Campbellford & area · Mortgage renewals
Your renewal letter is one lender's number, worth checking before you sign. Sylvia compares 60+ lenders against it first, and at renewal you can move without paying a penalty.
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Compare my renewalPrefer to talk? Call 343-451-6508.
It is also the moment most people spend the least time on. Here is what is actually on the table.
At the end of your term you can usually move to another lender without a prepayment penalty. Switching mid-term can carry one. The maturity window closes once you sign your renewal, and it does not come back until the end of the next term.
Renewal is when you can change your amortization, switch between fixed and variable, or fold other debt in. A rate-only comparison misses most of what you can actually adjust.
Sylvia shops your file across lenders on a single credit pull, so comparing does not cost you anything on your credit report.
“Sylvia was able to offer a rate much less than an original rate from my previous broker... She truly had my best interest in negotiating a new mortgage in such a tight deadline.”
No. A prepayment penalty applies when you break a term early. At the end of your term you can move to a different lender without one, though the new lender still has to approve your application.
Most lenders will look at a renewal a few months out, and starting earlier gives you room to compare properly. If your date is close, it is still worth a call before you sign anything.
Sylvia works from one credit check and presents your file to lenders from it, rather than each lender pulling separately.
Yes. Sylvia works out of 6 Queen St. in Campbellford and serves Cobourg, Port Hope, Trenton, Belleville, Peterborough, Brighton and the surrounding towns. You can meet in person, by phone, or after hours.
Leave your details and we'll hold your spot, then you go straight to the booking page to pick a time that suits you.