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Beat your lender's offer
Lenders often offer higher rates at renewal, assuming you won't shop. We find you a better deal from our network of 50+ lenders.
Contact UsMortgage Renewal
Renew Your Mortgage
Don't just sign the renewal — shop it
- Compare against 50+ lenders
- Switch lenders with minimal hassle
Apply Now For Instant Approval
20+Years of Experience
50+Lender Partners
5K+Happy Clients
4.9★Client Rating
50+Lender Partners
Mortgage Renewal
Your renewal letter is a starting point — not the finish line
When your term ends, your lender will send a renewal offer. Accepting it without shopping around could cost you thousands. We compare the whole market to make sure your renewal is genuinely competitive and aligned with your current goals.
Renewal Benefits
Why shop your renewal
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Reassess your strategy
Renewal is the perfect time to switch between fixed and variable, adjust your amortization, or access equity.
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Easy lender switching
Moving to a new lender at renewal is simpler than most people expect — we handle the paperwork for you.
Apply OnlineSteps & Process
Renewal made simple
Start early — ideally 120 days before your maturity date.
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Review Your Offer
Send us your renewal letter and we will benchmark it against current market rates.
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Compare Options
We shop 50+ lenders to find better rates, terms, and features for your situation.
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Choose & Apply
Stay with your lender or switch — we manage the application and paperwork either way.
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New Term Starts
Your new mortgage begins seamlessly on your renewal date with better terms in place.
Mortgage Solutions
We Offer To You
Explore our full range of mortgage products and find the right fit.
Choose Your Service
Why You Should Choose AKAL Mortgages Inc.
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Borrowers
- When we say YES! We stand behind our promise
- Mortgage solutions based on your needs and qualifications
- Fast approvals and quick closings
- Save time and money
- Lower mortgage rates due to lender discounts and promotions
- Licensed, knowledgeable and experienced
- Protect your credit score
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Brokers
- The Most Important: Dedication to our agents!
- Bootcamp-3-days: Learn Lead Generation, Products and Underwriting
- Training: Weekly training and industry updates, One on one support
- Mentoring: Specialize in Residential, Business and Commercial
- Lead Generation: Proven successful campaigns to generate leads
- Personal website; mobile Apps; online virtual meetings, e-signatures
- Lenders: VIP access to more lenders and top tier compensation
- Professional office (at no cost to you): Meet your clients at the office
Our Valuable
Awards And Recognitions
AKAL Mortgages Inc. is honoured to showcase recent national awards, reaffirming our commitment to excellence in delivering innovative solutions for consumers and brokers.
Testimonials
Loved by thousands of clients
Bhavjeet at Akal Mortgages is the best mortgage agent, who truly goes above and beyond for his clients, with his expertise and deep knowledge. Always available on phone to answer all inquiries. Highly recommended.
HK
Harleen Kaur✓ Verified Client Review
★★★★★
“I had an excellent experience working with Bhavjeet at Akal Mortgages Inc. He took the time to truly understand my situa…”
MC
Michael Chen★★★★★
“Bhavjeet was very cooperative and knowledgeable in his field. Highly satisfied with the service provided by him and the …”
RP
Ravi Patel★★★★★
“Great service from Bhavjeet at Akal Mortgages — professional, responsive, and made the whole process smooth and stress-f…”
SM
Sofia Martinez★★★★★
“Bhavjeet from Akal Mortgages is definitely one of the most knowledgeable mortgage agents out there. He gave my family ge…”
GS
Gurpreet SinghFAQ
Frequently Asked Questions
Have questions about renew your mortgage? Our mortgage experts are ready to help with a free, no-obligation consultation.
Contact UsIdeally 120 days before your maturity date. This gives enough time to compare options and switch lenders if needed.
No. At renewal there are typically no prepayment penalties, making it the easiest time to switch lenders.
Sometimes, depending on the lender and how much equity you are accessing. We advise you upfront on any requirements.
Absolutely. Renewal is the ideal time to reassess your rate type and adjust to your current financial goals.
Ready to get started?Lock in your rate.
Lock in your rate.
Shop with confidence.
Free pre-approval in as little as 24 hours. No obligation, no hidden fees.