Renewing your mortgage with your existing financial institution is easy and convenient, but you may not receive the best terms, conditions, and rated the market can offer.

Generally, it is a good idea to start shopping for a new mortgage between 4 and 6 months before your current mortgage term expires. The more time you give yourself, the more negotiating power you have.

I can shop with different financial institutions and you may be amazed at what options are available to you.