Mortgage Renewal

Your renewal is an opportunity. Don’t auto-renew. Optimize.

Know your options before committing to your next term.

What Is a Mortgage Renewal?

In Canada, your mortgage is set for a fixed term—typically 3 to 5 years—within a longer amortization period. When that term ends, you must renew your mortgage unless you choose to pay off the remaining balance in full.

Many lenders make renewal easy by offering a new rate and term to sign. However, easy doesn’t always mean optimal. Reviewing your options at renewal can help you secure more suitable rates and terms—not just accept the default offer.

Atlas Mortgage Group Renewal Reminder

We track your renewal timeline and review your options in advance, so you’re ready to act when competitive rates become available. By planning ahead, you avoid last-minute decisions and gain confidence in your next mortgage term.

Just share your renewal date—we’ll stay in touch and keep you informed.

You Should Set Up a Renewal Reminder If…

1) You currently have a mortgage

2) You to avoid paying unnecessary interest

3) You are concerned about rising monthly payments

4) You own rental properties and want to protect cash flow

Renewal Resources

When should I start my mortgage renewal?

You can start your renewal up to 120 days before your mortgage term ends. This gives you time to compare options, negotiate better rates, and lock in savings — without any penalty.

Is there a cost to review my mortgage renewal?

No. Our renewal review is 100% free and no-obligation. You’re never required to move forward unless the option truly benefits you.

Do I have to stay with my current lender?

Not at all. While staying with your lender is an option, switching lenders can often lead to better rates, improved terms, or added flexibility. We’ll compare all options so you can make an informed decision.

Can I renew early even if my term hasn’t ended yet?

Yes. Most lenders allow early renewal within the 120-day window. If interest rates drop or better products become available, we help you secure the best timing and terms.

What’s the difference between renewing and refinancing?

- Renewal means extending your mortgage term — often with the same balance.

- Refinancing allows you to access equity, consolidate debt, or change your mortgage structure.

- We’ll help you decide which option fits your financial goals best.

What happens after I submit my mortgage renewal reminder?

You’ll receive:
✔️ A personalized renewal strategy
✔️ Rate comparisons
✔️ Expert guidance — no pressure, no obligation

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