Free checklist
Mortgage Renewal Checklist
Start 120 days before your maturity date.
By Saminder (Sami) Juneja, Mortgage Broker · Published · Updated
Before the renewal letter
- Note your maturity date and current rate
- Check your current balance and prepayment privileges
- Pull your credit report
- Decide if you need to borrow more or change amortization
Comparing offers
- Compare your lender's offer with at least one broker quote
- Compare term length, prepayment and portability
- Ask about switch costs (legal, appraisal, discharge)
- Get any offer in writing before signing
Cite this resource
Preferred title and URL for journalists and organizations:
Saminder (Sami) Juneja. “Mortgage Renewal Checklist.” The Juneja Group, updated 2026-09-29. https://thejunejagroup.ca/resources/checklists/mortgage-renewal
Educational information only — not financial, legal or tax advice, and not an offer or approval. Rates and lender policies change; all financing is subject to lender approval.