Your renewal letter
is lying to you.
The rate your bank offered isn't the rate you have to take. You have 120 days before maturity to shop the entire market with zero penalty and zero credit hit.
- ✓ Compare your bank's offer vs 45+ lenders
- ✓ 5-year interest delta on your actual balance
- ✓ Blend-and-extend options most brokers won't tell you about
FSRA-licensed · No form after this one · No credit pull
60%
of Canadian mortgages renew in 2025–26
$180–$340
avg monthly savings on last 40 renewals
120
days you can shop before renewal, no penalty
Real Numbers · This Week
The gap they don't advertise
Illustrative broker-channel best-tier rates. Your actual rate depends on file, LTV, and lender fit. That's what the report solves for.
How the report works
Three fields. Two hours. Zero pitch.
01
Tell us three things
Balance, renewal month, current rate. That's it. No SIN, no application, no credit pull.
02
A licensed broker builds it
Not a bot. A FSRA-licensed advisor runs the math against today's live lender rate sheets.
03
You get the side-by-side
Bank offer vs broker-channel best fit, five-year interest delta, blend-and-extend options if any.
Questions you probably have
Is this a hard credit check?+
No. Nothing on this page pulls credit. A soft pull is only done later — with your written consent — if you decide to formally apply.
What does the broker actually get paid?+
The lender that funds your renewal pays us. You never pay a broker fee on A-lender or most B-lender business. That fee is built into the rate sheet regardless — the only question is whether it goes to us or to your bank branch.
What if my rate ends up worse than my bank's?+
Then you renew with your bank. The report just gives you a real comparison — you're under no obligation to switch. About 1 in 8 files we run stay with the incumbent because the bank's retention team matches once they know we're looking.
How is 120 days different from just waiting?+
Most lenders will lock a rate for up to 120 days before your maturity date. If rates rise, you're protected. If rates drop, you take the lower one. That optionality is worth thousands and it's free — but it disappears the day your renewal auto-executes.
Do I have to be in Ontario?+
IndiBrick is licensed in Ontario. For other provinces we can refer you to a licensed partner in your region — just tell us on the form.
Your renewal is a starting bid.
Every month you wait is thousands you don't get back. Two hours from now you'll know your real number.
Get My Renewal Rescue Report →FSRA-licensed · No credit pull · Response in < 2 hours