Homeowners are too busy to keep an eye on mortgage changes, rates, and new products being offered; this is entirely understandable. Having your mortgage maintained regularly can save most homeowners thousands of dollars in the long – run.

One mistake that many people make is not being proactive when it comes to their mortgage renewal. They don't shop around, meaning they will be handed a mortgage product and rate from their current lender, which may not be best suitable for them.

There are times when it will be worth it to break your current mortgage for a different one. We would calculate your savings and costs to ensure refinancing for a lower rate would be cost-effective and beneficial.

Using the equity in your home can help in times of need.