Your Mortgage Is Due for a Check-Up

Date Posted: August 27, 2025

 

 

 

 

When was the last time you looked at your mortgage? Not just the interest rate — but the terms, the flexibility, your long-term plan?

Just like your car needs regular maintenance or your health needs an annual check-up, your mortgage deserves the same attention. A lot can change in a year — in your life and in the market — and your mortgage should keep up with those changes.

At Mortgage Brokers Ottawa, we offer free mortgage check-ups to help you stay on track and make sure your mortgage is still working for you — not the other way around.

 

 

🩺 Why Do a Mortgage Check-Up?

Because your life isn’t static — and neither is the mortgage market.

Here’s what we look for during a check-up:

• Is your interest rate still competitive?
  Rates fluctuate. If you signed a few years ago, you could be overpaying now.

• Are you nearing your renewal?
  Don’t just auto-renew! We’ll shop around and negotiate on your behalf.

• Have your goals changed?
  Planning renovations? Thinking of upsizing or downsizing? Starting a business? We can help you structure your mortgage accordingly.

• Are you carrying high-interest debt?
  A refinance using your home equity could significantly reduce your monthly payments.

 

 

🧠 It’s Not Just About Rate — It’s About Strategy

At Mortgage Brokers Ottawa, we focus on the big picture. Sure, the rate matters. But so do:

• Prepayment privileges

• Penalties

• Portability

• Amortization length

• Variable vs. fixed strategy

We’ll help you understand all the moving parts — and make sure your mortgage is in tune with your financial goals.

 

 

😌 We Make It Easy

No pressure. No jargon. No salesy tactics.

Just a friendly, knowledgeable mortgage expert who will look over your current mortgage and tell you if:

✅ You’re in a great spot
✅ You could save money by switching
✅ You should consider refinancing
✅ You need a plan before your renewal hits

And best of all? Using a mortgage broker costs you nothing in most cases.

 

📍Let’s get your mortgage check-up booked.
Mortgage Brokers Ottawa is here to take the stress off your plate — and make sure your mortgage is always working in your favour.