Want me to personally review your mortgage situation? Drop your info below and I'll call you within a few hours. No pressure, just expert guidance.
Don't just sign what your bank sends. Mortgagefy shops your renewal across 100+ lenders to find you the best rate — saving you thousands over your term.
Takes 30 seconds. No credit check required.
Your mortgage renewal is one of the most valuable financial opportunities you will face every few years — but most Canadians miss it entirely by simply signing the renewal offer their current bank mails to them. Mortgagefy shops your renewal across 100+ lenders to make sure you are getting the best rate and terms available, not just the easiest option.
When your mortgage term ends, your lender is not obligated to offer you their best rate. In fact, studies show that banks typically offer renewal rates 0.25% to 0.75% higher than what they would offer a new client. On a $500,000 mortgage over a 5-year term, that difference can cost you $15,000 or more.
Sometimes renewal is the right move. Sometimes refinancing — accessing equity, consolidating debt, or restructuring your amortization — delivers greater long-term value. Our team will run the numbers for your specific situation.
Reach out to us at least 90 to 120 days before your renewal date. This gives us time to shop the market, negotiate, and coordinate the paperwork without any gaps in your coverage.
78% of clients who renewed through Mortgagefy saved more than they would have by accepting their bank’s first offer.
Licensed professionals. Response within 2 hours.
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Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
My bank offered me 5.89% at renewal. Mortgagefy shopped around and got me 4.74% with a credit union — saving me over $8,000 over the term. Switching was painless.
I almost just signed my renewal letter without thinking. So glad I called Mortgagefy first. They saved me 0.65% on my rate and the entire switch was handled for me.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
