When your mortgage term is coming to an end and you still have a balance owing, it’s time to renew. When you want a better rate, access to funds, or to consolidate loans, consider refinancing.
Receive a renewal notice
We’ll remind you of your upcoming renewal at least 6 months in advance to give you plenty of time to prepare.
Learn about rate specials and other available options by meeting with a financial advisor.
Secure the best rate by renewing your mortgage before your renewal date.
We’ll take care of your legal fees when you bring your mortgage to us, because you should have the freedom to choose a mortgage that works for you.
Access more money
Whether you’re considering a big purchase or facing unexpected expenses, refinancing your mortgage can give you access to more money.
Get peace of mind and consolidate any debt into a single payment with a lower interest rate.
Get a fresh start by refinancing your mortgage to a lower rate, or negotiate a more affordable payment plan.
Blend and extend is the process of blending your current mortgage interest rate with a lower available rate for a combined average used to extend your current term. If your mortgage isn’t up for renewal and there’s a better rate available, you may incur penalties for refinancing. In this case, blend and extend can save you money.
Get access to more money when you refinance your mortgage. Whether there’s a better available rate, or you need money for a purchase or project, refinancing can help. But remember, the refinancing process is very similar to getting a new mortgage. You’ll have to:
*Rates are subject to change without notice.
Use the mortgage calculator to determine how much you can borrow and to estimate your
monthly mortgage payments.
Prepare to start your search for the right home from getting pre-approved to understanding your financial responsibilites.
Enjoy affordable living, experience the natural beauty of the Valley, and find local events and activities for you and your family.
If you’re considering an older home, start with a home inspection. You might need to budget for the costs of hiring a general contractor or even a structural engineer.
Earn bonuses and rebates on products, plus dividends on equity shares paid annually.
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