At The Calum Ross Team, we keep our clients informed as to when your mortgage is coming up for renewal.  As the time approaches, there are several things to keep in mind in order to make the transition as smooth as possible: whether you return to the same lender, or put your mortgage on the open market for other lenders to compete for it.

We believe that going in prepared and informed will not only make sure the process goes as smoothly as possible, but will enable you can take advantage of any potential "upsides" that might have come available in the market-place since you last secured a mortgage.  

The following set of links will take you to different areas in CalumRoss.com that relate to switches and renewals. They are worth taking a look at before you need to refinance or switch.

For a summary about renewing and switching, click here.

For a list of the documents that you will need to assemble, click here.

For a list of different mortgage products you may want to consider, click here.

If you are not currently a client and are up for renewal at another instution but would like to see what else you can get, please click on "Apply Online" from the menu at the left to complete a no-obligation mortgage application.

If you have any questions, please do not hesitate to contact us!

The Calum Ross Team