The countdown to your mortgage renewal begins approximately 120 days (4 months) before the conclusion of your current mortgage term. This period is crucial for exploring your options, so don't finalize any agreements without consulting us. Many homeowners stick with their current mortgage lender, assuming it's more convenient or that their existing bank offers the best deal available. But what if there's a better option? Take the opportunity to let us search for you before committing to another term. You might save thousands or find a more suitable mortgage product if your requirements have evolved.