Mortgage Renewal

Don’t Just Sign the Renewal Letter

Your lender’s first offer is rarely their best. Alistair compares it against 30+ alternatives so you keep more money in your pocket for the next term.

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How Alistair Helps You

Most homeowners receive a renewal letter from their lender, sign it, and move on. That convenience comes at a cost — lenders know that most people won’t shop around, so the initial renewal offer is almost never the best rate available.

Alistair takes your renewal offer and benchmarks it against what 30+ lenders are currently offering. Even a small rate difference — a quarter of a percent — can save thousands over a five-year term. And if your current lender is still the best option, Alistair will tell you that too.

If switching lenders turns out to be the better move, Alistair handles the entire process — from application to lender conditions to coordinating with lawyers. Many lenders cover transfer and legal costs for new clients, so switching is often free.

What to Expect

  • Review your renewal offerAlistair analyzes the rate and terms your current lender is offering
  • Market comparison — Your renewal is compared against 30+ lenders to find the best available option
  • Clear recommendationAlistair tells you whether to stay, negotiate, or switch — with the numbers behind it
  • Seamless transition — If switching, Alistair coordinates the transfer so nothing falls through the cracks

Frequently Asked Questions

Ideally, four to six months before your term ends. That gives Alistair enough time to shop the market, compare your current lender's offer, and negotiate or switch if a better option exists. Starting early also means you can lock in a rate hold as protection against increases.

Renew Smarter with Alistair

Don’t leave money on the table. Let Alistair find the best rate for your next term.

Apply Now