FSRA #13717 DOMINION LENDING CENTRES A.I.M.I. COLLECTIVE MORTGAGE GROUP
OVER 1 MILLION CANADIAN MORTGAGES ARE RENEWING IN THE NEXT TWO YEARS
Mortgage Renewal Coming Up? Compare Your Options First
Most Canadians accept their bank’s renewal offer without comparing rates. See if you could save before you sign.
Mortgage Renewal Calculator
Estimate your new mortgage payment and explore your renewal options before accepting your bank’s offer. Our RenewalIQ tool helps Ontario homeowners compare scenarios and plan their next step.
Current Mortgage Rates
Rates vary by borrower profile and lender. Compare options from multiple lenders before renewing.
Example Rates:
3 Yr Fixed From 3.92%
5 Yr Fixed From 3.89%
5 Yr Variable From 3.65%
Before You Renew Your Mortgage
Over 60% of Canadian mortgages are renewing between 2025 and 2026. Many homeowners accept their bank’s offer without comparing options. A mortgage broker can often find better rates or restructure your mortgage to reduce payments.
Trusted by Ontario Homeowners
See what clients say about working with Valko Financial.
I have been working with Tracy Valko and team for almost 2 decades. They are very knowledgeable, proficient and caring. I would highly recommend them to anyone who needs to finance a mortgage.
Read more
Xe Xiong
7 days ago
Narayanlal Shera
9 days ago
This is the 3rd Time I have used Tracy's centre for renegotiating my mortgage. Again from the first phone call Tracy made me feel comfortable and confident that they could help with this particular situation. I was connected to Cindy who made what could have been a stressful situation stress free. She was excellent at communicating where we were at in the process and answering my many questions. Everything was taken care of in a matter of a few weeks. Each time, I have worked with a different member of the team and they have all been fantastic. I would definitely recommend this team to assist you. Susan
Read more
Sue Grande
21 days ago
Attention to detail. Honest and worked well to find solutions to any barriers encountered.
Read more
Casandra Di Benedetto
1 month ago
I am very pleased with my experience in working with the Tracy Valco team. They were very knowledgeable and friendly throughout the whole process.
Read more
Todd Sutherland
1 month ago
Thomas Slansieu
1 month ago
Let us help you renew with a strategy, not just a rate.
If your mortgage renewal is coming up in the next 6 to 12 months, now is the time to review your options. Many homeowners accept their bank’s renewal offer without comparing rates. Exploring other lenders could help you secure a better rate or lower your monthly payment before you sign.