Renewing your mortgage doesn’t have to feel overwhelming. A little preparation goes a long way — and having the right information ready helps us give you clearer advice, better options, and a smoother experience.
Here’s a simple checklist to help you prepare for your mortgage renewal review.
Your Current Mortgage Details
- Most recent mortgage statement (if available)
- Current interest rate and term length
- Renewal or maturity date
Renewal Offer (If You’ve Received One)
- Any renewal letters or emails from your lender
- Details on the rate, term, and payment being offered
(If you haven’t received this yet — no problem. Many lenders only send offers 4–6 months out.)
Updated Financial Snapshot
- Approximate household income
- Any changes to employment or self-employment status
- Current debts (credit cards, lines of credit, car loans, etc.)
Property & Plans
- Estimated home value
- Any upcoming plans (renovations, investment purchases, travel, family changes)
Your Renewal Strategy Call is designed to answer the real questions that matter most — so you can make decisions with clarity and confidence.
We’ll explore things like:
- Fixed vs. variable
- Term length options
- Payment flexibility
- Using equity strategically
- Improving monthly cash flow
- Paying down your mortgage sooner
You don’t need everything perfectly organized — this checklist is simply a guide. Our role is to help you make sense of the options and choose what aligns best with your goals today and into the future.
When you’re ready, book time with us and we’ll take it from there.
Your Loft Renewal Specialists
