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Mortgage Renewal Comparison

See if you should accept your current lender's renewal offer or switch to a competitor.

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Discharge, appraisal, legal — often covered by new lender

Switch lenders to save

$11,228

Net savings over a 5-year term (after switch costs).

Current lender payment$2,682
Switch lender payment$2,475
Monthly savings if you switch$207
Interest saved over 5 yrs$17,935
Switching costs− $1,200
Net term savings$11,228

A lower rate from your existing lender is also negotiable at renewal — they'd rather match the competition than lose you. Use the switch quote as leverage before signing the renewal.

The information presented on HousingPortal.ca is intended for general illustrative purposes only. While the information is believed to be reliable, it cannot be guaranteed for accuracy, completeness, or currency. Neither HousingPortal.ca and its employees, nor any other party identified in this guide/report, assumes any liability for the information provided. The views and opinions expressed by the analysts at HousingPortal.ca are their own and should not be considered as investment advice. It is recommended that you seek the advice of a licensed real estate professional before making any decisions regarding real estate investments.