Renew, switch
or refinance?
Each path has different costs and trade-offs. We'll lay them side by side so you can choose with confidence.
Revisit the mortgage you have.
Review your current lender's offer alongside your goals for the next term. Compare features and costs, not just the rate.
Best when your current lender still fits your plans.Understand the full comparison.
Ask about the costs, eligibility requirements and steps involved in moving to another lender at renewal.
Best when another option better suits the next term.Consider the trade-offs.
Changing your mortgage can involve fees, prepayment charges and other conditions. Ask for a clear explanation before deciding.
Best when your goals have changed mid-term.Make your next term
a considered one.
The best renewals start early. Bring these four questions to your conversation and you'll know exactly what to compare.
Talk through my next step ↗See how a new term
could change your payment.
Set your remaining balance as the home price with 20%+ down, then compare rates and amortisation side by side.
Example: a $600,000 balance at 4.29% over 25 years is roughly $3,250 a month.
Renewal coming up?
Get your plan in 60 seconds.
Answer three quick questions and we'll point you to the right next step — renew, switch or refinance.
✓ Tailored to your timing
✓ No credit check, no commitment
Answer three quick questions about your goal, timing and needs — or book a conversation.