Before your mortgage renews, know exactly how the new payment will affect the rest of your life.
In plain words: if your payment goes up, we work out what changes and what stays safe.
Mortgage Renewal Readiness: 60 minutes, $295 flat, by phone or video.
Renewing soon, and not sure what the new payment does to everything else.
- Your mortgage renews in the next 18 months
- You bought or refinanced in 2021–2023
- You’re not sure what to cut if the payment jumps
- You want a plan before you sign, not after
The Bank of Canada estimated that fixed-payment mortgages renewing over the next year face an average payment increase of about 15%.Financial Stability Report, May 2026
In plain words: for many people, the monthly mortgage payment goes up when it renews.
The rate is your lender’s conversation. What the payment does to everything else is this one.
In plain words: we see what a bigger payment means for your savings, your kids and your protection.
- Your payment scenarios: what the household looks like at a few realistic renewal rates and amortizations
- What to protect and what to trim: RRSP and RESP contributions, savings, debt payments, lifestyle
- Your emergency reserve: how much cash you should hold through the renewal and after
- Other debt: lines of credit and car loans, and whether to pay them down before or after renewal
- Mortgage protection: the lender’s mortgage insurance compared with coverage you own, for both of you
- The trap to avoid: solving the mortgage problem while creating a new one in your retirement or your children’s savings
If your renewal is less than 3 months away, book this one directly.
A plan before you sign.
- Your Renewal Game PlanOne page showing your monthly numbers before and after, and what changes
- The questions to ask your lender or mortgage agentBefore you sign
- A follow-up check-inAfter your renewal is done
One flat price. No surprises.
In plain words: you know the cost before you book, and you can cancel for a full refund.
$295Mortgage Renewal Readiness · 60 min · CAD, taxes included
Payment is taken when you book. After that:
- Cancel or reschedule any time before your session: full refund.
- Missed session, with a reason given within 24 hours: 85% refunded (15% fee).
- Missed session with no notice or reason: 50% refunded (50% fee).
Payment scenarios are illustrations, not rate quotes or guarantees. Strategies discussed may involve life insurance products.
I’m not a mortgage agent.
I’m not a mortgage agent, so I don’t arrange mortgages or quote rates. If you’d like a second opinion on the mortgage itself, I can introduce you to a licensed mortgage agent I work with.
Good. Bring their numbers.
I’ll show you what the new payment does to your savings, your protection and your plans.
Mortgage agents: here’s how introductions work, or book a Partnership Conversation.
Start with a free conversation.
The free 30-minute Clarity Session is the front door. If the Renewal Readiness Session is the right next step, I’ll tell you. Renewing in less than 3 months? Book it directly.
Free · 30 minutes · no obligation