For years, we were told that getting out of our current B-lender situation would be impossible - that we were essentially “stuck” with no path forward. Alex proved that wrong. His expertise and commitment led us to something we honestly didn’t believe was possible: securing a mortgage with a top lender.
Renewing in the GTA? Get a better quote before you sign the bank’s first offer.
You work with Alex - one person. He compares what your bank offered with what other lenders will do, including the real cost to stay or switch, before your deadline.
How Alex helps
- Start up to 120 days before maturity
- Competing quote to negotiate or switch
- Switch-cost honesty (legal, discharge, appraisal)
- Form does not pull your credit
Compare your renewal with Alex
One person. About 2 minutes. No obligation.
- Licensed
- No credit pull
- 4.980 reviews
Safe and secure
Alex SeleznevMortgage Agent Level 2
Renewal help
What you can do before maturity.
- Compare offers
- Negotiate stay
- Switch lenders
- Early renewal
- Refinance
- Payment planning
Google reviews
What clients say about Alex.
4.9 80 reviews
How it works
Negotiate first. Switch only if the math wins.
Share your letter or maturity date
Balance, rate type, and when the term ends.
Get a market compare
Written options to stay, negotiate, or switch - with fee drag called out.
Decide with leverage
Use the quote at your bank, or move if the total cost is better.
Who it’s for
Ontario homeowners facing a renewal decision.
- Letter in handDo not sign the first offer without a compare.
- Payment shock2021–22 cohorts renewing higher - term and amortization choices matter.
- Thinking of switchingCollateral charges and legal fees can erase a tiny rate win - we math it first.
- Income changedSelf-employed or bruised files may need an alternate path, not a blind renew.
Questions
A few questions, answered.
Should I renew with my bank or switch?
Stay if your bank matches a competitive offer after you shop. Switch if the total savings beat discharge, legal, and appraisal costs. Alex runs that compare.
When should I start?
About 120 days before maturity is ideal. Federally regulated lenders must send a renewal statement at least 21 days out - that is a minimum, not a reason to wait.
Can I renew early?
Sometimes. Early renewal or refinance can involve a penalty. Ask before you break a term.
Will this form affect my credit score?
No. The form does not pull credit. A lender pull happens later, only if you agree to an application.