Mortgage · Renewal
Never get auto-renewed at the bank's posted rate again
Most people forget their renewal until the bank's letter arrives, and by then it's easy to just sign. We'll remind you early, when switching actually saves you money.
Why timing matters
The best time to act is months before, not the week of
Around 4 months (120 days) before maturity, most lenders let you lock a new rate with no penalty, so you're protected if rates rise and free to move if a better deal appears. Wait until the renewal letter and you lose that head start.
6 months out
A soft heads-up so renewal is on your radar.
4 months out
The key one, when you can lock a rate penalty-free.
3 · 2 · 1 months
Gentle nudges so you never get quietly auto-renewed.
Free renewal reminders