Free mortgage
renewal reminder —
set it in 60 seconds.
We reach out about 120 days before your maturity date, when many lenders will hold a rate, and shop 100+ lenders so you never auto-renew blind.
Four reasons to never
auto-renew blind.
Renewal is the one moment your lender has to compete for your business. Make them earn it.
We remind you 120 days early
Many lenders will hold a renewal or switch rate that far ahead. You lock in your options early — protected if rates rise, and still free to shop if they fall.
We shop the whole market
We compare your bank's renewal offer against 100+ lenders — not just one. Even a small rate difference on a large balance adds up to thousands over your term.
Switch without requalifying
A straight transfer at renewal with the same balance and amortization doesn't require the stress test. We guide you through the cleanest path for your file.
Completely free, no spam
The reminder costs nothing and comes with zero obligation. We only reach out when it's time, with your best rates across 100+ lenders. Ignore us if the timing doesn't work.
How your renewal
reminder works.
60 seconds to set up.
We handle everything else.
Tell us your maturity date
Enter the date your current term ends. You'll find it on your annual mortgage statement or your lender's online banking — takes about 60 seconds.
We reach out 120 days before
That's when many lenders will start holding a rate for a switch. We send your best rates across 100+ lenders so you can compare before signing anything.
We compare, you decide
We compare your lender's renewal offer against the market and explain the trade-offs. Whether you renew, switch or refinance is entirely your call.
Set your free renewal reminder
We’ll alert you about 120 days before maturity, when many lenders will hold a rate, and shop the market for you.
We can help across
many renewal situations.
Tap any situation below to see how we approach it.
If you’re…You haven't received your renewal letter yet
You haven't received your renewal letter yet
That's the perfect time to act. Set your reminder now and we'll reach out about 120 days before maturity with your best rates across 100+ lenders — well before your bank's letter arrives.
Set my reminderIf you’re…Your bank just sent your renewal offer
Your bank just sent your renewal offer
Don't sign it yet. Broker-channel rates can often beat a bank's first renewal offer. We can compare quickly — usually within 24 hours — so you know what you're worth in the open market.
Compare my rateIf you’re…You want to switch to a new lender at renewal
You want to switch to a new lender at renewal
A straight switch at maturity usually has no prepayment penalty and, since November 2024, doesn't require you to requalify under the stress test. New lenders often cover legal costs too.
Explore switchingIf you’re…You need extra cash or want to change your amortization
You need extra cash or want to change your amortization
That's a refinance rather than a renewal. Doing it at maturity avoids a mid-term prepayment penalty. We model both paths and show you the net numbers before you commit.
Explore refinancingIf you’re…You have bruised credit or a non-traditional income
You have bruised credit or a non-traditional income
B-tier and private lenders are in our network too. We'll find the best renewal path for your credit profile and explain every option — including a plan to move back to an A-lender.
Explore my optionsIf you’re…You're unsure whether to take fixed or variable
You're unsure whether to take fixed or variable
We compare current fixed and variable rates side by side and explain the trade-offs for your timeline, risk tolerance, and financial goals — no jargon, no pressure.
Compare rates nowWhat shopping early
can actually save you.
No penalty at maturity — you're ahead from day one. Here's what the rate difference looks like over a 5-year term.
- Bank's renewal offer5.59% fixed
- Mortgage balance$450,000
- Monthly payment~$2,860
- 5-year term interest~$117,200
- Time spent shopping0 minutes
- Monthly payment~$2,860
- Best rate found4.74% fixed
- Mortgage balance$450,000
- Monthly payment~$2,650
- 5-year term interest~$98,200
- Prepayment penalty$0 at maturity
- Monthly payment~$2,650
Illustrative only — your rate and savings will differ based on your balance, term, and lender. Try the renewal calculator.
Common questions,
clear answers.
Timing, stress test, switching, and what happens when we call.
When should I start shopping my mortgage renewal?
About 120 days before your maturity date, because many lenders will hold a renewal or switch rate that far ahead. That's lender practice, not a federal rule: federally regulated lenders only have to send your renewal statement at least 21 days before the term ends. Starting at 120 days lets you lock a rate while you shop, protected if rates rise, and that's when we'll remind you.
Why not just sign my bank's renewal letter?
Because the first offer is rarely the best. Broker-channel rates often beat a bank's first renewal offer, and on a large balance even a small rate difference adds up over the term. A switch/transfer usually has no penalty.
Is the reminder really free?
Yes — no obligation. We only contact you about your renewal, around the optimal time, with the best available rates. Ignore us if you don't need us.
Will I need to re-qualify or pass the stress test?
No, not for a straight transfer. Moving to a new lender at renewal with the same balance and amortization doesn't require the stress test, and there's no prepayment penalty at maturity. Borrowing more or extending the amortization brings the stress test back. We'll tell you the cleanest path for your file when we reach out.
We’ll try to beat your rate.
If we can’t, we pay you $500.¹
¹ Rate Beat: eligible Big-6 bank written offers only · same product, term & amount · $500 paid to you or your nominated charity at closing · conditions apply