Project Options
When your mortgage term ends, you’re free to explore better rates, adjust your structure (fixed/variable), or even switch lenders—often with no penalty.
Credit Friendly Options
No matter your credit situation today, renewal time is your chance to review, reassess, and reset with confidence.
Flexible Loan Terms
This is your moment to rethink amortization, change your term length, or align your payments with new priorities.
Quick Approval Process
Renewals move fast. Our experts shop your file with over 90 lenders and help you make smart moves—on time.
Time to Renew?
Smarter Mortgage Renewals Start Here
If your lender has sent a renewal letter, don’t sign it just yet. Nearly 60% of borrowers renew blindly—without comparing rates or terms. That’s money left on the table.
When your mortgage reaches maturity, you can switch products, renegotiate rates, or even move lenders—usually without any penalties. Whether you’re moving from fixed to variable (or vice versa), a Powerhaus Mortgage Expert can help weigh the pros and cons.
Apply now to explore your options before your term ends.
Certified Team
We help you evaluate your renewal offer and explore better alternatives across our lending network.
Trusted Company
Thousands rely on us to secure better rates, smarter terms, and improved options—at every renewal.
Apply For a Loan
Get Approved in a Few Simple Steps
Flexible Financing Options
You Deserve Better Than Auto-Renew
Your mortgage renewal shouldn’t be automatic. With access to 90+ lenders, we can shop for better rates and options that reflect your current situation—not your five-year-old file.
A Powerhaus Mortgage Expert can help compare, requalify, and negotiate—all before your renewal deadline hits.
Apply now to secure a smarter renewal strategy.
Frequently Asked Questions
No—you’re free to switch lenders at renewal without a penalty, though fees like appraisals or legal costs may apply.
Yes. You can go from fixed to variable, or vice versa, and even adjust your term or amortization.
At term-end, you typically won’t face a penalty. However, switching may involve fees your new lender might cover.
You may need to reapply, and the cost could be higher based on your current age or health.
Begin reviewing your options at least 3–4 months before your term ends to give yourself time to make an informed decision.
Absolutely. Let us shop the market first—then you can use better quotes to negotiate, or switch altogether.