Don’t Wait — When to Start Talking Mortgage Renewal

Why timing matters

• Lenders need time for credit checks, appraisals, and underwriting.

• Rates can shift quickly — starting early gives you more leverage.

• You may lose negotiating power if you wait until weeks before maturity.

Suggested timeline

Time Before Renewal	What You Should Do
9–12 months	Reach out to LaframboiseMortgage.ca for market insights & a “renewal health check.”
6–9 months	Start comparing offers: fixed vs variable, term lengths, prepayment features.
3–6 months	Request formal offers, order appraisal (if needed), begin switching paperwork.
1–3 months	Finalize your new deal, ensure closing logistics are set.
At maturity	Sign new mortgage documents or transition to your new lender.

Why LaframboiseMortgage.ca should be part of your timeline

• We monitor your options continuously — you don’t have to become a rate expert.

• We can run “what-if” analyses (e.g., switching, refinancing, changing amortization) for your specific situation.

• We know which lenders are competitive at any given moment — we’ve built those relationships.

Real example (from your video)

In [your video reference], you explained how waiting until the last minute caused a client to lose a better offer because rate conditions changed. (If possible, embed a short clip or snippet to reinforce the lesson.)

Reminder:

Even if we did not originate your mortgage we can still help you track it and keep an eye out for any options that could allow you to save money mid-term. All we need to know is your lender, rate, maturity date and mortgage amount..... with just this information we can track everything for you and notify you of key dates so you don't miss an opportunity to save money!