Renew

Be smart and use an expert mortgage broker to save hundreds or thousands of dollars at mortgage renewal time.

Incredibly, many Canadians renew their mortgage with the same lender because they believe it’s too time consuming to shop around – or think their existing bank’s offer is the best deal available. This isn’t necessarily true.

The Perfect Mortgage Renewal

Unfortunately, Many People End Up Losing Hundreds or Thousands of Dollars Simply by Accepting Their Lender’s Offered Rate When They Auto-Renew

Have you received a renewal offer from your current lender? Before you sign, come in and see Demos, a partner with Mountainview Mortgage, for a free evaluation. There may be a better deal elsewhere.

Shopping for the Best Mortgage

Shopping May Be Fun Sometimes, But Shopping For Mortgages Rarely Is

You may see a lender’s fantastic advertised rate, but discover that it is no longer available by the time you apply. There’s no way for you to know that certain rates are only available to clients with specific needs or credit qualifications or which lenders are the best for your particular situation.

Demos is a partner with Mountainview Mortgage who has expert knowledge of the many lenders and their various mortgage options. He works closely with you to determine your financial goals, future and current lifestyle needs, and personal preferences, in order to select the best solutions from amongst the available options.
Demos gets his clients the best combination of low rates and attractive terms – important, because some very low rates mortgages may not give you the options or flexibility you need.
(This is why you must always be careful of those who just advertise their low, low rates).
When it comes to shopping around, Demos has already done the legwork for you! Call Demos today

Transferring Your Mortgage to Another Lender

Sometimes, You Just Have to Move On…

Not all lenders can give you your best deal all the time.

It’s a fact – your financial situation may have changed significantly since the last time you renewed your mortgage and/or the lender may have a changed approach to mortgages. Either way, it happens often that smart financial people move to different lenders to secure the best possible mortgages when the time is right to do so.

Demos is a partner of Mountainview Mortgage who is an expert on the whole complex mortgage scene. He can evaluate your mortgage needs and determine if your current mortgage no longer fits where best to take your business.

Of course, this also gives Demos great leverage when dealing with lenders – see Negotiating with Your Current Lender for more details.
So call Demos today to discover your best options.

Negotiating with Your Current Lender

Make Your Current Lender Work for Your Business

Your current lender has plenty of incentive to keep you as a client at renewal time, and may contact you prior to your renewal with offers and promotions. But you can do even better. When your mortgage is up for renewal, you have a great opportunity to get even better rates and options from your current lender.

Ideally, if you have done your homework on current mortgage rates and product trends, you would be in a better position to negotiate the rate and features of your mortgage renewal.

On the other hand, who has time for that? That is why you use experts such as Demos, a partner of Mountainview Mortgage, who is always up to date on the most current rates and features of his many lenders’ mortgage products. He also has access to mortgage specialist-only lenders the general public cannot reach.
Call Demos today to find your best options. Demos will even negotiate with your current lender on your behalf to get you the best rate possible.

The Early Renewal Opportunity

Time to Take Control of Your Financial Destiny

Why Wait for Your Scheduled Renewal Date? Start Saving Serious Money Now!

An early renewal involves renegotiating the mortgage term and interest rate before the maturity date.
Serious advocates of financial security through real estate know that mortgage rates, terms, and conditions fluctuate often. This is why they advise you to revisit your current mortgage regularly to see if the market is accepting a lower rate or better terms … regardless of how long you’ve had it.
Some mortgage products allow the borrower to renew their mortgage early at any time during the term. Others may charge a small prepayment charge, but sometimes it may just be worth it to renew early anyway.

Demos is a partner with Mountainview Mortgage who has expert knowledge of the many options involved in early renewals.. He works closely with you to determine your overall financial goals, your lifestyle needs, and personal preferences in order to determine if early renewal is the best option for you. Demos can also advise you if an early-renewal-friendly is your best option going forward.
Early renewal is just one of the many money saving options available to you. Your mortgage professional must do the math to determine if and how much early renewal will save you.
Call Demos today to explore your early renewal options and save money.