Your Renewal Advantage
Your Loyalty Should Be Rewarded, Not Penalized.
Your mortgage renewal is a critical moment. Your current lender will send you a renewal slip, often with a rate that's significantly higher than what's available on the market. They are banking on the convenience of a simple signature. Don't fall for it.
At Ingram Mortgage Team, we turn the tables. We take your renewal to the open market, forcing lenders to compete for your business. This ensures you get the sharpest rate and the best terms, not just what your bank feels like offering. We serve all of Surrey, Langley, and the Fraser Valley.
We Shop, You Save
We compare dozens of lenders, including major banks, credit unions, and broker-only specialists, to find the lowest rate.
Penalty-Free Refinancing
Renewal is the perfect time to access equity for renovations or debt consolidation without paying hefty penalties.
Expert Advice, No Cost
Our analysis and guidance are completely free. We're paid by the lender, so our only goal is to get you the best deal.
The 4-Step Renewal Process
A Seamless Switch to a Better Mortgage
We handle everything from start to finish. The process is simple, transparent, and designed to get you the best outcome with minimal effort on your part.
120 Days Out: Initial Review
Four months before your term ends, we connect to review your goals and lock in a best-in-market rate to protect you from rate increases.
Market Comparison
We submit your application to our network of 50+ lenders to create a bidding war for your mortgage, driving down your rate.
Present Top Options
We present you with the top 1-3 offers, clearly explaining the rates, terms, and potential savings over your bank's offer.
Finalize & Switch
Once you choose, we handle all the paperwork to seamlessly switch you to the new lender. You just sign and save.
Our Exclusive Promise
The UVRM Guarantee — Your Rate, Protected
Our service does not stop when your mortgage documents are signed. The Ingram Mortgage Team's Ultimate Variable Rate Mortgage (UVRM) Guarantee means we continue to actively manage your mortgage for as long as you are our client.
We Watch the Market for You
Whenever the Bank of Canada changes rates, we inform you immediately and advise whether it is a good time to lock in to a fixed rate.
Best Rate Lock-In Guarantee
A short description of this feature and why it matters to your customers.
Lifetime Mortgage Management
From your first home to your forever home, we are your mortgage partner — monitoring, advising, and optimizing your strategy at every stage.
Eligible Lenders: First National, Merix, Street Capital, Scotia, TD, Home Trust, EQ Bank, Canadiana Standard, CFF, ICICI, MCAP Standard, B2B, NBC, Coast Capital Savings, and more.
Broker Rate Lock-In Guarantee
When it is time to lock in your variable rate mortgage, we guarantee you will receive the lender's best available fixed rate — or we cover the cost to move you to a better option.
★★★★★
Jeff helped us with each of our last two mortgages. In each case he was proactive and went the extra mile to ensure that we found the mortgage that was right for us. Jeff’s creativity and ability to see the ‘big picture’ ensured that we got the best rate possible, even in difficult circumstances. We have been extremely happy with the Ingram Mortgage Team.
Matthew Kirk
Mortgage Renewal Client · Langley, BC · Google Review
Got Questions?
Mortgage Renewal FAQs
Should I just sign my bank's mortgage renewal offer?
You should never accept your bank's first offer without comparing it. Banks rely on the fact that most homeowners simply sign and send back the renewal form. We shop your mortgage to over 50 lenders, including credit unions and monolines, to ensure you get the best possible rate, often saving our clients thousands.
When should I start my mortgage renewal process?
You should start the mortgage renewal process 120 days (4 months) before your mortgage maturity date. This gives us ample time to secure a rate hold for you, shop the market, and complete the switch to a new lender if it makes sense, all without any rush.
Does it cost anything to switch lenders at renewal?
In most cases, we can switch your mortgage to a new lender with better terms for free. Many new lenders will cover the legal and appraisal fees associated with the switch. Our services as mortgage brokers are also free, as we are paid by the lender.
Can I refinance my mortgage at my renewal date?
Yes, your renewal date is the perfect time to refinance your mortgage without penalty. You can access your home's equity to consolidate debt, fund renovations, or make investments. We can structure this into your new mortgage term seamlessly.
Get a Better Rate. It's That Simple.
Your free rate review takes just a few minutes. Let us show you how much you could be saving on your Surrey or Langley mortgage renewal.
