How BeforeYouRenew.ca works
We help Ontario homeowners find better mortgage renewal rates by matching them with one licensed broker who shops 30+ lenders. Here's exactly how the process works.
Answer a few quick questions
Our short quiz asks about your renewal timing, approximate balance, location in Ontario, and employment type. This takes under 2 minutes and helps us understand your situation.
There's no credit check, no commitment, and no sensitive financial data collected at this stage.
Get matched with one vetted broker
Based on your answers, we match you with a single licensed Ontario mortgage broker. This is not a lead auction. Your information goes to one broker, not a dozen.
The broker is licensed and regulated by FSRA (Financial Services Regulatory Authority of Ontario). They serve all of Ontario through a digital-first process. Meetings, applications, and signing happen online or by phone.
Your broker shops 30+ lenders
Your matched broker accesses wholesale and volume rates from 30+ lenders: banks, credit unions, monoline lenders, and alternative lenders. They prepare a personalized rate comparison and walk you through your options.
The broker is paid by the lender when your mortgage funds, not by you. There is no cost to you for this service, and no obligation to proceed.
What to expect after you submit
- Immediately: You'll see a personalized summary of your renewal situation on screen.
- Within minutes: Your free mortgage renewal guide arrives by email.
- Within 1 business day: Your matched broker reaches out by email or phone to introduce themselves and schedule a rate comparison.
Your privacy is protected
Your information goes to one matched licensed mortgage broker who will prepare your comparison. We don't add you to marketing lists, sell to data brokers, or share with third parties.
Read our full privacy policy.
BeforeYouRenew.ca is a lead-generation and referral service, not a licensed mortgage brokerage or lender. A licensed Ontario mortgage broker, regulated by FSRA, provides all advice and personalized quotes. Figures shown are indicative and for general information only, subject to qualification and lender approval, OAC.