See your 2026 Toronto mortgage renewal shock in 30 seconds.

Move the sliders. See what your bank's renewal will actually cost. Then get a written comparison against 30+ lenders before you sign anything.

Free No credit pull FSRA #M22002086

Payment shock calculator

Three sliders. See your renewal cost instantly.

Current mortgage balance$500,000
$100K$2M
Your current rate2.50%
1.50%6.00%
Months until renewal6
Now3 years
Your 2026 renewal shock
+$623/month
$37,380 more interest over your next 5-year term

Illustrative comparison: your current rate vs typical 2026 broker-channel 5-year fixed (4.99%), 25-year amortization assumed. Actual rates depend on file strength and lender. O.A.C.

Get the full written comparison

Against 30+ lenders, in your inbox within 24 hours.

Submitting does not constitute a mortgage application. No credit check is performed.

What happens after you submit.

Three steps. Total time to a written comparison in your inbox: 24 hours.

1Within minutes

I text you to confirm

Quick text from (647) 642-7249 to confirm your file and answer any questions. No SIN, no documents required.

2Same day

I shop 30+ lenders

Big-5 banks, monoline lenders, Ontario credit unions. I route your file to the lenders whose underwriting fits your profile.

3Within 24 hours

You get a written comparison

Rate, term, lender, switching costs, 5-year total cost vs your bank. Stay with your bank, switch, or walk away.

Why a broker beats your bank at renewal.

What clients say.

From 50+ five-star Google reviews across the Greater Toronto Area.

Jenny Tate, Mortgage Agent Level 1
Jenny Tate
Mortgage Agent Level 1 · FSRA #M22002086 · Tango Financial Inc.
★★★★★

Jenny saved us a substantial amount at renewal. The bank had offered us a rate we thought was fair until she showed us in writing what was actually available.

Toronto homeowner · 2025
★★★★★

Honest, no-pressure, and explained every option in plain English. She showed us the math and let us decide. We renewed with our bank but at a much better rate because of her quote.

North York homeowner · 2025
★★★★★

What I appreciated most was that everything was in writing. No verbal promises. She built the comparison, walked us through the penalty math, and let the numbers speak.

Mississauga homeowner · 2025
Read all 50+ Google reviews →

Common questions.

Does this affect my credit score?
No. The comparison is based on the file information you share. A credit pull only happens if you decide to formally apply with a chosen lender.
What if my bank verbally matches the quote?
Always ask for the matched rate in writing before signing. Verbal phone offers are conditional and structured to prevent further shopping. A written competing quote is your only real leverage.
What does it cost?
Zero, for standard residential mortgages. The lender pays the broker's compensation on funding. There is no fee charged to you.
How accurate is the calculator?
It is illustrative, based on a typical 2026 broker-channel 5-year fixed rate (4.99%) against your current rate, assuming a 25-year amortization. Your actual numbers depend on file strength and the specific lender you qualify for. The written comparison you receive will be specific to your file.

Ready for your written comparison?

Four fields, thirty seconds. A written competing quote in your inbox by tomorrow.

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Prefer to talk? Call (647) 642-7249

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