Hey there, homeowners! If your mortgage is up for renewal this year, you’re not alone. With interest rates shifting and lenders tightening their policies, navigating your renewal can feel overwhelming. But don’t worry—Lisa Belanger is here to make things simple, fun, and most importantly, work in your favor!
Start Early, Stay Ahead
Procrastination is not your friend when it comes to mortgage renewals. Many lenders send renewal offers just a few weeks before your term ends—but guess what? That’s not always the best deal! Start shopping around 4–6 months in advance so you have time to negotiate and explore better options.
Don’t Just Sign That Renewal Offer!
Your current lender might send you a renewal letter with a new rate and term, hoping you’ll sign without thinking twice. But hold on! That rate may not be the best one available. This is your chance to let me help you shop around and see if another lender offers better terms. A little effort here could save you thousands!
Fixed or Variable—What’s Your Move?
Interest rates are shifting, and choosing between a fixed or variable rate is a big decision. A fixed rate offers stability, while a variable rate could save you money if rates go down. If you’re unsure, let’s chat about your financial goals and risk tolerance so we can find the best fit for you.
Consider Refinancing for Cash Flow
Your renewal is the perfect time to reassess your finances. Need extra cash for home renovations, investments, or to consolidate debt? Refinancing at renewal means you can access home equity without penalty. Let’s talk about how this could boost your financial well-being.
Work With a Mortgage Broker (Like Me!)
You don’t have to figure this all out alone. As a mortgage broker, I have access to multiple lenders and exclusive rates that banks won’t always offer directly. My job is to find you the best deal and make the process smooth and stress-free.
Let’s Chat!
Your mortgage renewal isn’t just a routine step—it’s an opportunity! Don’t leave money on the table. Reach out today, and let’s explore your options together. A quick call could save you thousands!
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