Renewing Your Mortgage

Renewing your mortgage is a great opportunity to review your financial situation and make any necessary changes to your mortgage. This is the time to think about future plans, such as home renovations, moving, or another large purchase in the near future.


Can I renew early?

At Quinte First, you can take advantage of our 120 days early renewal option, which allows you to renew early without any penalties. If you choose to take us up on this option, you’ll be able to lock your mortgage in at current rates right away – potentially saving you thousands if interest rates begin to rise.


How does the renewal process work?

When you renew your mortgage with us, we take care of the details for you. Here are a few easy steps to get prepared.

Step 1: Start thinking about your plans for the future

Ask yourself: What are my short and long term financial goals?  Has my financial situation changed in the last few years?  Am I considering moving, renovating, or making any large purchases in the near future?

Step 2: Consider our early renewal option

Have you received a renewal letter from us yet? If you have, contact us with any questions and your thoughts!  If you haven’t, contact us anyway! We will discuss your mortgage needs and provide advice on your next step.

Step 3: Renewal Time

Contact the branch to set up an appointment at your earliest convenience. We will advise you what to bring with you.  Please let us know what else we can do for you. Are you thinking about starting an investment? Applying for a credit card? Opening a line of credit? We can help!



Plus, take advantage of these features and benefits!

  • No need to requalify if you are not refinancing 
  • Peace of mind with payment protection – Life, Disability, Critical Illness, and Loss of Employment 
  • Rate guarantee – for renewals, guarantee a rate for up to 60 days before renewal
  • Alternative payment options to pay down your mortgage even faster


Ready to get started?

Speak with one of our knowledgeable and friendly lending specialists to
discuss your renewal options and get helpful advice.

Call us at 613-966-4111 or visit your local branch