Mortgage Renewal

With today's low interest rates, there couldn't be a better time for your mortgage to be up for renewal!

Your current lender, if they haven't already, will send you a 'Mortgage Renewal Notice' not long before your mortgage matures. Over 85% of people will simply sign the form and send it back, not knowing whether they are receiving the best rate or product for their needs.

Talk to a Mortgage Specialist

Since the last time you arranged your mortgage, things have probably changed. Maybe you have started a family? Or, maybe you have retired and have a new-found interest in traveling? Whatever your situation, the product you received 5 years ago may not be the right product for you today.

An Ingram Mortgage Team professional will complete a needs analysis with you and then do the shopping for you to align you with the right product that is tailored to your needs and wants.

Before starting your mortgage renewal:

  • Contact us 120 days before your renewal deadline.
  • Decide if you want to pull more money out with your renewal.
  • You are not obligated to stay with the same bank, our mortgage specialists will help you find the best rate and not stick with just one bank.
  • Renewal is the best time to put a lump sum down on your mortgage, if you can - this will save you interest in the future. Calculate how much you can save.

    Our specialized service is provided at no cost to you, as we receive a commission from the lenders for bringing them business.

  • Ultimate Variable Rate Mortgage (UVRM) Guarantee

    The Ingram Mortgage Team guarantees that when it comes time to lock in a variable rate mortgage, the team will offer their best discounted fixed rates available.
    What is the Ingram Mortgage Team UVRM Guarantee?

    1. The team will keep an eye on mortgage rates! Whenever a rate changes, the team will inform you AND tell you when it’s a good time to lock-in to a fixed rate.
    2. When locking-in a mortgage to a fixed rate the team GUARANTEEs the lender's best fixed rates OR the team will pay your breakage fee to get out of the mortgage to find a better rate.

    This “Broker Rate Lock in Guarantee” means that the service doesn’t stop when your mortgage documents are signed—the team continues to look for the best mortgage options for as long as you have your mortgage with the Ingram Mortgage Team
    Eligible Lenders: First National, Merix, Street Capital, Scotia, TD, Home Trust, Eq Bank, Canadiana Standard, CFF, ICICI, MCAP Standard, B2B, NBC, Coast Capital Savings.
    • B. Weick
      Jeff Ingram and his team were great! He was easily accessible and answered every question I had. What I appreciated the most was his ability to take our full needs into consideration and present us with different solutions. He also negotiated the best rate for our circumstance and took the time to explain the process, calming any fears we had. Real-estate is a large investment, whether you are just starting or if you have been in it for a while. Either way, I would have no problems recommending Jeff and his team for his experience, availability, insight and hard work!
      B. Weick

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