Whatever you do — don't auto-renew.
More than 70% of homeowners sign their renewal letter without negotiating. We'd rather see you save tens of thousands instead.
A renewal is a rare moment of leverage. Use it.
Your renewal window is the easiest time to materially improve your mortgage. New term, new rate, possibly a new lender — with zero impact on the home you already own.
We'll review your current mortgage, model out the next 5 years, and tell you exactly where to renew (or stay) and why.
- Better-than-posted renewal rates
- Switch incentives that cover legal fees
- Restructured amortization for cash flow
- Blend-and-extend strategies
- HELOC or refinance opportunities
- Pre-payment privileges that fit your life
A calm, guided path from start to keys.
Every client moves through the same considered framework — no surprises, just clarity.
- 01
Send Your Renewal
Share your current lender's offer (or your maturity date if you don't have one yet).
- 02
Free Review
We benchmark it against the full market and your goals.
- 03
Choose Your Path
Stay with your lender on better terms — or switch. We handle it.
- 04
Done Quietly
Most renewals close with zero stress and zero out-of-pocket cost.
Questions, answered.
When should I start my renewal?+
120 days before maturity. That window lets us hold a rate and shop the market without you risking a missed deadline.
Can I switch lenders at renewal?+
Yes — and many lenders will cover your legal and appraisal costs to win your business.
What if my financial situation has changed?+
We'll structure your renewal around it. Lower income, new business, recent divorce — there's almost always a path.
Do I have to re-qualify if I stay with my lender?+
Usually no. But if you're switching lenders, you'll re-qualify under current rules — which we'll prepare you for in advance.
Let's find your best mortgage.
Speak with an Elevated advisor and get tailored options within 24 hours.