{"id":3749,"date":"2023-12-13T12:51:09","date_gmt":"2023-12-13T12:51:09","guid":{"rendered":"https:\/\/josiane.aponiawebsolutions.ca\/services\/renewal\/"},"modified":"2024-01-17T14:43:45","modified_gmt":"2024-01-17T14:43:45","slug":"renewal","status":"publish","type":"page","link":"https:\/\/jduchesneau.ca\/en\/services\/renewal\/","title":{"rendered":"Renewal"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3749\" class=\"elementor elementor-3749 elementor-3203\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1e52f e-flex e-con-boxed e-con e-parent\" data-id=\"2f1e52f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-68dd116 e-con-full e-flex e-con e-child\" data-id=\"68dd116\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a6f0899 elementor-widget elementor-widget-heading\" data-id=\"a6f0899\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Mortgage renewals and transfers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e8e670 elementor-widget elementor-widget-text-editor\" data-id=\"0e8e670\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There&#8217;s no need to stay with your current lender. We can help you evaluate offers to ensure you get the best rate and term.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8dac615 e-flex e-con-boxed e-con e-parent\" data-id=\"8dac615\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-19d48ea e-con-full e-flex e-con e-child\" data-id=\"19d48ea\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a33d68 elementor-widget elementor-widget-heading\" data-id=\"0a33d68\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get off to a good start<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-609aec5 elementor-widget elementor-widget-text-editor\" data-id=\"609aec5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When the time comes to renew, make sure you get the best possible rate. We&#8217;re here to guide you.<\/p>\n<p>Renewal is the ideal opportunity to assess your needs and adjust your mortgage accordingly.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b31ab2c e-grid e-con-full e-con e-child\" data-id=\"b31ab2c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddb50eb elementor-widget elementor-widget-image\" data-id=\"ddb50eb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"422\" src=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/11\/subtract-2.jpg\" class=\"attachment-large size-large wp-image-3540\" alt=\"\" srcset=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/11\/subtract-2.jpg 640w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/11\/subtract-2-300x198.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f697670 elementor-widget elementor-widget-image\" data-id=\"f697670\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/image-683x1024.jpg\" class=\"attachment-large size-large wp-image-3324\" alt=\"\" srcset=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/image-683x1024.jpg 683w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/image-200x300.jpg 200w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/image-768x1152.jpg 768w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/image-1024x1536.jpg 1024w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/image-1365x2048.jpg 1365w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/image-scaled.jpg 1707w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d5cd11 elementor-widget elementor-widget-image\" data-id=\"5d5cd11\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/renouvellement-1024x683.jpeg\" class=\"attachment-large size-large wp-image-3434\" alt=\"\" srcset=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/renouvellement-1024x683.jpeg 1024w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/renouvellement-300x200.jpeg 300w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/renouvellement-768x512.jpeg 768w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/renouvellement-1536x1024.jpeg 1536w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/renouvellement.jpeg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78a85b3 elementor-widget elementor-widget-image\" data-id=\"78a85b3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"527\" src=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/refinancement-1024x675.jpeg\" class=\"attachment-large size-large wp-image-3416\" alt=\"\" srcset=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/refinancement-1024x675.jpeg 1024w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/refinancement-300x198.jpeg 300w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/refinancement-768x506.jpeg 768w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/refinancement-1536x1012.jpeg 1536w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/refinancement.jpeg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ea6677 elementor-widget elementor-widget-image\" data-id=\"0ea6677\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/D3498129-11D3-448E-ABEA-293AA71B58F0-1-683x1024.jpeg\" class=\"attachment-large size-large wp-image-3325\" alt=\"\" srcset=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/D3498129-11D3-448E-ABEA-293AA71B58F0-1-683x1024.jpeg 683w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/D3498129-11D3-448E-ABEA-293AA71B58F0-1-200x300.jpeg 200w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/D3498129-11D3-448E-ABEA-293AA71B58F0-1-768x1152.jpeg 768w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/D3498129-11D3-448E-ABEA-293AA71B58F0-1-1024x1536.jpeg 1024w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/D3498129-11D3-448E-ABEA-293AA71B58F0-1-1365x2048.jpeg 1365w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/D3498129-11D3-448E-ABEA-293AA71B58F0-1-scaled.jpeg 1707w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab79e94 elementor-widget elementor-widget-image\" data-id=\"ab79e94\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/achat-1024x683.jpeg\" class=\"attachment-large size-large wp-image-3412\" alt=\"\" srcset=\"https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/achat-1024x683.jpeg 1024w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/achat-300x200.jpeg 300w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/achat-768x512.jpeg 768w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/achat-1536x1024.jpeg 