The biggest mortgage renewal mistake - knowing who is working for who.
Nobody wants to feel like they are on their back foot in a negotiation with their bank. Jargon, sales pitches, and pressure can lead to difficult decisions and regretful mistakes. The bank’s job is to sell their products, when you work with us our obligation is to do what’s best for you.
At KB Mortgages, we are the experts that fight for you so that you get the best offer from your bank every time; while helping you avoid expensive mistakes. We explain your options in easy-to-understand language so that you can make the best decisions for you and your family.
What We Do
We help you negotiate better rates on your mortgage renewal as we are 100% on your side. We guarantee at least $2000 in savings or we waive our $500 fee and work completely for free.
See how you can save on your renewal
Our Guarantee To You
We charge $500 for this service and we guarantee you will save at least $2000 and be completely happy with our service. For any reason if you are not completely satisfied you get your money back. No questions asked. Just send us an email and we will completely refund you within one business day.
The biggest question you must ask yourself before renewing – are you renewing or refinancing?
- Renewal – When you are simply looking for the lowest rate as quick as possible
OR - Refinance – When you are looking to lower your payments, pay off debts or pull cash from your home
Renewing takes minutes and we will help you get the lowest rate in minutes. Start Today
Refinancing requires requalification for your mortgage, click here to setup a free call to get all of your questions answered and to get a complete breakdown of the steps to refinance your mortgage.
Why work with Kirkwood & Brennan Mortgage Group?
Over the last ten years as mortgage brokers we noticed a major issue in the mortgage world.
Clients who wanted to get the lowest rate at renewal often renewed with their current lender. It took minutes, whereas changing lenders required going through the entire mortgage qualifying process again.
There was a major issue we saw. Home owners were relying on bank staff to renew their mortgage.
The problem?
- Those bank staff only have one job… get the mortgage renewed and make the bank money.
- We saw home owner after home owner get a bad offer on a product that was the wrong choice for their family.
- This led to thousands in extra interest and exposure to massive mortgage penalties (the worst we saw was over $100,000!)
- But it wasn’t the home owners fault.
- The mortgage renewal staff were welcoming and friendly.
- But they often did not go over the mortgage choices and their pros and cons.
- They almost never fought to get the homeowners the lowest rate.
- Instead they did just enough to put the homeowners at ease and renew the mortgage.
We change that
We charge $500 to guide your family through the renewal process and to help you get the best offer possible while avoiding f expensive mortgage mistakes like cashback clawback, interest rate differential penalties, porting loop holes as well as dozens of others.
Yes we charge $500 BUT we guarantee you save at least $2000 in interest over your mortgage term (compared to your original renewal offer) to make sure you win no matter what.
Some save $2000, others save $10,000. No matter what we make sure you pay less and most importantly avoid costly mortgage mistakes.