Your current lender is counting on you renewing without shopping around. Before you sign anything, I'll compare your renewal across 76+ lenders — most people find a better deal in one phone call.
Share a few details and I'll follow up within one business day with a real comparison — not just what your current lender is offering.
However you'd rather connect — a quick call, a video chat, email, or meeting in person at the brokerage office — just let me know below and I'll follow up that way.
🔒 No cost, no obligation — your information stays private.
Serving Ontario & Alberta
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Access to 76+ Lenders
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ManulifeYour bank is betting you'll just sign. Here's why that's usually the wrong move.
Your current lender's renewal letter is written to keep you comfortable, not to give you their best rate. I'll compare it against 76+ lenders before you sign anything.
Many lenders cover your legal and appraisal fees to win your business at renewal — there's often no cost to find out if you can do better.
Lenders typically send renewal offers 4-6 months before your term ends, but I can start comparing rates 6+ months out so you have the most room to negotiate.
Your current lender can only offer you their own rate. I compare 76+ lenders — including alternative lenders banks don't have access to — using one application and one credit check, so you see every option before you sign.
Compare your current payment against a better rate over your remaining amortization.
Comparing your current payment against the new rate over your remaining amortization. Doesn't just accept your lender's first offer — I'll negotiate across 76+ lenders. Get my renewal rate →
These are Dominion Lending Centres' general posted rates. Every renewal is different — share a few details and Anneka will shop 76+ lenders for something more competitive than your lender's first offer.
Term rates and bank-rate comparisons update automatically from Dominion Lending Centres. The Prime Rate updates automatically from the Bank of Canada's published prime rate. DLC Variable Rate is a discounted rate updated manually and should be confirmed at time of application. Rates are not a guarantee or commitment to lend, may vary by province, and are subject to change without notice.
Get updated rates in your inbox once a month — no spam, unsubscribe any time.
Porting lets you transfer your existing mortgage — rate, term, and all — to a new property when you sell and buy, instead of breaking your mortgage early and paying a penalty. It's worth knowing about even if a move isn't imminent, since the terms you'd be porting are set right now, at renewal.
Eligibility isn't automatic. Every lender has its own rules on how long you have to close on the new property, whether you can "blend and extend" if you need to borrow more than your current balance, and whether the new home qualifies under their current lending criteria. Some renewal offers are far more portable than others.
If there's any chance you might move before your next renewal, it's worth asking about porting terms now — not after you've already signed.
“Refinancing always seemed like such a headache, but Anneka made the whole thing painless. She helped me refinance my mortgage and land a great rate without me having to jump through hoops or chase paperwork every five minutes. On top of that, she found a way to work debt consolidation into the plan.”
Aaron L., Hamilton ON“Choose Anneka if you're looking for a mortgage as she's amazing at what she does. When you call her and tell her everything, all you have to do is sit back, relax and let her do what she does. You'll be stress free and she'll get you the mortgage in your beautiful home. Not only did she get us the mortgage, but we got a great rate. She was always available any time of the day.”
Shane & Malaysia G., New Tecumseth ON“She is amazing, she is my mortgage broker for life. Had a home for 20 years and wanted to use my equity, the bank I used wasn't willing to give me options. Spoke with Anneka, she made it easy & understandable and with her help I was able to get to where I needed.”
Chantel R., Brampton ONThere's no wrong way to reach out — call, video chat, email, or meet in person at the brokerage office. Whatever's easiest for you, I'll walk you through your options with no pressure and no cost to ask.
