Mortgage Renewal Guide | Assured Mortgages

September 26, 2025 | Posted by: Assured Mortgages

Is Your Mortgage Coming Up for Renewal? Here's What You Need to Know

When your mortgage term ends, you face a decision that could impact your finances for years to come—renewing your mortgage. Most lenders will send you a renewal notice and hope you simply sign it without asking questions.

At Assured, that’s not how we do things.

We believe in making big decisions with clarity and confidence—and mortgage renewals are no exception.

Why Mortgage Renewals Deserve Your Attention

Your life has likely changed since you first signed that mortgage. Maybe your income is different, your home’s value has gone up, or you’re thinking about renovations or paying off debt.

This is your opportunity to renegotiate terms, shop around for better rates, or even switch lenders if the deal makes more sense. And yes—we handle that part for you.

What You Can Do at Renewal Time (That Your Bank Hopes You Don’t)

• Ask questions: Should you go variable or fixed this time? What’s happening with rates? We’ll walk you through it.
• Review your goals: Are you planning to move, refinance, or renovate? Your mortgage should fit your future.
• Shop the market: Your lender isn’t the only option. Our strong lender relationships mean we can find you competitive offers that work for your needs.

What Assured Clients Get at Renewal

• Honest advice, not sales pressure
• Strategic planning based on your goals
• A smooth process (no surprises)
• A mortgage that continues to work for you, not just with you

Real Talk: Signing and Sending It Back Isn’t a Strategy

We’ve had countless clients who were ready to auto-renew with their bank—until we showed them what was possible. In one case, a family saved over $12,000 in interest just by reassessing their term and rate strategy with our team.

Time to Renew? Let’s Talk First.

Whether your renewal is 6 months out or in your inbox right now, the best move is to start the conversation early. You’ll avoid pressure, have more options, and—most importantly—you’ll make a confident, informed decision.

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