Renewal letter arrived?
Your renewal is a decision, not a signature.
Signing the first number your lender offers is the one moment in your mortgage where switching costs you nothing. It's worth a conversation before you sign.
You'll be speaking with Stephen You're all set. Pick your time below.
Book a 30-minute callPrefer to talk? Call 250-299-3886.
British Columbia licensed
Stephen Aitcheson is a Submortgage Broker working through Xeva Mortgage LLP, serving Summerland, Penticton and the South Okanagan.
He compares options across lenders rather than one lender's shelf, and his support doesn't end at approval: he schedules an annual review so the mortgage keeps matching your life. No cost to talk, and no obligation. British Columbia licence BCFSA #MB610332.
- Mortgage renewals
- First-time buyers
- Refinancing and equity
- Debt consolidation
- Self-employed and contractors
- Reverse mortgages (55+)
“Our bank turned us down for a mortgage and a friend recommended Stephen Aitcheson. He took the time to understand our current finances and provided us with some great options. He was understanding, explained the entire process to us and took care of every detail making the entire process stress free.”
Frequently asked questions
Does switching lenders at renewal cost me anything?
At renewal there's no prepayment penalty for moving, which is what makes that window different from breaking a mortgage mid-term. Some lenders charge their own transfer or discharge administration fees, so Stephen confirms the exact figures with the lender before you decide anything.
How far ahead should I start?
Several months before your maturity date is comfortable. It leaves time to compare properly rather than deciding against a deadline.
What if I would rather just stay where I am?
That's a completely reasonable outcome, and often the right one. The point of the review is that you stayed knowing what else was on the table.
Reserve your spot, then pick a time
Leave your details and we'll hold your spot, then you go straight to the booking page to pick a time that suits you.