The Greater Toronto Area is Canada's largest and most varied mortgage market, spanning downtown condos, 905-belt townhomes, and detached homes from Oshawa to Milton. Borrowers here range from first-time condo buyers to growing families upgrading within the same commuting corridor.
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Choosing a renewal & switch mortgage agent in Toronto & GTA
An agent should shop your renewal across multiple lenders before you sign whatever rate your current bank offers — banks rarely lead with their best rate on a renewal notice.
Renewal & switch mortgage agents in Toronto & GTA — common questions
No — you're free to switch lenders at renewal, and it often comes with a better rate since you're not locked into your existing bank's offer.
Generally no, as long as your mortgage balance and amortization stay the same — this is one of the main advantages of switching versus a true refinance.
Start 4–6 months before your renewal date — most lenders let you lock in a rate up to 120–150 days in advance.