Does Courteo display a renewal rate?

No. Only an AMF-licensed mortgage broker can review your file and present a rate. Posting a public rate without an analysis would amount to unlicensed brokerage.

Am I forced to switch lenders?

Not at all. The broker compares your current offer with the market and tells you straight up whether it's worth moving. Many renewals stay with the original lender, at negotiated conditions.

Does it cost anything?

No. A mortgage broker is typically paid by the lender, not by you. Courteo is paid by the broker for the introduction — the service is free to you.

Ideally 4 to 6 months before renewal. That gives time to compare, lock in a rate, and avoid a rushed decision. Later is possible; sooner is better.

Mortgage renewal

Renewal coming up? Before you resign, talk to a broker.

Your bank sends the renewal letter, posts a rate, and you click accept because it's quick. That click can cost you $15K to $60K over five years. An AMF-licensed broker shops the market in a few days and tells you straight whether it's worth moving — or staying put on negotiated terms.

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This page is for you if

Your mortgage is up for renewal within the next 12 months.
You'd like to know whether another lender offers better terms before resigning.
You want to understand the impact of a shorter term, a variable, or extended amortization.
You don't have time to shop around yourself.

How it works

Answer a few short questions
2 to 3 minutes. We never ask for a target rate, your SIN, or an exact credit score.
Brief qualification call
An agent from our partner calls to clarify your situation. The call is recorded (with notice), your data stays in Canada.
An AMF-licensed broker calls you back
A broker licensed by the Autorité des marchés financiers takes over. They're the one advising you — not Courteo.

Frequently asked questions

Does Courteo display a renewal rate?
No. Only an AMF-licensed mortgage broker can review your file and present a rate. Posting a public rate without an analysis would amount to unlicensed brokerage.
Am I forced to switch lenders?
Not at all. The broker compares your current offer with the market and tells you straight up whether it's worth moving. Many renewals stay with the original lender, at negotiated conditions.
Does it cost anything?
No. A mortgage broker is typically paid by the lender, not by you. Courteo is paid by the broker for the introduction — the service is free to you.
When should I start?
Ideally 4 to 6 months before renewal. That gives time to compare, lock in a rate, and avoid a rushed decision. Later is possible; sooner is better.

Why trust us

Your data is hosted in Quebec and Canada.
You can access, correct, or erase your information at any time (Quebec Law 25).
No marketing messages without your consent. We honour the national do-not-call list.

Start my request