Discounted interest rate

  • Affordably spaced monthly payments
  • A modified payment plan
Renew Your Mortgage to Get the Best Rates

How can our mortgage brokers assist you?

Our mortgage brokers have connections to a wide variety of lenders, which enables them to assist you in evaluating your many options and selecting the one that is most suitable for you. You not only renew your mortgages for best rates; but also, should take this opportunity to renegotiate the terms of the loan. We are able to assist you in comparing several aspects including:

  • Interest rates
  • Lender fees
  • Annual percentage rates (APRs).
  • Monthly payments
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How do you renew your mortgages for best rates?

On the calendar, write down the date that your existing mortgage term ends. Then, make a note of 120 days before the end of your term. On this day, you can typically start to renew your mortgage for the best rates early. There is no prepayment penalty if you need to end your term early. In case you aren't quite ready to sit down with your lender or mortgage broker, you can always do some preliminary research online. Knowing which lenders provide which mortgage rates, prepayment choices, and other stipulations can give you negotiating leverage when it comes time to renew.

Four things to consider

  • Think about your financial objectives

    There are a lot of things that could happen throughout the period of the remaining time on your mortgage. It's likely that you won't be able to meet your monetary objectives after the start of this financial year. Perhaps you have received a pay raise, have lost your work, or have retired, all of which can have a significant impact on your income and your plans to renew your mortgage for best rates.

  • Be prepared to renew in the final 30 days.

    In the event that the term of your mortgage is getting close to its end, your lender is required to provide you with a renewal notice at least 21 days in advance. In response to this, approximately thirty days before the term of your contract expires, they will send you an offer to extend your agreement at the lowest rate that is currently being offered.

  • Get serious and choose something.

    Now is the time to make a choice after carefully weighing all of your available alternatives, as well as your long-term financial objectives, the requirements of your mortgage, and the offer to renew your mortgage for best rates from your existing lender.

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Why you should choose Brevity mortgages


  • We provide the most reliable mortgage solutions for your dream house
  • We provide curated solutions specific to your mortgage needs based on your qualification
  • Rapid mortgage approvals and fast closings
  • You can save time and Money
  • Best lender discounts and promotional offers for best interest rates
  • Access to experienced and professional Mortgage Agents
  • Brokers in the industry
  • Credit Score privacy

Brokers or and Agents

  • Dedicated team to help you with your clients
  • Veterans who share their industry experience and help you with each step
  • One on One Support and Training
  • Mentors that specialize in residential, commercial and business mortgages
  • Campaigns proven to work for potential leads
  • Online presence with digital marketing techniques
  • VIP access to top-tier compensation and lenders
  • A dedicated professional office space for client meetings and brainstorming sessions


Frequently Asked Questions

Along with your other financial goals, you should make a list of what you’re looking for in a mortgage product. To start, ask yourself a few questions:

  • Does your monthly budget have room for you to increase your mortgage payment amount? (If so, review the monthly prepayment options in the terms and conditions.)
  • Do you think you will receive any bonuses or inheritances that you could put towards your mortgage? (If so, you’ll also want to look at the lump sum prepayment options.)
  • Do you think you will have the option to pay off your mortgage entirely, in this next term? (If that being the case, consider the prepayment penalties that go with fixed vs. variable rate mortgages.)
  • Do you think you will want to borrow more money from your lender during this next term? (If that is the case, you will again want to consider the prepayment penalties involved in a refinance, or look at collateral mortgages instead.)
  • Is there any chance you will be selling your home and/or moving in the next 5 years? (In that case you may need a mortgage that is portable or assumable.)

"You may as well hand your wallet over to the granter," says a buyer. If you identify that your current lender has the best mortgage features, advice and policies, ask your bank to match a competitor's lower rate.

"If you don't come right out and ask for a better rate, you won't get one," says a real estate lawyer in Toronto. He also claims that banks might be more desirous of lowering your rates if you transfer over other accounts or investments, such as an RRSP. Don't just fixate on the interest rate. The amortization period, the rate type (fixed or variable) and the flexibility of the payment schedule can be crucial to lowering your costs.

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Refinancing Your
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Credit Mortgage
Renew Your
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