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~120 days out: check what lenders are offering for your renewal scenario. Get a rate hold with the strongest competitor. Ten minutes, no commitment, soft credit check.
~90 days out: your current lender\'s renewal letter arrives. Compare it against your hold — not against nothing.
~60 days out: call your lender. Tell them the competing rate. Ask, politely, one question: "Can you match it?" They often can. They almost never volunteer it.
~30 days out: decide. If switching wins, your new lender and their broker handle most of the paperwork; straight switches at renewal usually carry no penalty, and many lenders cover the transfer costs.

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This guide is general information, not financial advice — figures are illustrative samples. Your numbers depend on your circumstances and lender or insurer approval. When you're ready, Loonwise connects you with licence-verified professionals.

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