Mortgage Renewal

Your mortgage renewal is one of the easiest opportunities to improve your financial picture — but only if you review it before signing

If your mortgage is coming up for renewal in Alberta, it’s important to know that you are not limited to your current lender’s offer. Many homeowners automatically renew without reviewing their options — often missing out on better terms, flexibility, or long-term savings.

A mortgage renewal review gives you the opportunity to understand your current mortgage, compare alternatives, and ensure your next term aligns with your financial goals.

When Should You Review Your Mortgage Renewal?

Ideally, your mortgage renewal should be reviewed 6 to 12 months before your renewal date. This allows time to explore options, understand potential penalties, and secure a rate hold if appropriate.

Even if your renewal date is closer, reviewing your mortgage can still help identify better terms, improved flexibility, or opportunities to restructure your mortgage.

Why You Shouldn’t Automatically Renew

Auto-renewing may feel convenient, but it can limit your options. Lenders often offer renewal terms that prioritize convenience over value.

By reviewing your renewal, you can:
• Compare rates and terms from multiple lenders
• Adjust your amortization or payment structure
• Improve mortgage flexibility for future plans
• Consolidate debt or access equity if needed

A review helps ensure your mortgage still works for you — not just your lender.

What a Mortgage Renewal Review Includes

A renewal review looks at more than just the rate. It includes:

• Your current mortgage terms and penalties
• Your long-term financial goals
• Available lender options in Alberta
• Opportunities to improve cash flow or flexibility

The goal is clarity — understanding what you have, what’s available, and what makes sense moving forward.

Working With an Alberta Mortgage Broker?

As a Calgary-based mortgage broker, I work with Alberta homeowners to provide clear, straightforward renewal advice. Instead of relying on one lender’s offer, I review options across multiple lenders to help you make an informed decision.

There is typically no cost to you for a renewal review, and the process is designed to be simple, transparent, and pressure-free.

If you work in healthcare and your income includes shift work, overtime, or multiple employers, reviewing your renewal with someone who understands how lenders assess healthcare income can be especially helpful. You can learn more about my approach on the Mortgages for Healthcare Professionals page.

Ready to Review Your Mortgage Renewal?

If your mortgage is renewing soon — or if you simply want to understand your options — a renewal review can provide clarity and confidence before you make a decision.

You don’t need to commit to anything. The first step is simply reviewing your situation and understanding what’s available.

About Me

A calm, straightforward approach to mortgage guidance

I work with homeowners and buyers to provide clear, thoughtful mortgage guidance at every stage — from early planning conversations to renewal, refinancing, or purchasing a home. My approach is focused on clarity, transparency, and helping you understand how different mortgage options may affect you over time. Whether you’re actively planning or simply exploring possibilities, my role is to support you with straightforward information and steady guidance. What Working Together Looks Like You can expect a process that is: • Calm and well-explained • Focused on your goals and comfort level • Flexible to your timing and priorities • Free from pressure or rushed decisions Every situation is different, and conversations are always tailored to where you’re at — not where you’re expected to be. Next Steps: If you’d like to talk through your options or ask a few questions, you’re welcome to reach out when it makes sense for you. There’s no obligation — just a conversation to help you decide what comes next.

Why Work With a Mortgage Broker

Choosing a mortgage is a long-term decision, and having clear, unbiased guidance can make the process feel far more manageable. As a mortgage broker, my role is to help you understand your options, explain how different choices may affect you over time, and support you in making a decision that fits your situation — without pressure or rushed timelines.
What You Can Expect

• Clear explanations without industry jargon • Thoughtful guidance based on your goals and comfort level • Access to multiple lenders and mortgage options • A process that prioritizes clarity and communication The focus is always on helping you make an informed decision, whether that’s now or further down the road.
A Calm, Supportive Approach

Mortgage decisions don’t need to feel overwhelming. My approach is designed to be steady, transparent, and supportive — so you feel confident in the direction you choose. There’s no obligation to proceed, and no pressure to move forward until you’re ready.

A Thoughtful, Client-First Approach to Mortgages

Before becoming a mortgage broker, I spent years working in healthcare — an environment where accuracy, trust, and clear communication truly matter. That experience shaped how I approach mortgages today.

I understand that many clients don’t fit into a neat, one-size-fits-all box. Whether you’re balancing shift work, variable income, self-employment, or simply want to understand your options before making a decision, my role is to help you slow the process down, ask the right questions, and move forward with confidence.

I work closely with Calgary and Alberta clients who value clarity, transparency, and a long-term plan — not just a quick transaction.

Ready to Review Your Mortgage Options?

Whether you’re buying, renewing, or refinancing, the first step is simply understanding your options. This short application allows me to review your situation before we connect, so our conversation is focused, efficient, and tailored to your goals. There’s no obligation and no pressure — it’s simply a starting point.

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Whether you're looking for a first mortgage, refinancing your current home, or just researching your options, I'm here to help.