Mortgage Renewal?
We Compare Rates from 80+ Lenders.
Mortgage Department: Sami Juneja, Mortgage Broker | Get A Better Mortgage Inc. | 289-536-0066
In this guide
Never sign the bank's renewal letter blind — we shop 80+ lenders and handle the switch paperwork for you.
Mortgage Renewals & Refinancing: your roadmap, guides, calculators and FAQs
See exactly what you need to do at each stage, what we handle, and every resource that supports it — with a checklist you can tick off as you go.
Get Your Free Renewal Rate Comparison
Tell us about your mortgage and we'll compare rates from 80+ lenders — completely free, no obligation.
Need Immediate Help?
Speak with a licensed mortgage broker right now — no wait times.
Mortgage services provided by Saminder Juneja, Mortgage Broker — Mortgage Centre Canada (independently owned and operated), Get A Better Mortgage Inc. (FSRA #10874).
Quick Renewal Quote
No credit check • Takes 60 seconds
Lenders We Work With
Access competitive renewal rates from 80+ lenders including major banks, credit unions, and alternative lenders.
Why Renew Through a Broker?
Save Thousands
Even 0.25% lower can save $5,000+ over your term.
Unbiased Advice
We work for you, not the bank. We compare 80+ lenders.
Seamless Switch
We handle the paperwork to make your switch easy.
Start 120 Days Early
Lock in today's rate up to 120 days before your renewal.
Access to Equity
Refinance at renewal to consolidate debt or invest.
5.0★ Google Rating
Trusted by 500+ Ontario families for renewals & refinances.
Everything You Need to Know About Renewing
Get the facts on renewals, refinancing, equity, timing, and the switch process — in five quick sections.
Renew vs. Refinance
A renewal keeps your balance and resets the rate/term (no stress test if staying with your existing lender). A refinance changes your terms — often to access equity — and requires requalifying under the current stress test.
Mortgage Renewal FAQs
Straight answers to the most common renewal questions we hear from Ontario homeowners.
Ready to Renew? Start Your Application Today.
Mortgage services provided by Saminder Juneja, Mortgage Broker — Mortgage Centre Canada (independently owned and operated), Get A Better Mortgage Inc. (FSRA #10874).
What Our Renewal Clients Say
Real Google reviews from rate, refinance, and renewal clients.
"Our Big 5 bank offered us a fixed 5-year at 5.49% on renewal. Sami took time to understand our goals and helped us negotiate down to prime-0.7% (3.75%) — 0.7% better than the bank's first variable offer. Even though his advice meant no immediate business for him, he put our interests first. It would not have been possible without Sami's advice and market knowledge."
"Sami is an exceptional mortgage broker who truly puts his clients first. His advice is always honest, transparent, and tailored to your specific situation. You never feel like you're being pushed into something that doesn't make sense. He works tirelessly to secure the best possible outcome."
"Sami has helped us with a few mortgages and it has been a very seamless process. He was very knowledgeable, approachable and answered all questions quickly. Thank you Sami!"
"I have known Sami for a couple of years and have done multiple deals with him. He is knowledgeable, professional, courteous, and always very helpful."
"Recently worked with Sami, and I couldn't be more pleased with the experience. From start to finish, the process was smooth and efficient."
"I have worked with Sami on numerous occasions and have always been impressed by his professionalism and customer-focused approach."
Talk to Us Now — Your Way
Have questions? Get answers instantly via our AI-powered mortgage assistant or speak directly with a licensed broker.
Chat with TJ
Our AI mortgage assistant is available 24/7. Get instant answers and start your pre-qualification.
Call Us Directly
Speak with Sami Juneja, licensed mortgage broker. No phone trees — real help, right away.
289-536-0066Renewal Tools & Calculators
Run the numbers before you renew.
Renewal Insights & Guides
Stay informed with our latest renewal-focused content.
Mortgage Renewal 2026: Time to Act Smart!
Use code 300300 for $300 appraisal + $300 legal credit.
Read MoreRising Rates: What You Should Do Right Now
Rate forecasts from Scotiabank, National Bank, and RBC.
Read MoreThe $400B Mortgage Renewal Wave
How to prepare and protect your finances in 2026.
Read MoreBond Yields Are Surging — What It Means for Your Mortgage
5-year GoC yields jumped 60+ bps — see how bank fixed rates responded before you lock your renewal.
Read MoreWhat Our Clients Say
"I had the pleasure of working with Sami. Nothing bad to say. Very helpful and I highly recommend him and his team."
Matej Fabjan
"I am a first time homebuyer and Sami is the best broker. He is very professional, punctual as well as very reassuring. As a first time homebuyer, you become very anxious at times but he makes things very easy and calming. I highly recommend him."
Damien
Your Renewal Date Is Coming — Let's Compare Your Options
Book a free 15-minute call to compare rates from 80+ lenders. No obligation, no pressure.
Mortgage Department: Sami Juneja, Mortgage Broker | Get A Better Mortgage Inc. | 289-536-0066
Mortgage services provided by Saminder Juneja, Mortgage Broker — Mortgage Centre Canada (independently owned and operated), Get A Better Mortgage Inc. (FSRA #10874). The Juneja Group is NOT a licensed mortgage brokerage. All mortgage products and services are offered through the above licensed entity.
Watch the tutorial
A 25-second walkthrough — tap play to see the scenario, the right calculator to use, and why borrowers choose this solution.
Mortgage Renewals by City
Renewal letter in hand? We shop your renewal against 80+ lenders across the Halton, Peel, Hamilton and Waterloo markets. Open your city for local comparisons.
- Mortgage Renewal Burlington
- Mortgage Renewal Oakville
- Mortgage Renewal Milton
- Mortgage Renewal Georgetown
- Mortgage Renewal Mississauga
- Mortgage Renewal Woodstock
- Mortgage Renewal Guelph
- Mortgage Renewal Kitchener
- Mortgage Renewal Cambridge
- Mortgage Renewal Waterloo
- Mortgage Renewal Halton Hills
- Mortgage Renewal Halton
- Mortgage Renewal Puslinch
- Mortgage Renewal Erin
- Mortgage Renewal Ancaster
- Mortgage Renewal Stoney Creek
Not on the list? See every Ontario city we serve.
Ready for tailored next steps?
Send a short PIPEDA-compliant request and our team will follow up with options matched to your situation.
Hi! I'm TJ
Your Mortgage Assistant