Hey, it's Adonis.
4+ Years Licensed · $50M+ Funded
Here's the thing about the renewal letter your lender is going to mail you: it's designed to be signed. One page, one rate, one signature line. Most people sign it within days of it landing and never call anyone else. Lenders know that. It's exactly what the letter is built for.
So know this before it shows up in your mailbox: the rate on that letter is almost never the best rate you can get. It's the rate they send to people who don't ask twice.
And here's the part that works in your favour. Renewal is the one moment in your mortgage when you hold all the cards. You can walk to any lender in Canada with zero penalty, and your current lender knows it. Most people just don't use that leverage, because nobody ever told them they had it.
I'm a mortgage broker here in Edmonton. I work with 40+ lenders, and on most residential renewals the lender pays my fee, not you. So my job costs you nothing and it exists for exactly this moment. Two ways to use it below.
You already own this. Let's make sure you're not overpaying to keep it.
"It has been a pleasure dealing with Adonis. He got us a great rate on our renewal. Better than the bank!"
"We had an amazing experience working with Adonis Dhuper. From the very beginning, he was professional, knowledgeable, and incredibly helpful. He took the time to explain everything in detail and made sure we fully understood every step."
"I reached out to Adonis when I was in a very stressful situation. He immediately helped me. I'd highly recommend him to anyone looking at obtaining a mortgage."
The exact checks I walk my own clients through before they sign anything. Takes about 20 minutes. Instant download, nothing to wait for.
Get My Free ChecklistSend me your renewal letter (or just your lender, balance, and renewal date) and I'll tell you within one business day: sign it, or shop it.
Book My Free Renewal ReviewHere's my guarantee: no cost, no obligation, no pressure. If your lender's offer turns out to be a good one, I'll be the first to tell you to sign it. That's the whole point of talking to someone whose job is options, not just one bank's number.
What happens if you just let the letter sit. On a $400,000 balance, a 0.25% rate difference works out to about $1,000 a year, roughly $5,000 over a 5-year term. And if you do nothing at all, many lenders auto-renew you into a short term at a much higher rate than they'd ever mail you upfront. Doing nothing is the most expensive option on this entire list, and it's also the one most people accidentally pick.
P.S. If you skimmed straight to the bottom (most people do), here's the short version: your renewal letter is designed to get signed fast, and the rate on it is rarely the best you can get. Grab the free 14-point checklist, or skip straight to sending me your letter for a straight answer in one business day. Both are free, both take a few minutes, and neither one costs you anything to find out.