Time flies when you're busy and a hectic lifestyle doesn't leave a whole lot of time for pondering mortgage payments.  So when homeowners receive their mortgage renewal notices in the mail, many are surprised that it's come up so quickly, and will often automatically renew with the same lender because it's the fastest, easiest thing to do, especially if they assume the lender will give them the best rate possible.

Be aware that the rate and terms included in your mortgage renewal may not necessarily be the best available.  In fact, many lenders will simply offer you the current posted rate for your renewal.  We strongly suggest that you take a few minutes to have a good look at your new paperwork.  Your financial situation and other factors in your life may have changed since you initially signed up for your mortgage, while the mortgage market itself may have developed products that may for your current situation better.

My job as a mortgage broker is to make sure my clients get the best possible deal and most appropriate features in your mortgage loan, by presenting you with a selection of options that fir your individual scenario.  Contact me up to four months before your mortgage matures, so that I can review what you currently have versus what is available in today's market.

Remember, I work for you, not one individual lender, and I do have the time to sort through all the options in today's market to make sure you continue to receive the best financing to fit your situation.