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Free · takes 30 seconds

Mortgage Renewal Reminder for Waterloo Region Homeowners

Tell me when your term ends. About four months before, I'll get in touch so we can compare your bank's renewal offer against dozens of other lenders, while there's still time to switch with no penalty.

Set my reminder Call (226) 791-1576

Dozensof lenders compared, not one bank

1–3 daysbusiness days, typical pre-approval turnaround

3languages: English, Farsi, Dari

7 daysopen a week, 9am–5pm

$0for advice, no credit check to start

One reminder, from me personally. No drip campaign.
Rates can be held up to 120 days, so four months out is when comparing actually pays.
No credit check, no cost, and nothing you're locked into.

Renewing sooner than that? Call (226) 791-1576 and we'll start today.

When does your mortgage renew?

Check your latest mortgage statement, or your bank's app under 'maturity date'.

Month

Year

First name

Phone or email, whichever you'd like the reminder on. One is enough.

Phone

Current lender (optional)

Yes, remind me about my renewal. Melod Nawabi, Mortgage Agent (Level 1) with Pineapple Financial Inc., may text or email me about my mortgage renewal at the contact I've given. Withdraw any time by replying STOP or emailing melodnawabi@gopineapple.com. Mailing address: 200-111 Gordon Baker Road, North York, ON M2H 3R1. Optional: also send me occasional rate updates and mortgage tips by text or email. Same sender, mailing address and STOP or email withdrawal as the box above. Leave it unticked and you'll still get your reminder.

No credit check. Your details are never sold or shared.

Why four months before?

Most lenders will hold a rate for up to 120 days. Start then and you lock in today's rate as a floor: if rates fall before your term ends, you take the lower one; if they rise, you're protected. Your bank's own renewal letter usually arrives with about three weeks to go, which is not enough time to shop properly.

What happens when I get in touch

One call or message. You tell me your balance and what your bank has offered, if anything. I compare it across dozens of lenders and show you the options side by side in plain language. If your bank's offer is genuinely the best, I'll tell you to take it.

Switching is free at renewal

Renewal is the one point in your term when you can move to another lender with no prepayment penalty, and most lenders cover the legal and appraisal costs of a straight switch. It's the cheapest moment you'll ever have to fix a mortgage that no longer fits.

Common questions

Will I get marketing messages?

Not unless you tick the optional box. The reminder itself is a single message about your renewal date, then a follow-up if you'd like to go ahead.

I only know the year, not the month.

Pick your best guess. When I reach out I'll confirm the exact date from your statement before anything moves.

Does this cost anything?

No. For a standard residential renewal or switch the lender pays the agent once the mortgage closes. If a file ever needs a specialty lender, any fee is disclosed up front.

What if I renew before the reminder?

Reply STOP to any message or email me and I'll remove the reminder. Nothing else happens.

Renewing in the next four months?

Skip the reminder and let's compare your offer this week.

Call (226) 791-1576 See renewal options