Stress-Free Mortgage Renewal in Canada –Get Better Rates & Flexible Terms

Is your mortgage renewal approaching? Don’t settle for your lender’s first offer! At Genesis Group, we specialize in securing the best mortgage renewal rates in Canada, ensuring you benefit from lower payments, better terms, and tailored options that align with your financial goals. With our expert mortgage advisors by your side, renewing your mortgage is a seamless and stress-free process.

Mortgage Renewal Canada-The Genesis Group

Why Choose Genesis Group for Your Mortgage Renewal?

  • 🏡 Access to Over 65 Lenders: Compare rates across multiple lenders to find the best deal.
  • 💰 Lower Monthly Payments: Take advantage of competitive rates to reduce your monthly expenses.
  • 📈 Customized Solutions: Tailored mortgage renewal strategies that fit your financial goals.
  • 🏆 Award-Winning Service: Trusted by thousands of Canadians for exceptional service and expertise.
  • 📋 No Obligation Consultation: Get expert advice without any pressure or commitment.

For insights on mortgage renewal options, visit the Canada Mortgage and Housing Corporation (CMHC) website.

The Mortgage Renewal Process (Step-by-Step Guide)

  • Review Your Current Mortgage: Analyze your current interest rate and terms.
  • Explore New Options: Compare offers from different lenders for the best rates.
  • Consult with an Expert: Get tailored recommendations from Genesis Group.
  • Secure the Best Deal: Finalize your renewal with confidence and ease.
Mortgage Renewal Canada-The Genesis Group
Getting the right mortgage rate gif-The Genesis Group

5 Year - Fixed Term from

0 %

Get Started Now and Save Thousands!

No cost, no obligation—just your best rate in minutes.

At Genesis, we’re dedicated to securing the lowest rate possible for you. Your personalized rate depends on factors like credit score and home equity, in line with Canadian regulations. Get your tailored details quickly—with zero cost, zero obligation, and total peace of mind.

Term
Rates From
Payments as low as
1 Year Fixed
5.79%
$3,157/mo
2 Year Fixed
4.84%
$2,876/mo
3 Year Fixed
4.39%
$2,748/mo
4 Year Fixed
4.59%
$2,804/mo
5 Year Open
4.95%
$2,908/mo
5 Year Variable
4.45%
$2,736/mo
Illustration purposes only. Use our Genesis Mortgage Calculator for a more detailed look.

Common Mortgage Renewal Mistakes to Avoid

Avoid costly mistakes by being informed and proactive in your renewal process. Some key pitfalls include:

  • Automatically accepting your lender’s first offer.
  • Not considering refinancing options for better savings.
  • Ignoring changes in your financial goals and needs.
Mortgage Renewal Canada-The Genesis Group

Discover the Key Benefits of Choosing Mortgage Renewal
with Genesis Group.

⭐⭐⭐⭐⭐ Experience Guaranteed

  • Kirk is a class act! He helped me with my first home property mortgage and couldn’t have asked for a more professional person to deal with. Him and his team... read more

    Lui Vescio Jr. Avatar Lui Vescio Jr.
    12/13/2024

    My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more

    Laura Vescio Avatar Laura Vescio
    11/13/2024

    From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more

    Rohan Germain Avatar Rohan Germain
    01/13/2024
  • Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs

    Mark Winter Avatar Mark Winter
    11/13/2024

    The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more

    S T Avatar S T
    01/13/2023

    If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more

    Samantha L Avatar Samantha L
    09/13/2024
  • Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more

    Maria Woychyshyn Avatar Maria Woychyshyn
    11/13/2024

    As a first-time homebuyer, navigating the mortgage process can be incredibly daunting, but The Genesis Group made it not only manageable but truly rewarding. I had the distinct pleasure of... read more

    Rohan Spence Avatar Rohan Spence
    05/13/2024

    Was a great experience working with Kirk and his team. They not only helped me refinance my mortgage on my house, they also assisted me in a commercial business acquisition.... read more

    Sean P. Avatar Sean P.
    02/21/2024
4.6
Based on 35 reviews
powered by Google

Gain access to our vast network of 65+ lenders offering tailored residential mortgages to suit your financial needs.

