FREE GUIDE FOR ONTARIO HOMEOWNERS
The Renewal Playbook
The 4 to 6 month system for getting a better rate on your next mortgage renewal — without taking the bank’s first offer.
One email. Free download. No spam, ever.
Why this Playbook exists
Most renewal letters arrive 30 to 45 days before your maturity date. By then, your leverage is gone.
This Playbook walks through the timeline the bank doesn’t tell you about, the math behind switching versus staying, and the four questions that make the right answer obvious.
Written for anyone with a mortgage renewal in the next twelve months.
What’s inside
Section 1 — What a renewal actually is
Renewal vs. refinance, what the maturity date really means, and what the renewal letter does and doesn’t show you.
Section 2 — The 4 to 6 month advance timeline
Why the bank’s letter is intentionally late, when an early renewal is free, and a month by month checklist.
Section 3 — Comparing your bank’s offer vs. the broker market
Posted vs. discounted rates, the loyalty premium, and a side by side worksheet.
Section 4 — Switch vs. renew, the 4 break even questions
The four costs of moving a mortgage, the rate gap that covers them, and a 10 minute decision framework.
Section 5 — Your renewal action plan
Everything from the first four sections, turned into a single checklist.
Who this is for
- Homeowners with a maturity date in the next 12 months
- Anyone who’s signed a renewal letter without shopping it before
- People who’ve heard “just call your bank” and want to know what that conversation actually sounds like
- Self employed, newcomer, and refinance situations where the bank’s offer is rarely the best fit
About the author
I’m Miroshan Nithiyananthan, a licensed mortgage agent with Mortgage Foundations, FSRA #13614. I work with Ontario homeowners on renewals, refinances, and switches across the GTA and beyond.
I built this Playbook because I kept watching people sign their renewal letter the day it arrived and lose thousands of dollars in the process. There’s a better system. This is it.
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One email. Free download. No spam, ever.