Is your mortgage coming up for renewal? Variable rate mortgages have become increasingly popular in today's ultra sensitive interest rate environment. While it may be more confusing than ever to compare alternatives, in a recent survey of Canadian homeowners astonishingly over 65% of respondents said they simply signed there renewal agreement at whatever rate the bank quoted. That's precisely what your existing financial institution is counting on. Don't make this simple yet costly mistake.

Our speciality is shopping at all the financial institutions and then agressively negotiating the best rate on your behalf. Did you know that if you switch your mortgage at renewal time to a new Lender it won't cost you a dime! It's free. Call us . . . .we can help!

For the RENEWALS/SWITCHES of your existing home, most lending institutions require the following documentation, even if we are going to place your mortgage with your existing lender. To process your application as quickly as possible, please provide the following:

• Last pay stub, with year to date earnings if possible
• Last years Revenue Canada Tax Assessment
• Employment Letter
• Current mortgage statement; showing mortgage balance or mortgage renewal or payout statement
• Form B (registered one) - original mortgage documents
• Municipal Tax Notice and proof of payment
• Survey certificate (if applicable)
• Property Assessment (most recent)
• Proof of fire insurance
• Purpose of additional funds - if this is for a home improvement project, we will require a contractor's estimate.

Remember, our lenders require the above information as quickly as possible. This is to ensure that we obtain the best mortgage rates and terms for you.