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Manage your mortgage renewal - and save thousands!

Each year Canadians miss out on thousands of dollars in savings by not planning for their mortgage renewal. CMHC studies show that 80% of consumers intend to shop for a better deal at renewal time; however, only 30% of all consumers actually do. In fact, over half simply sign their renewal, accepting the lenders first offer without question. 

 
Most lenders will not send a renewal notice until 30 days prior to renewal.  This is done for two reasons: 1) it allows the lender to avoid costs by only protecting you from rising rates for 30 days; and 2) your lender can significantly limit your ability to shop around for a better deal.
 
A Mortgage Broker will help you take control of your renewal and get you the best possible interest rate for which you are eligible. They can arrange for a rate hold 120 days prior to your renewal. If interest rates increase during that period, you will still get the lower rate. If rates decline, you will get the lowest rate available during the period.
 
Renewal time is also an excellent time to consider refinancing your high interest debt like credit cards and finance company loans into your mortgage.  A mortgage refinance can save you thousands in interest charges and significantly increase your monthly cash flow.
 
 
How much can you save?
 
It is possible to save thousands of dollars over the course of a typical five-year term.
 
Here’s an example:
 
Mortgage Size                                               $100,000
Renewal Date:                                                  Nov. 1st
Rate Hold Date (120 days prior):                   July 4th
Bank Market Rate July 4:                                    5.70%
Broker Discounted Rate July 4th:                     4.49%
Bank Market Rate Oct. 1:                                    5.95%
Discounted Rate Oct. 1:                                     4.70%
Your Rate:                                                             4.49%
 
Total savings in interest: $7,000!
 
Do you want to know if you’ve been offered the best deal on your mortgage renewal? Talk to a Mortgage Professional at One Link Mortgage & Financial.  
 
We represent Canada’s top lenders, including major banks, credit unions, life and trust companies. We have access to discounted mortgage rates and hundreds of innovative mortgage products. You can’t lose! 
 
Best of all, our services are FREE (O.A.C.)