Let me give it to you straight.

Most people sleepwalk into mortgage renewal. They get a letter from their bank, shrug, sign the paper, and go back to scrolling Instagram.

And just like that, they get locked into a crappy rate that quietly siphons thousands of dollars out of their pocket for the next 5 years.

Why? Because the bank is betting on one thing: that you’ll do nothing.

But you’re smarter than that. You're here. You're reading this. So let me show you how to flip the script, fight back, and put money back in your pocket where it belongs.

Step 1: Wake Up BEFORE the Bank Does

By the time your lender sends that renewal offer (usually 30–60 days before your term ends), they’ve already made one big assumption about you:

“This one won’t make a fuss. Just send them the ‘standard offer.’ They’ll sign.”

If you wait for that letter, you’re already behind.

Start planning 4–6 months early. That’s when the magic happens. That’s when you still have leverage.

Because guess what? Rates change. Offers change. And if you find a better deal now, most lenders will let you lock it in up to 120 days before your renewal.

Even shaving off just 0.25% could save you over $1,000 a year on a $500,000 mortgage. That’s real money. Not bank loyalty points.

Step 2: Stop Thinking Your Bank Is Your Friend

They’re not. They’re a business. And every business wants to make as much money off you as they can.

Most banks start with their highest rate and just hope you won’t say a word. It’s like walking onto a car lot and agreeing to pay the sticker price before you even sit in the car.

Don’t do that.

Here’s what you do instead:

• Ask for their best rate, in writing.

• Call a mortgage broker (like me) and say, “What can you get me that beats this?”

• Use the competition against them. If another lender wants your business, make your bank EARN the right to keep it.

You don’t have to yell. You don’t have to threaten. Just don’t be passive. You’re negotiating for potentially tens of thousands of dollars over the life of your mortgage.

Step 3: Rate Is Important - But It’s NOT Everything

Your mortgage is more than a number. It’s a tool. And when used right, it can completely transform your financial future.

At renewal, you can do more than just tweak your rate. You can:

• Lock in predictability with a fixed rate

• Go variable to take advantage of falling rates

• Accelerate your mortgage payoff and ditch years of interest

• Consolidate your debt and save yourself from those 19% credit card interest rates

• Pull equity for smart investments, renovations, or even your kid’s education

Five years ago, your life looked different. So should your mortgage.

Step 4: Read the Market Like a Pro (or Let Me Do It for You)

2025’s rate environment is changing. We’re coming off a rollercoaster of hikes. And while signs point to some relief, the future is anything but guaranteed.

But here’s the power move: Rate hold.

If rates go up before your renewal, you're covered.

If rates go down? You switch to the lower one.

You win either way.

As a broker, I track the market daily. I can lock in the best rate available to you, and if it improves, we pivot. That’s the kind of flexibility you don’t get when you just sign the bank’s “final offer.”

The Bottom Line: Be the 1 in 10 Who Doesn’t Get Burned

Your mortgage renewal is the easiest time to save serious money, and almost nobody does it right.

They trust the letter. They trust the bank. They pay more. For years.

You don’t have to be that person.

Here’s what you do:

📞 Book a call with me.
💼 I’ll shop the market for you.
📝 We’ll negotiate the rate and the terms.
💰 You save money. You get more options. You win.

Simple.

P.S. If your mortgage renews in the next 6–12 months, you’re on the clock. The earlier we talk, the more power you’ve got. And I’m not charging you to shop, I’m here to get you results.

Let’s turn your renewal into your smartest move of the year.