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.
I've had a fantastic experience working with Tracy Valko and the team. Carol was caring, informative and responsive. She ensured I had all the information I needed as a first timer and was happy to answer any and all questions I had. Their system makes the entire process very streamlined and easy to navigate. Highly recommend!
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Aleksis
8 days ago
Cindy was amazing to work with from start to finish! She was always helpful, quick to respond, and took the time to answer all of our questions. She made what can be a stressful process feel so much easier, and we always felt like we were in good hands. We really appreciated all of her help and would absolutely recommend Cindy to anyone looking for a mortgage broker!
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Alyssa Hoag
11 days ago
The team walks you through everything - very professional and answered all queries promptly. It was a stress free experience working with the Valko Team
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Mehran Kamal
18 days ago
Extremely professional, responsive and patient especially with first time buyers , highly recommend
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Siddharth Singh
19 days ago
Good job, Valko team!
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Jessica Bruce
1 month ago
Working with Tracy was a great experience. Tracy and her team worked hard to get me the best rate and consolidate everything for ease of payment. I would highly recommend Tracy Valko and Valko Financial if you are purchasing a home.
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Kathy Shaw
1 month 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.