Millions of Canadian mortgages renew between 2025 and 2027 — and the rate going on the new term is double what came off. The playbook is a 12-page PDF guide plus a spreadsheet that walks you through every step of the renewal conversation, so you don't sign your bank's first offer.
Get the 6-month renewal timeline + 5-point pre-signing checklist as a PDF — instant download. No spam, just the cheatsheet.
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A 12-page PDF guide and a 6-tab spreadsheet. The PDF explains the strategy. The spreadsheet does the math.
Renewal Calendar
180/150/120/90/60-day timeline auto-calculated from your term-end date.
Rate Shop
Side-by-side compare quotes from your bank + 3 brokers.
Stay vs Switch
Includes legal, discharge, and appraisal fees in the math.
Penalty Estimator
IRD vs 3-month interest — see what breaking early would cost.
Negotiation Script
Word-for-word phrases to ask for a better rate.
Term-End Checklist
Every document, every signature, in order.
Your 1.9% pandemic rate is becoming 5.2%. Most of you have never renewed before. The playbook walks you through the conversation step-by-step so you don't get pushed onto your bank's first offer.
You suspect another lender will give you a better deal. The Stay vs Switch sheet does the math: lower rate vs $500–$1,500 in switching costs, including penalty if you're breaking mid-term.
If your renewal letter is in your inbox or about to land — start 6 months early. The playbook tells you what to do every month of those 180 days.
IRD penalty math (the big one)
Interest Rate Differential can cost $10K+ if you break a 5-year fixed early. The sheet estimates yours so you know whether to wait.
Collateral vs standard charge
TD and Tangerine register all mortgages as collateral charges, which makes switching harder and more expensive. The playbook explains why this matters at renewal.
The 120-day rate hold
Most Canadian lenders hold a quoted rate for up to 120 days. The calendar lines this up with your term-end so you can lock low and float down.
2027 update — free
Buyers get the refreshed playbook each January when the renewal landscape shifts. Forever.
Early-supporter pricing for everyone on the waitlist.
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Launch emails are paused while the site is prepared for AdSense review.
This product is for educational and planning purposes only and is not financial advice. For binding decisions about breaking, switching, or signing a mortgage, work with a licensed mortgage broker or your bank.