Refinancing & Renewals — Lauren Matlo Mortgages
Lauren Matlo
Renewals & Refinancing
Refinancing & Renewals · Calgary, Alberta

Your bank sent you a renewal. Don't sign it yet. You're probably leaving money on the table.

Your mortgage renewal is one of the most important financial decisions you make — and most Canadians hand it back to their bank without question. Lauren will show you what you're actually entitled to.

Free renewal review — no obligation
Access to dozens of lenders beyond your bank
Refinancing to unlock equity or restructure debt
Start Your Application
Tell Lauren about your situation.
Free · Confidential · No obligation. Lauren responds within one business day.
Your bank is counting on you not to shop around.

Most homeowners leave thousands on the table every single renewal.

Your bank sends you a renewal offer 90 days before your term ends. It looks official. It feels like a formality. And so most people sign it and move on — never knowing that the rate they just accepted was almost certainly not the best available rate in the market.

That gap between what your bank offers and what you could get elsewhere is exactly where Lauren works. She reviews your renewal offer, shops it across her full lender network, and negotiates on your behalf — often finding significantly better terms without you having to do anything except make one phone call.

"Your renewal is not a formality. It's an opportunity. Don't hand it back without looking at it."
01
Your bank's renewal offer is rarely their best rate.
Banks rely on inertia. Most clients renew without shopping, so there's no incentive to lead with their best number. Lauren knows what rates are actually available in the market — and she'll get them for you.
02
Refinancing can do more than you think.
Beyond just getting a better rate, refinancing can unlock equity you've built, consolidate high-interest debt into your mortgage, fund a renovation, or restructure your payments to free up monthly cash flow. It's a financial tool — Lauren helps you use it strategically.
03
Switching lenders at renewal costs nothing.
There is no penalty for switching lenders at the end of your term. This is the moment you have maximum leverage — and most people don't use it. Lauren uses it on your behalf every single time.
04
Timing matters more than most people realise.
The right time to start your renewal review is 90–120 days before your term ends. That window gives Lauren time to properly shop the market, lock in a rate hold, and negotiate the best possible terms before your current mortgage expires.
The Numbers Are Real

The difference between your bank's offer and Lauren's best rate compounds over your entire term.

Even a 0.25% difference in rate on a $500,000 mortgage saves thousands of dollars over a five-year term. Most people spend more time choosing a dishwasher than they spend on their mortgage renewal. Lauren makes sure the time you don't spend on it still results in the best possible outcome.

Beyond the rate, Lauren reviews the full terms — prepayment privileges, portability, penalty structure, and whether your current lender's product still fits how you live. Sometimes the best move is to stay. Sometimes it isn't. Lauren will tell you the truth either way.

"Before you sign that renewal, let me show you what else is available. It takes one conversation."
80%
Of Canadian homeowners renew with their existing lender without shopping. Most of them could have done better.
50+
Lenders in Lauren's network who compete for your renewal. Your bank has one product. Lauren has the whole market.
$0
Penalty for switching lenders at renewal. This is the one moment you can move freely — and Lauren makes sure you take full advantage of it.
The Process

No mystery. Here's exactly what happens when you work with Lauren.

01
You send Lauren your renewal offer.
Share what your bank sent you — or just reach out 90–120 days before your term ends. Lauren will review your current terms and tell you immediately what she can do better.
02
Lauren shops the market.
She takes your file to her full lender network — banks, credit unions, monolines — and finds the best available rate and terms for your situation. Not just the lowest rate, but the right product.
03
You see your options clearly.
Lauren presents what she found — what each option means for your payments, your flexibility, and your long-term financial position. You make an informed decision, not a default one.
04
Lauren handles everything.
From paperwork to lender communication to final funding — Lauren manages the entire switch or renewal so you don't have to. You just sign the right mortgage, not the first one you were sent.
Homeowners Who Stopped Auto-Renewing.

Clients who let Lauren review their renewal — and were glad they did.

"

I had been auto-renewing with my bank for twelve years. Lauren reviewed my renewal offer and came back with a rate that was significantly lower with a lender I'd never heard of. The whole process took less than a week.

Renewal client, Calgary
"

I used a refinance to consolidate some credit card debt into my mortgage. Lauren walked me through exactly what made sense, what it would cost, and what I'd save. The math was obvious once she laid it out. I don't know why I waited so long.

Refinancing client, Alberta
"

Lauren told me upfront that my bank's offer was actually competitive and she couldn't beat it by much. She still found a slightly better option, but I appreciated that she was honest rather than just telling me what I wanted to hear. That's rare.

Renewal client, Calgary
Your Renewal Is Coming.

Don't sign anything until you've talked to Lauren.

Send Lauren your renewal offer or reach out 90–120 days before your term ends. She'll review it, shop it, and show you what you could actually be paying. It takes one conversation — and it costs you nothing. Most clients are surprised by how much better their options are.

Free · Confidential · No obligation

Start Your Application →

Takes less than 2 minutes

Lauren Matlo
"We won't give up when it gets hard."
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