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Statistics show that far too any Canadians simply sign and send their renewal papers back without questioning the rate or reviewing their options. A mortgage renewal is the perfect time to:

  • Review any outside debts you may have that may be worth consolidating at a better rate

  • Optimize your mortgage by making changes to your amortization schedule and payment frequency
  • Consider if there is a need to potentially use home equity for investments, a cottage or rental property

  • Review your long-term financial goals to evaluate if your home equity can help you reach those goals

The bottom line is that at renewal time your mortgage is fully open to take some time to consider any options that you may have been considering. It’s the perfect time to take some time to ensure you are making the best long-term choices with your mortgage as well as getting the best deal before signing on the dotted line.

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