Switch Your Mortgage. Start Saving Today.
Switch Your Mortgage. Start Saving Today.
If you’re stuck with a high mortgage rate, you don’t have to wait until renewal. Switching now could cut years off your mortgage and save you thousands in interest.
If you’re stuck with a high mortgage rate, you don’t have to wait until renewal. Switching now could cut years off your mortgage and save you thousands in interest.
Secure, private, and no impact on your credit score.
Secure, private, and no impact on your credit score.
Finally — advice that makes sense.
Helping Ontario families buy homes with confidence.
Finally — advice that makes sense.
Finally — advice that makes sense.
Helping Ontario families buy homes with confidence.
Move Your Mortgage. Maximize Your Savings.
Switching your mortgage means taking your current mortgage from one lender to another to get a better rate, lower payments, or improved terms. You’re not increasing your balance — you’re simply moving your mortgage to a new lender.
Keep your balance the same
Keep your balance the same
Keep your balance the same
Pay less interest over time
Access Equity
Pay less interest over time
Access better rates and terms
Access better rates and terms
Access better rates and terms
Penalty-free switch
Penalty-free switch
Penalty-free switch
When Does Switching Make Sense?
Rate is Too High
New lenders may offer significantly lower rates.
Rate is Too High
New lenders may offer significantly lower rates.
Rate is Too High
New lenders may offer significantly lower rates.
Market Rates Dropped
Take advantage before rates go back up.
Market Rates Dropped
Take advantage before rates go back up.
Market Rates Dropped
Take advantage before rates go back up.
Early Renewal Options
Many lenders let you switch up to 120 days early, penalty-free.
Early Renewal Options
Many lenders let you switch up to 120 days early, penalty-free.
Early Renewal Options
Many lenders let you switch up to 120 days early, penalty-free.
Not Happy With Your Lender
Service matters. Don’t settle.
Not Happy With Your Lender
Service matters. Don’t settle.
Not Happy With Your Lender
Service matters. Don’t settle.
Simple, Seamless, and Stress-Free
Review
We look at your current mortgage, rate, and penalties.
Review
We look at your current mortgage, rate, and penalties.
Review
We look at your current mortgage, rate, and penalties.
We Shop for You
Access 40+ lenders and the best terms.
We Shop for You
Access 40+ lenders and the best terms.
We Shop for You
Access 40+ lenders and the best terms.
Transfer
We handle all the paperwork with your new lender.
Transfer
We handle all the paperwork with your new lender.
Transfer
We handle all the paperwork with your new lender.
Save
You enjoy lower payments and better terms.
Save
You enjoy lower payments and better terms.
Save
You enjoy lower payments and better terms.
Why Switch With a Broker?
Banks Don’t Want You to Know This
When you switch with your bank, you only see their rates. With a mortgage broker:
Independent Advice
We’re on your side, not the bank’s.
Independent Advice
We’re on your side, not the bank’s.
Independent Advice
We’re on your side, not the bank’s.
No Cost to You
In most cases, switching is completely free.
No Cost to You
In most cases, switching is completely free.
No Cost to You
In most cases, switching is completely free.
Access to More Options
We shop the entire market for you.
Access to More Options
We shop the entire market for you.
Access to More Options
We shop the entire market for you.
Better Rates
Our lenders compete for your business.
Better Rates
Our lenders compete for your business.
Better Rates
Our lenders compete for your business.
More Lenders. Better Rates. Faster Approvals.
We partner with a wide network of banks, credit unions, and alternative lenders to give you more options — and more negotiating power.
Switch vs. Renew vs. Refinance
Not sure which path is right for you? Compare the options below.
| Option | Switch | Renew | Refinance |
|---|---|---|---|
| What it means | Move your existing mortgage to a new lender with the same balance. | Stay with your current lender when your term ends. | Replace your mortgage with a new (often larger) one. |
| Best for | Lower rate or better terms without borrowing more. | Maximum convenience at term end; quick and simple. | Accessing equity, consolidating debt, changing amortization. |
| Pros |
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| Cons |
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Switch vs. Renew vs. Refinance
Not sure which path is right for you? Compare the options below.
| Option | Switch | Renew | Refinance |
|---|---|---|---|
| What it means | Move your existing mortgage to a new lender with the same balance. | Stay with your current lender when your term ends. | Replace your mortgage with a new (often larger) one. |
| Best for | Lower rate or better terms without borrowing more. | Maximum convenience at term end; quick and simple. | Accessing equity, consolidating debt, changing amortization. |
| Pros |
|
|
|
| Cons |
|
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Built Around You
Your Advocate in the Mortgage Process
Your Advocate in the Mortgage Process
As a licensed mortgage broker, I work for you, not the bank. That means unbiased advice, transparent options, and negotiating power to get you the best deal possible.
Everything You Need to Know
Does switching my mortgage cost money?
Can I switch before my renewal date?
What’s the difference between switching and refinancing?
How long does a switch take?
Do I need to re-qualify when switching lenders?
Will switching affect my credit score?
Does switching my mortgage cost money?
Can I switch before my renewal date?
What’s the difference between switching and refinancing?
How long does a switch take?
Do I need to re-qualify when switching lenders?
Will switching affect my credit score?
Does switching my mortgage cost money?
Can I switch before my renewal date?
What’s the difference between switching and refinancing?
How long does a switch take?
Do I need to re-qualify when switching lenders?
Will switching affect my credit score?
Don’t Wait to Start Saving
If your rate is too high, switching could save you thousands. Let’s find out if it makes sense for you.
Mortgage Tips & Insights
Helping homebuyers and homeowners make confident mortgage choices.
