Save Thousands on Your Mortgage Renewal

EXPERT MORTGAGE RENEWAL SERVICES IN BC

Mortgage Renewal Services in British Columbia

Your mortgage is likely your largest financial commitment. When renewal time comes, don't automatically accept your bank's offer. Our mortgage renewal specialists help BC homeowners save thousands by comparing rates, negotiating terms, and exploring all available options.

💡 Did you know? The average homeowner can save $3,000-$8,000 per year by not auto-renewing with their current lender.

When Should You Start Your Renewal Process?

Timing is crucial for getting the best renewal terms

6 Months Before

Start exploring options. Begin rate shopping and reviewing your current situation. This gives you maximum negotiating power.

3-4 Months Before

Apply with new lenders, get pre-approvals, and negotiate with your current lender. Ideal time to lock in rates.

30 Days Before

Finalize your decision and complete paperwork. After this, you'll receive your renewal statement and have limited options.

How We Help with Your Mortgage Renewal

Professional guidance to ensure you get the best renewal terms

Rate Shopping

Compare rates from 50+ lenders to ensure you get the best deal

Term Negotiation

Negotiate better terms, prepayment privileges, and flexibility

Cost Analysis

Calculate potential savings and break-even points for switching

Paperwork Handling

Handle all documentation and lender communications

Your Mortgage Renewal Options

Understanding your options helps you make the best decision

Stay with Current Lender

Pros:

  • ✓Simple process
  • ✓No legal fees
  • ✓No appraisal needed

Cons:

  • ✗May not have best rate
  • ✗Limited negotiation power
  • ✗Miss better products

Switch to New Lender

Pros:

  • ✓Access to better rates
  • ✓New product features
  • ✓Cash-back incentives

Cons:

  • ✗Legal and appraisal costs
  • ✗More paperwork
  • ✗Credit qualification required

Refinance for Cash

Pros:

  • ✓Access home equity
  • ✓Consolidate debt
  • ✓Fund renovations

Cons:

  • ✗Higher borrowing costs
  • ✗Extended amortization
  • ✗Qualification requirements

Get Your Free Mortgage Renewal Analysis

Don't leave money on the table. Our comprehensive renewal analysis includes:

  • ✓Rate comparison from 50+ lenders
  • ✓Potential savings calculation
  • ✓Term and feature recommendations
  • ✓Switch vs. stay analysis

Schedule Your Consultation

Get expert advice on your mortgage renewal options with no obligation.

Get In Touch

Contact SPS Aulakh for expert real estate and mortgage services across British Columbia

PHONE

(778) 668-4682

Call or text for immediate assistance

EMAIL

info@spsaulakh.com

Email for detailed inquiries

LOCATION

British Columbia

Serving Metro Vancouver & Fraser Valley

Licensed Real Estate & Mortgage Professional serving Surrey, Delta, and Langley areas.