1536w, https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/10\/achat.jpeg 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c73db55 e-flex e-con-boxed e-con e-parent\" data-id=\"c73db55\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1ce37e8 e-flex e-con-boxed e-con e-child\" data-id=\"1ce37e8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a5c2b0 e-con-full e-flex e-con e-child\" data-id=\"7a5c2b0\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-906f70d e-con-full e-flex e-con e-child\" data-id=\"906f70d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb02a25 elementor-widget elementor-widget-heading\" data-id=\"cb02a25\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span>Reassess<\/span> to get the most out of it<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a2eb5b elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"0a2eb5b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Focus on the future<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e604733 elementor-widget elementor-widget-text-editor\" data-id=\"e604733\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When renewing, consider, among other things, whether a fixed or variable rate is better suited to your current situation.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-918c2c9 elementor-align-justify elementor-tablet-align-left elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-button\" data-id=\"918c2c9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jduchesneau.ca\/en\/contact-me\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Start now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3707d7e elementor-align-justify elementor-tablet-align-left elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-button\" data-id=\"3707d7e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#faq\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FAQ<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9d1f3c e-flex e-con-boxed e-con e-parent\" data-id=\"b9d1f3c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb3e968 elementor-cta--skin-cover elementor-cta--valign-middle elementor-widget elementor-widget-call-to-action\" data-id=\"cb3e968\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/jduchesneau.ca\/wp-content\/uploads\/2023\/08\/cta-bg-1.png);\" role=\"img\" aria-label=\"cta-bg-1\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tIs your mortgage about to expire?\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-sm\" href=\"https:\/\/jduchesneau.ca\/en\/quick-contact\/\">\n\t\t\t\t\t\tContact us\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72052be e-flex e-con-boxed e-con e-parent\" data-id=\"72052be\" data-element_type=\"container\" id=\"faq\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fed197 elementor-widget elementor-widget-heading\" data-id=\"6fed197\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7898e9c elementor-widget elementor-widget-heading\" data-id=\"7898e9c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27e97a0 elementor-widget elementor-widget-n-accordion\" data-id=\"27e97a0\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4180\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4180\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Should I stay with my current lender? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4180\" class=\"elementor-element elementor-element-34146ac e-con-full e-flex e-con e-child\" data-id=\"34146ac\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c84389b elementor-widget elementor-widget-text-editor\" data-id=\"c84389b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not necessarily. Evaluate offers to ensure you get the best rate and the best terms.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4181\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4181\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How can I avoid renewal penalties? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4181\" class=\"elementor-element elementor-element-d03ef65 e-con-full e-flex e-con e-child\" data-id=\"d03ef65\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2232fd elementor-widget elementor-widget-text-editor\" data-id=\"f2232fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Renew your mortgage when it expires to avoid prepayment penalties.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-4182\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-4182\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> When should I start thinking about renewal? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-arrow-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-4182\" class=\"elementor-element elementor-element-c21a75c e-con-full e-flex e-con e-child\" data-id=\"c21a75c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c52fa3e elementor-widget elementor-widget-text-editor\" data-id=\"c52fa3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We recommend you start looking at options 3 to 6 months before the expiry date.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-736d84d e-flex e-con-boxed e-con e-parent\" data-id=\"736d84d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fc96b92 e-flex e-con-boxed e-con e-child\" data-id=\"fc96b92\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2994374 e-con-full e-flex e-con e-child\" data-id=\"2994374\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59783b1 e-con-full e-flex e-con e-child\" data-id=\"59783b1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15742cc elementor-widget elementor-widget-heading\" data-id=\"15742cc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">For all requests related to mortgage renewals<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf9476 elementor-widget elementor-widget-text-editor\" data-id=\"fdf9476\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Complete this form to discuss your renewal options. 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We can help you evaluate offers to ensure you get the best rate and term. Get off to a good start When the time comes to renew, make sure you get the best possible rate. We&#8217;re here to guide you. 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