Don’t Just Accept Your Lender's First Renewal Rate.
Banks send renewal notices counting on you not to shop around. At Tribe Financial, our renewal specialists compare 50+ top Canadian lenders to shave thousands off your interest over your next term.
Lowest Rate Guarantee
Access wholesale broker rates
Up to 130-Day Rate Hold
Lock now, drop if rates fall
100% Free Service
No fees, zero obligation
"Our bank offered 4.79% on our 3-year fixed renewal. Tribe Financial locked us at 4.24% with zero transfer fees. Saved us about $140 every month — $5,040 over the full term!"
Sarah & Marcus M.
Renewed March 2026 • Toronto, ON
How Much Could You Save on Your Renewal?
Pick a Tribe Financial rate from today's table and compare it against your lender's renewal offer — instantly.
Lenders rely on customer complacency. We benchmark across 50+ lenders to secure wholesale rates.
Over your next 5-year mortgage term
Rates shown are illustrative and for informational purposes only, subject to credit approval, underwriting qualification, and applicable lender terms. Actual rates may vary based on loan-to-value, property type, and credit profile. O.A.C.
The Rules of Mortgage Renewal in Canada
What your current bank doesn't want you to know before signing that renewal slip.
Up to 130 Days in Advance
You can lock in a renewal rate up to 130 days prior to maturity with zero penalties or commitments. If rates climb, you keep the low rate. If they fall, we lower it.
Lenders Cover Transfer Costs
Worried about legal and appraisal costs to move? In standard straight switches, new lenders routinely cover appraisal and title transfer fees on your behalf.
No Stress Test On Straight Switch
Under OSFI rules, borrowers switching lenders on an unadjusted straight renewal/transfer are often exempt from re-qualifying under stringent stress tests.
Compare Today's Renewal Rates
Updated September 17, 2026 from top prime Canadian lenders, credit unions, and broker networks.
| Term | Tribe Financial Renewal Rate | Action |
|---|---|---|
| 3-Year Fixed Most Popular | 4.24% | Select → |
| 5-Year Fixed | 4.44% | Select → |
| 5-Year Variable | 3.50% (P-1.00%) | Select → |
| 2-Year Fixed | 4.14% | Select → |
Send Us Your Current Renewal Offer
Enter your renewal numbers. A licensed Tribe Financial broker will evaluate your situation, contact 50+ lenders, and provide you with a side-by-side comparison within 24 hours.
No Credit Check Required for Estimate
We review initial rate options without impacting your credit score.
We Handle the Paperwork
We coordinate with your new lender and lawyer to ensure a seamless rollover.
No Brokerage Fees on Prime Mortgages
Lenders pay our fee directly, so you pay $0 for professional advice.
Need Immediate Guidance?
Our renewal desk is available Monday–Saturday 8am to 8pm EST.
Frequently Asked Questions
Everything you need to know about switching or renewing with Tribe Financial.
When should I start looking into my mortgage renewal?
In today's volatile market, it wouldn't be a bad idea to start looking as early as 6 months before your renewal date. Starting early gives you the option to consider renewing ahead of schedule if rates keep climbing, while still guaranteeing you the lowest available rate by simply requesting a new rate hold if rates start to come down. It's a no-lose strategy—you're protected if rates rise, and you capture every drop if they fall.
Will it cost me anything to switch away from my current bank?
For standard switches where your mortgage balance and amortization stay the same, most receiving lenders cover basic legal and appraisal transfer fees. You typically pay $0 out of pocket.
Why shouldn't I just sign the renewal paper my bank sent me?
The renewal letter from your bank almost always quotes their standard posted rate or a modest discount—rarely their best market rate. According to FCAC research, 37% of homeowners choose their lender simply because they already bank there, and 20% never compare lenders at all. Shopping around with Tribe Financial ensures you don't leave thousands on the table.
Can I refinance or pull out equity at renewal?
Yes! Renewal is the ideal time to restructure your mortgage, consolidate higher-interest credit cards, or fund renovations because there are no early break penalties at maturity.