Your Renewal Is a Negotiation, Not a Formality
When your mortgage term ends, your lender sends a renewal offer — but that offer is rarely their best rate. Most homeowners simply sign and move on, missing out on potential savings. At Iwillgetumortgage, we compare your renewal offer against the wider market to make sure you’re getting the most competitive rate and terms available, whether that means staying with your current lender or transferring to a new one.
Don’t Just Renew. Compare First.
Your lender’s renewal offer isn’t always the best one on the market — let us find you a better rate before you sign.
How It Works
Renewal Review
Send us your current lender’s renewal offer for comparison
Market Comparison
We check rates and terms across our full lender network
Recommendation
We show you the best option, whether it’s renewing or transferring
Seamless Switch
We handle the paperwork and coordinate the transfer, if needed
Why Choose Us for Your Renewal or Transfer
See how your lender’s offer stacks up against the competition
In most cases, transferring your mortgage comes at little to no cost to you
We help you start the process early, before your renewal deadline
Adjust your amortization, payment frequency, or rate type at renewal
We’re not tied to one lender, so our advice is always in your best interest
Frequently Asked Questions
Ideally, 3–4 months before your mortgage term ends, so you have time to compare rates and lock in a favorable option.
In many cases, the new lender covers transfer costs like legal and appraisal fees — we’ll confirm what applies to your situation.
Yes. Renewal is a great opportunity to adjust your amortization period, switch between fixed and variable rates, or change your payment frequency.
If you don’t act before your term ends, most lenders will automatically roll you into a renewal — often at a less competitive rate.