Mortgage Renewal
Before signing your renewal letter with the bank, let’s talk about it.
As your term approaches its maturity date, your institution sends you a renewal offer. It’s simple, it’s quick... but it’s rarely its best rate. Taking a few minutes to compare can save you thousands of dollars on your next term.
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Why compare before renewing?
Your bank is counting on you signing without negotiating. Yet your renewal is the perfect time to review your mortgage: your situation has evolved, and so have rates. Good news: switching lenders at renewal is penalty-free, and I take care of the entire transfer for you.
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What I do for you
1. I analyze your bank's offer
We compare it to what the market actually offers — with more than 20 financial institutions.
2. I negotiate for you
Better rate, more flexible terms, duration suited to your projects: I leverage the competition.
3. You choose with full knowledge
If your bank already offers the best option, I’ll tell you frankly. Otherwise, I take care of the transfer, with no hassle for you.
Is your renewal date approaching?
Ideally, you should start 4 to 6 months before the end of your term — that's when we can lock in a rate and give ourselves time to do things right. A short conversation is enough to know if your renewal offer is truly advantageous.
Mélanie LarinMortgage broker
Multi-Prêts Hypothèques
468, chemin de la Grande-Côte, Saint-Eustache (Québec) J7P 1J4
Autorité des Marchés Financiers (AMF) member # 253199