🚀 Don’t Wait – Get a Better Mortgage Renewal Today!
Book a free consultation with our mortgage experts to discuss your options and lock in the lowest rates.

Frequently Asked Questions

When should I start the mortgage renewal process?

It’s best to start looking into renewal options 4 to 6 months before your term ends to secure better rates.

Yes, you have the freedom to shop around and switch lenders to get better terms and lower rates.

If your financial goals have changed, refinancing may be a better option. Our experts can help assess your situation.

Some lenders may have penalties for early termination, but they can often be offset by lower rates from a new lender.

Typically, you’ll need your current mortgage details, proof of income, and recent financial statements.

Scroll to Top

🛑 Before You Go – Get Exclusive Mortgage Rates!

💡 Canada’s Lowest Mortgage Rates Are Just a Click Away!
🔹 Get exclusive lender discounts & special promotions
🔹 Free mortgage rate updates to stay ahead
🔹 Access expert mortgage insights before making a big decision

📩 Enter your email to unlock the best mortgage rates:

📌 No spam, just real savings. Unsubscribe anytime

5 Year - Variable

4.45%

This exclusive rate is available for High Ratio Mortgages and applies to both new purchases and some mortgage switches. With a guaranteed rate of Prime -1.00%, you’ll enjoy the freedom to make extra payments or increase your monthly payments by up to 20% per year.

And the best part? This is a full-frills mortgage—no hidden surprises or restrictive clauses like a bona fide sales clause!

Prime Rate @ 5.45%

4.45% - 5.50%

If you don’t qualify for our lowest advertised rate, don’t worry! We have other competitive options tailored to your needs. Factors such as your credit score and home equity will determine your final rate.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Open

4.95%

Enjoy a rate discount starting from Prime -0.50% for your term. This 5-year Adjustable Rate Mortgage (ARM) offers unmatched flexibility: pay it, lock it, break it, or change it—with no restrictions or penalties.

Perfect for insured, insurable, and uninsured new purchases and switches, this option is available for owner-occupied properties only.

Prime Rate @ 5.45%

4.95% - 6.75%

If you don’t qualify for our lowest advertised rate, don’t worry—there are still excellent low-rate options for you! Your final rate depends on factors such as your credit rating and home equity.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Fixed

4.24%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.24% - 5.69%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

4 Year - Fixed

4.59%

Take advantage of this competitive rate available for High Ratio purchases and select Insured transfers! Enjoy the flexibility of making up to 20% lump sum payments annually and increasing your regular payments by up to 20%. This is a full-featured mortgage designed to give you the freedom and flexibility you need. 

4.59% - 6.84%

If you don’t qualify for our lowest advertised rate, don’t worry—we’ve got a variety of low-rate options to fit your needs. The rates shown above reflect realistic scenarios and are influenced by factors like credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

3 Year - Fixed

4.39%

Take advantage of this fantastic rate available exclusively for High Ratio deals! With the flexibility to make up to 15% lump sum payments annually and the option to increase your regular payments by up to 15%, this is a full-featured mortgage that adapts to your needs. Lock in this rate for up to 120 days and plan your homeownership journey with confidence.

4.39% - 5.79%

Don’t worry if you don’t qualify for our lowest advertised rate—we’ve got you covered with a range of low-rate options tailored to fit your unique circumstances. The rates above reflect realistic scenarios based on factors such as credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

2 Year - Fixed

4.84%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.84% - 6.19%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

1 Year - Fixed

5.49%

Unlock this exclusive low rate for High Ratio purchases and Switches. Enjoy up to 20% lump sum payments annually and the flexibility to increase your payments by 20%! Plus, lock in this fully-loaded mortgage rate for up to 120 days—no hidden restrictions, just exceptional value.

5.49% - 6.99%

Even if you don’t qualify for our lowest rate, we’ve got plenty of low-rate options tailored to fit your unique situation. Your final rate depends on factors like your home equity and credit score, but with Genesis, you’ll always get the best-possible rate for your needs.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Request Your Free Consultation

Need Financing? Let’s Get Started!