FSRA# 13047 Valko Financial Ltd.

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Valko Financial Mortgage

Renewal

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When can I renew my mortgage?

Generally it is a good idea to start shopping for a new term between four and six months before your current mortgage term expires.

Many lenders send out your renewal letter very close to the time that your term expires and this does not give you ample time to arrange for a mortgage term through a different lender.

This means that you need to be tracking your own mortgage term timeframe and know when it is time to start shopping for a good mortgage renewal rate.

Want us to take a second look?

Contact us today to find out how we can help you make sure you getting the best renewal rates!

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Consider your circumstances

Mortgage Team Divider

Has your income changed?

Have your expenses changed?

Has your appetite for financial risk changed?

Are you starting a family or getting married, or had a change in your marital status?

Do you need to pay for tuition, a wedding or another milestone event?

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Examine your goals

Mortgage Team Divider
  • Do you want to be mortgage-free faster?
  • Does your home need a renovation or major repair?
  • Are you moving in the future?
  • Do you want to check off items from your bucket list?
  • Do you want to pay a lump sum on your mortgage?
  • Do you have a plan if your income is lost or reduced?
  • Are you looking to build your investment portfolio?

Testimonials

Mortgage Team Divider
The service was very quick, within no time I had renewed my mortgage and took advantage of the low interest rates! Very responsive to all my questions! Thanks so much.
Nicole Mathews
I have used Tracey and her team now exclusively the last three times to renew my mortgage. They have been very helpful in getting me the best rates and have made the process seamless. I would definitely recommend their services!
Melanie CarltonJune 15, 2021
An amazing team that follows up regularly and showed infinite patience to my wife and I, who were very new to the “renewing mortgage process”. I highly recommend the Valko Team!
Jason RogersAugust 11, 2020
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Let us help you

Never accept the first rate offer from their existing lender. Without any negotiation, simply signing up for the market rate on a renewal is unnecessarily costing you a lot of money on their mortgage.Let us renew the terms for you to ensure that you are getting the best rate and product. 

Before you ever hear from your lender about renewing your mortgage term, we are able to shop banks for you we work for you.

Rework it the way you see fit.

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Current rates