Your mortgage will come to renewal at the end of every term throughout the life of your mortgage. At present, 80% of people simply sign the renewal papers sent from their current lender, missing the most opportune time to renegotiate your mortgage at the best possible mortgage rates and mortgage options.
As a mortgage holder, you have NO obligation to stay with your current mortgage lender at the time of renewal. I would encourage you to take this opportunity to see what the best mortgage options you have available, where it is unlikely that your current lender will offer the best possible option at the time of renewal.
Please feel free to contact me at this crucial time. One phone call could save you thousands. Know as well that I will be pleased to cover any costs associated with switching you into a new mortgage at the best possible Halifax mortgage rates!