Your mortgage is renewing.
Don’t settle for their first offer.
Renewing your mortgage can often feel like a daunting task that takes time out of your busy day, but it doesn’t have to be that way. Let Bruno handle the heavy lifting and find you the best rate available.
Get Your Renewal Quote →
Banks send you their best offer.
Not necessarily your best option.
When your mortgage renewal approaches, your current lender will send you a renewal offer. It’s easy to sign it without thinking too much about it. But that offer reflects what your bank wants to give you, not what the rest of the market can provide.
You may be asking yourself, “Am I getting the best offer from my bank?” or “Should I choose a fixed or variable rate?” These questions are completely understandable. The good news is that with Bruno’s extensive access to multiple lenders, you can explore a wider selection of choices and competitive rates without lifting a finger.
Bruno will help guide you through the entire process and ensure you get the best possible offer — and usually at ZERO cost to you.
Renewing made simple.
No paperwork mountain, no confusing jargon. Just a straightforward process that puts you in control of your renewal decision.
Tell Bruno about your current mortgage balance, your remaining term, and your goals. He’ll pull your renewal details directly from your lender so you don’t have to dig through paperwork.
Bruno shops across 35+ lenders to find rates and products that beat your bank’s default offer. Fixed, variable, blended, or term-length changes — he shows you the full picture so you can decide what truly works for you.
Once you choose the right option, Bruno handles the application, coordinates with the lender, and manages all the paperwork. Your renewal happens smoothly without you having to take hours out of your busy day.
Fixed or variable?
It’s your choice, not a bank’s default.
One of the biggest questions during renewal is whether to lock in a fixed rate or go variable. The right answer depends on your comfort level, your time horizon, and how you view the direction of rates.
Here’s how Bruno helps you decide:
- A clear side-by-side comparison of fixed vs variable for your exact mortgage balance
- Honest guidance based on market conditions — not a lender’s sales targets
- Blended-rate strategies if you want part fixed and part variable
- Term-length advice: two years, three years, five years, or ten+
- Renewal timing strategy so you’re never caught with a short deadline
Signing without comparing
could cost you thousands.
When it’s convenient to renew with your existing bank, it’s easy to skip the comparison. But here’s what that convenience can cost you.
Even a quarter-percentage-point difference can add up to thousands over the life of a five-year term. Bruno shops the market to find the lowest qualifying rate your profile deserves, not just the first rate your bank offers.
Studies consistently show that banks charge loyal customers more than new ones. Your bank knows you’re unlikely to shop around at renewal time — and they bank on it. Bruno levels the playing field by shopping on your behalf.
With 35+ lenders available, Bruno can find products your bank simply doesn’t carry. Need to change your term length? Switch from fixed to variable? Access a more flexible prepayment structure? Independent lending opens doors that your bank keeps closed.
Working with Bruno during your renewal usually costs you absolutely nothing. The lender pays Bruno’s commission, so you get professional shopping and negotiation expertise at zero out-of-pocket expense. It’s a free second opinion that could save you real money.
Still have questions about renewal?
The earlier, the better. Ideally 60-90 days before your maturity date. This gives you enough time to shop around, compare options, and negotiate without pressure. If your bank has already sent a renewal package, you still have time to explore other options.
Absolutely. Your renewal is essentially a new mortgage transaction, and you’re free to take it to any lender. Bruno handles all the coordination with your current lender and the new one so the transition is seamless.
It depends on your mortgage balance, your credit profile, and current market conditions, but many clients save anywhere from 0.25% to 0.75% or more on their renewal rate. On a $400,000 mortgage, even a 0.25% difference can save you hundreds per year.
Every mortgage application involves a credit check, which may cause a small, temporary dip. But this impact is usually minimal compared to the potential savings from a better rate or product.
For the vast majority of renewals, yes — it costs you absolutely nothing. The new lender pays Bruno’s fee as part of the mortgage origination process. You benefit from his expertise and market access at zero out-of-pocket cost.
Bruno will calculate your exact penalty and factor it into the overall cost-benefit analysis. Sometimes the penalty outweighs the savings, and sometimes the new rate more than makes up for it. He runs the numbers so you can make an informed decision.
Don’t sign until
you’ve seen your real options.
Let Bruno shop the market for you in 15 minutes — no pressure, no obligation, and no cost.
Zero cost to you. Your best rate is waiting.