Banks count on most people signing their renewal without asking questions. It takes you 30 seconds and saves them from having to compete for your business. Upload your letter and find out in 24 hours whether your bank earned your loyalty or just assumed it.
Renewal offer from your lender: PDF, photo, screenshot. Any format. Takes about 60 seconds.
Your offer compared against 30+ lenders. Real math: your balance, term length, and all switching costs included.
Plain-English email. Either "sign it, your bank did right by you" or here's what better looks like, what it saves, and what to do next.
Most mortgage agents only contact you at renewal because there's a commission waiting. We'll tell you honestly when your bank gave you a competitive rate even when that means nothing in it for us.
That's rare in this industry.
| TD offered you | 4.89% · 5-yr fixed |
| Best available | 4.74% · First National |
| 5-year interest savings | ~$1,840 |
| Switching cost + hassle | ~$1,500–2,000 |
Your renewal window is limited. Most lenders give you 120 days. Don't sign anything until you know if you're getting a fair deal.