Your bank'srenewal offer isnot your bestoffer.
Many homeowners sign the letter their bank mails them. Before you do, let Chad shop your mortgage across many lenders, free, and show you exactly what you could keep.
No cost · No obligation · Takes about 2 minutes
Example: 4.79% vs. a lower rate, 22 years left on the mortgage.
Owning a home is great. The mortgage part, less so.
These are the conversations Chad has with homeowners every week. Tap the one that sounds like you to see what he'd do about it.
One broker. Every option on the table.
Your bank can offer its own products. Chad can compare many lenders and programs, then recommend the one that fits your home, your budget and your plans.
Renew or switch, on your terms
Your renewal is the one moment you can move your mortgage without a penalty. Chad compares your bank's offer with what other lenders will give you, then you decide: stay or switch.
- Your bank's renewal offer against rates from many other lenders.
- Fixed or variable, and the term length that suits your plans.
- Prepayment privileges, so you can pay it off faster.
- Whether a small change now could take years off your mortgage.
Most lenders can hold a rate for up to 120 days. Starting early gives you leverage.
Payment relief when renewal hurts
If your payment jumped at renewal, you have more options than "pay it." Chad looks at your rate, term, rate type and amortization to bring your monthly payment back to something you can live with.
- Shop the rate across many lenders, not just your bank.
- Pick a term and rate type that match where rates may be heading.
- Restructure the amortization where it qualifies, to lower the payment.
- Roll high-interest debt into the mortgage to free up cash flow.
- A longer amortization lowers your payment but adds interest over time.
- Chad will show you both numbers, and a plan to shorten it again when you can.
Consolidate high-interest debt
Credit cards and loans at 10–20%+ can quietly eat your budget. A refinance can roll them into one mortgage payment at a much lower rate, using up to 80% of your home's value.
- Refinancing mid-term can mean a penalty. Chad will price it and tell you if it's worth it.
- Spreading debt over a mortgage can cost more interest over time. A payoff plan keeps that in check.
Renovate with the equity you've built
Moving costs a fortune in commissions, taxes and stress. Using your equity to add the suite, finish the basement or redo the kitchen can make the home you love fit the life you have.
- Refinance up to 80% of your home's value at a mortgage rate.
- Home equity line of credit to draw funds as the project needs them.
- Energy upgrades may qualify for a 25% refund on your mortgage insurance premium.
(80% max)$240,000
CHIP Reverse Mortgage for 55+
Stay in the home you love and turn part of its value into tax-free cash, with no monthly mortgage payments. Pay down debt, travel, renovate, or simply breathe easier.
- Must be your primary residence, with a minimum home value of $150,000.
- Funds paid as a lump sum or in instalments.
- Nothing is due while you live in the home.
Actual amount depends on age, location and property.
A second chance after a setback
Divorce, job loss, illness, a business that didn't work out. Life happens, and a "no" from your bank isn't the final word. Some lenders still offer financing depending on your circumstances.
"Chad came through for us where two other brokers failed. After a credit setback, we got a no-fee mortgage at an excellent rate. He's our hero."
*Straight switches at renewal (same balance and amortization) no longer require the stress test, as of November 2024. Lender approval still required.
Who's actually on your side?
Your bank works for the bank. A broker is licensed to work with many lenders, which means Chad represents you.
"He is very knowledgeable and was always quick to respond to our questions. He took complete charge of things. I'd recommend him in a heartbeat."
"Chad came through for us where two other brokers failed."
"Thanks Chad! You are the best. So appreciative of all your hard work."
"A mortgage can be a powerful financial tool if managed correctly."
Chad has spent 20 years as a mortgage broker, focused on residential mortgages. He believes simple changes made once a year can take a 25-year mortgage down to about 16, and he builds that plan with every client.
Three steps. No pressure.
You stay in control the whole way. If your current deal is already the best one, Chad will tell you so.
Share a few details
Two minutes, below. Add your current mortgage if you have it handy.
Chad shops it
He compares lenders and programs, prices any penalty, and lays out your options in plain numbers.
You decide
Switch, refinance or stay put. If you move ahead, Chad handles the paperwork to funding.
Straight answers.
Can I switch lenders at renewal?
When should I start looking at my renewal?
Is it worth breaking my mortgage early?
How much equity can I access?
What does it cost to work with Chad?
Will a review affect my credit?
Before you sign, let's look.
Share a few details and Chad will compare your current mortgage with what's available across many lenders. If you're already in the best deal, he'll tell you.
- Free, with no obligation
- Plain-numbers comparison of your options
- A plan to be mortgage-free sooner
Thanks. You're on Chad's list.
He'll be in touch shortly, usually within one business day. Want to move faster?