Strategy Mortgage Group

That mortgage renewal letter from your bank? It’s not the best offer — it’s the easiest one.
When your term ends, most banks mail a renewal notice with a rate and a signature line. Sign, send it back, done. It feels simple. That simplicity is exactly the point — and it can cost you.
Here’s what that letter doesn’t tell you:
• The rate offered is rarely the lowest the bank could give
• You’re free to move your mortgage to a different lender at renewal, often with little hassle
• The weeks before renewal are when you have the most leverage — and most people let them slip by
Signing the letter without checking your options is the single most common way homeowners overpay.
Before you sign anything, let us run the numbers against 70+ lenders. If your current lender genuinely has the best deal, we’ll tell you. If they don’t, you’ll know exactly what you’re leaving on the table.
When does your mortgage renew? The earlier you look, the more we can do.
We’re here to teach, to educate, and to help you make the best decision for your situation.

NOTE: Update with current Bank of Canada rate context before posting.
Bank of Canada rate decision — here's the fuller picture.
Rate decisions don't happen in isolation. The BOC is weighing inflation trends, employment data, global trade conditions, and housing signals all at once. What's announced today reflects months of economic pressure — not just a number.
What this means for your situation:
Buying now: your qualification range may shift. Don't wait to understand how.
Renewing in 12 months: this is the moment to look at a rate hold. We can lock in for up to 120 days — often longer than your bank offers.
Holding a variable: the fixed/variable spread is worth reviewing. Whether converting makes sense depends on your term and amortization.
We won't predict where rates go next. What we will do is help you make the right decision for your file.
No pitch — just a straight answer. Drop a comment or send us a message.

Got a call from a realtor last week about a client who'd been turned down by two lenders.

Solid income. Real assets. A complicated story behind a credit situation that, explained properly, made sense.

We closed the file.

Here's why: our team has sat on the other side of that table. We know what underwriters look for. We know what lenders want to see and hear when a hard file comes across their desk.

Credit challenges. Complex income. Unconventional situations. We know how to work through it — because we've done it hundreds of times.

Complicated doesn't mean impossible. It means you need the right team.

Even banks refer clients to us — when they can't get it done, they send the file our way.

Real Strategy for Real Results.