Our best rate. Yours first.
Because you came back.
If you've funded a mortgage with Mortgage Squad Advisors before, your renewal isn't a fresh shop — it's a VIP experience. You automatically receive our absolute best available rate, 120 days before maturity, before we offer it to any new client. No negotiation. No haggling. No "loyalty tax."
Banks charge their existing customers more. We do the opposite.
At every Big-6 bank, the "loyalty tax" is real — renewal letters routinely come in 0.30% to 0.60% above what the same bank is offering new customers walking in the door. They count on your inertia. We count on your return business. So we flip the script: existing Mortgage Squad Advisors clients get our absolute best rate, before any new client sees it.
What return clients receive automatically.
No paperwork. No code to remember. Just better treatment, every time.
The lowest published rate we have across our 100+ lender network, applied to your file first. Before we publish it. Before we offer it anywhere else.
Your file is shopped 120 days before maturity, automatically. You don't have to remember. You don't have to ask. We start working on it 4 months before your mortgage matures.
Locked in at today's rate but rates drop before close? We re-shop and re-lock at the lower rate. Always. You never pay yesterday's price.
Your renewal is handled by a senior advisor (10+ years), not the next available agent. The same person who knows your file from last time, if available.
A straight transfer renewal (no equity take-out, no change in property) skips full re-qualification at most lenders. We route you to those lenders first when it benefits you.
Return-client files go to the top of our queue. Same-day commitment turnaround. Documents reviewed within 4 business hours.
Renewal Loyalty stacks with Rate Beat Guarantee, the $500 Referral, and any High-Value program you qualify for. Nothing competes.
Once you've funded once with us, you get this treatment every renewal forever. Even if it's been 10+ years since your last funded file with us.
If anything goes sideways, you can escalate directly to our Principal Broker. Most clients never need to — but you have the option.
What happens behind the scenes.
You don't have to do anything. We do this automatically for every return client.
Our team identifies you as a return client and routes your file to a senior advisor. We start benchmarking across 100+ lenders.
You receive your VIP loyalty rate by email. No login required. No "call us for the rate" runaround. The number is right there.
If you proceed, we lock the rate for up to 120 days and start the paperwork. Documents are sent for e-signature when you're ready.
If rates have moved lower since your lock, we re-shop and re-lock at the better number. You never pay the older price.
Your old lender is paid out, your new mortgage starts the same day. No gap, no missed payment. Your portal updates automatically.
Who qualifies, automatically.
No application form. No proof needed. We already know who you are.
- You have funded any mortgage with Mortgage Squad Advisors at least 1 year ago
- Includes purchase, refinance, renewal, switch, or alternative-lending files
- Includes commercial mortgages (the loyalty rate applies to your next commercial deal too)
- Applies whether your mortgage was with us for 1 year, 5 years, or 30 years — no expiry
- Available to anyone you've referred to us as well — once they fund, they're a client too
- Loyalty rate + Rate Beat Guarantee — yes, your loyalty rate counts as the benchmark we have to beat your Big-6 offer against
- Loyalty rate + $500 Referral — if a friend you referred is also at renewal, you both get the loyalty rate
- Loyalty rate + High-Value (mortgages over $1M) — get the concierge package on top
- Loyalty rate + any future promotions we launch — automatic enrollment
- No "either/or" choices — every program you qualify for, you get
Common questions
Do I need to ask for the loyalty rate?
What if I forgot I funded with you years ago?
What if my current mortgage isn't with you?
Is the loyalty rate always the absolute lowest in the market?
Can I stack this with the Rate Beat Guarantee?
What if my situation has changed since my last mortgage?
How much can I save vs my bank's renewal letter?
“I funded my first home with Mortgage Squad Advisors in 2018. Six years and three properties later, every renewal has been seamless — they always call me first, the rate is always sharper than what my bank quotes, and the senior advisor knows my whole file. It's the easiest part of owning property now.”