Free 15 minute mortgage check-up
The rate your lender mails you is rarely the best one available. In 15 minutes we show you the gap, before it is locked in for five years.
Free. No obligation. Compare options from over 30 lenders before you say yes.
What renewing without a check-up can cost
Most homeowners sign what arrives. Here is what sits behind the paperwork.
About 12% of all Canadian mortgages are five-year fixed loans from the pandemic that renew over the next 12 months. Their payments rise about 15% on average.
Bank of Canada, Financial Stability Report 2026
The lowest five-year fixed rate was 1.39% in February 2021. Early this year it sat roughly 265 basis points higher, and Ratehub's October 15 listing is 4.34%.
Ratehub.ca, April 2026 and Oct 15, 2026
Offers can arrive up to three months before your date. Signing one can start the new rate immediately and end your cheaper payments early. Best rates are usually kept for new customers.
Ratehub.ca, "Renewing your mortgage in 2026"
See your renewal in numbers
Change the example to match your mortgage. The numbers update as you type.
What the check-up covers
A free credit review, with advice on how to qualify for better options.
Book a 15-minute call that suits you, or leave your number and we call you.
A no-cost home equity estimate, so you know what your home is worth today.
Your renewal date, your rate, your balance and what you want from the next term.
Mortgage options from over 30 lenders, side by side, before you say yes to anything.
You see the comparison. Staying with your lender is a fine answer when the numbers say so.
Why homeowners trust Nuborrow
Over 30 lenders4.8 on Google4.9 TrustpilotCanadian Owned and OperatedFSRA License #13115R LWe have used Nuborrow's services 3 years in a row now. Very pleased with the easy/ simple communication, anwserer questions and positive guidance provided throughout the entire process. Nuborrow is was very encouraging and thorough which we grately appreciated. We worked with Matthew over the past couple months in the renewal department. We felt he was very friendly, easy to understand/ get a long with and helpful. We are so thankful to Matthew that we were able to find a solution that met our needs/ and closed much earlier than expected. We now can breath and feel more relaxed. Thank you so much Matthew!
Anita Savard
I want to thank nuborrow for helping us. They save us from lossing are house last and this year for helping us remortgage are house with the bank we wanted. And we have extra money. Just thank you thank you for everything.
Pick a time that works. It takes 15 minutes, it costs nothing, and you leave knowing your numbers.
Prefer to talk now? Call 1 888 372 5588
No. The 15-minute check-up is free and there is no obligation to do anything afterwards.
No. Sometimes the best move is to stay with your lender. We show you the numbers and tell you plainly which option wins.
No. Lenders often send offers up to three months before your date, so checking early gives you time to compare before anything arrives.
Yes. The check-up includes a no-cost home equity estimate.
