How I’ll Help You Navigate Your Upcoming Mortgage Renewal

You're at the right Place.

If you bought your home about five years ago, there’s a good chance your mortgage rate was below 2%.

At the time, that felt normal — even cautious. Now, as your mortgage renewal approaches, you’re being quoted rates in the high 3% to low 4% range, and it can feel like a punch to the gut.If you’re worried about your mortgage renewal, you’re not alone.

I’m having this exact conversation with homeowners every day.

Let’s slow it down and walk through what this really means.

See how I can help you navigate it calmly and confidently.

First Things First: You Didn’t Mess This Up

A lot of people tell me, "I feel like I bought at the top of the market” or “I should have done something differently.”

Here’s the truth:

You bought a home you needed, when rates made sense.
You passed a much tougher stress test than today’s buyers.
You’ve spent five years paying down principal instead of rent.
You’ve built equity, even if prices have cooled temporarily

A mortgage renewal isn’t a verdict on past decisions. It’s just the next chapter.

What Higher Mortgage Rates Actually Mean (and What They Don’t)

Yes, your interest rate is going up — there’s no avoiding that. But the impact is often less dramatic than it feels at first.Why?

Your mortgage balance is lower than it was five years ago
Many households earn more now than they did then
You already qualified at much higher “stress test” rates

Today’s rates are still reasonable by long-term historical standards. The jump feels big because 1.89% was unusually low, not because today’s rates are extreme.

Step One: Start With the Real Numbers

Before talking about fixed vs variable, or which lender is “best,” we start with clarity.

Together, we’ll look at:

Your remaining mortgage balance
What your payment would be at different renewal rates
How those payments actually fit into your monthly life

Once the numbers are clear, anxiety usually drops fast. Guessing is stressful — clarity isn’t.

Step Two: Choosing the Right Mortgage Renewal Strategy

This is where most people get stuck chasing the lowest rate instead of the right plan.

Depending on your situation, the best option might be:

A shorter fixed term for flexibility
A longer term for payment certainty
Adjusting amortization to manage cash flow
Making a lump-sum payment before renewal
Restructuring now to make future renewals easier

There’s no universal answer — especially in this rate environment. My role is to help you balance monthly comfort, long-term cost, and peace of mind, not just today’s headline rate.

Step Three: Looking Past This Renewal

Your upcoming mortgage renewal matters — but it’s not the finish line. We’ll also talk about:

Where interest rates may head over the next few years
How flexible you want to be if rates change again
How this mortgage fits into your broader financial picture

A good renewal strategy doesn’t just get you through this year — it makes the next renewal far less stressful.

A Simple Promise

If your mortgage is renewing soon and you’re feeling uneasy, here’s what I can promise you:

No pressure
No judgment
No rushed decisions
Clear answers in plain language

A plan built around your comfort level. You don’t need to panic, and you don’t need to figure this out alone. A Soft Next StepIf your mortgage renewal is coming up in the next 6–12 months and you’d like to understand your options — even just to get a clearer picture.

I’m happy to have a conversation.No obligation. No sales pitch. Just a chance to replace uncertainty with a plan. When you’re ready, I’m here.

Your friendly broker,

Andre

andre@yourontariomortgage.ca / 705.768.5587