FSRA #13717 DOMINION LENDING CENTRES A.I.M.I. COLLECTIVE MORTGAGE GROUP
OVER 1 MILLION CANADIAN MORTGAGES ARE RENEWING IN THE NEXT TWO YEARS
Mortgage Renewal Coming Up? Compare Your Options First
Most Canadians accept their bank’s renewal offer without comparing rates. See if you could save before you sign.
Mortgage Renewal Calculator
Estimate your new mortgage payment and explore your renewal options before accepting your bank’s offer. Our RenewalIQ tool helps Ontario homeowners compare scenarios and plan their next step.
Current Mortgage Rates
Rates vary by borrower profile and lender. Compare options from multiple lenders before renewing.
Example Rates:
3 Yr Fixed From 3.92%
5 Yr Fixed From 3.89%
5 Yr Variable From 3.65%
Before You Renew Your Mortgage
Over 60% of Canadian mortgages are renewing between 2025 and 2026. Many homeowners accept their bank’s offer without comparing options. A mortgage broker can often find better rates or restructure your mortgage to reduce payments.
Trusted by Ontario Homeowners
See what clients say about working with Valko Financial.
My partner and I were first time homebuyers, and frankly, were very intimidated and relatively uneducated in the world of mortgages and home buying. Tonya Origlieri was our mortgage agent, and was not only a pleasure to work with, but made our experience as stress free as possible. She was very knowledgeable and went above and beyond to make sure we had the best lender fit for our needs, and helped guide us through the entire process. She played a pivotal role in our first home buying journey, and we are grateful for the quality of service that was provided to us. Thank you!
Read moreGraeme Woodall
10 days ago
Awesome experience, answered all questions & made the mortgage process smooth! Used a second time, and same thing! Responsive & easy to deal with.
Read moreBayley Doerr
2 years ago
Tonya was amazing. I honestly wasn’t sure that there was a lot of value in using a broker, as the rate did not seem better than I would have got if I walked into my bank. It turns out that I was very wrong. Tonya supported me through some very tricky issues with the application and I was very thankful that she was there to support me. My only concern is that my payments and frequency of payment turned out to be incorrect, despite bringing this up on a number of occasions. This may have been the fault of the lender, but it was frustrating, none-the-less. Overall, I was thrilled with how Tonya went to bat for me and was able to convince the lender to waive the requirement for an appraisal, which saved me money and hassle. I highly recommend Tonya and Valko Financial.
Read moreAngela Lehmann
1 month ago
Cindy did a great job explaining the home buying process to a first time home buyer and helped us navigate financial approval and a quick closing. We are so thankful she was referred to us!
Read moreJo Reason
1 month ago
Meghan V
1 month ago
Amazing service and Knowledge. They were able to find what best suited our needs with constant communication. Couldn't asked for more. I would recommend Cindy White and the Valko team to anyone.
Read moreMark Hainer
2 years ago
Let us help you renew with a strategy, not just a rate.
If your mortgage renewal is coming up in the next 6 to 12 months, now is the time to review your options. Many homeowners accept their bank’s renewal offer without comparing rates. Exploring other lenders could help you secure a better rate or lower your monthly payment before you sign.
