For homeowners renewing in the next 12 months
That renewal letter isn't their best offer. It's their opening one.
A short, focused course that shows you exactly how to negotiate a better mortgage renewal — even if you never switch lenders.
1.15M
Canadian mortgages renew in 2026
$375/mo
Average renewal payment increase
39%
Worried about making payments
See your own number
A 0.10% rate difference isn't nothing. Here's what it actually costs you.
On the average Canadian mortgage balance at renewal, even a small rate improvement compounds into real money over a 5-year term. Move the slider.
Average balance at renewal (Bank of Canada, 2024)
Even modest improvements add up over a full term
Illustrative example based on average mortgage balances reported by the Bank of Canada.
Your actual savings depend on your balance, rate, and term — the course shows you how to find your own number.
You don't need a better lender. You need a better negotiation.
Here's what nobody tells you: your bank does not want to lose you. You're a profitable, low-risk, already-approved customer. Replacing you costs them more than negotiating with you ever will.
That's leverage. You already have it — you just don't know how to use it. The Mortgage Renewal Playbook teaches you exactly that: how renewal rates are actually set, when to start the conversation, what to say on the call, and how to know if staying or switching is the smarter move.
Built by a licensed mortgage brokerage
Pekoe Mortgages distills what we tell our own clients into a step-by-step system anyone can follow — whether you work with a broker or handle it yourself.
Taught by Dan Johanis
Founder & Principal Broker, Pekoe Mortgages
Dan is a licensed mortgage broker and the founder of Pekoe Mortgages, a brokerage serving homeowners across Alberta and Ontario. He built this course around the same conversations he has with clients every renewal season — the questions people don't know to ask, and the leverage they don't know they have.
This isn't theory. It's the actual process Pekoe uses with real clients, taught directly so you can use it whether you work with a broker or handle your renewal yourself.
Licensed Mortgage Broker — Lic. No. M16000320
Pekoe Financial Inc. — Brokerage No. 13321
Seven modules. Built to be used, not just watched.
01
How renewals actually work
See exactly how your bank prices your renewal — and why the first offer is never the floor.
02
Timing is leverage - Interactive tool
The 120-day window most homeowners don't know exists — build your own action calendar.
03
Reading the offer in front of you - Interactive tool
Rate isn't the only number that matters. See what an offer really costs you.
04
The renewal negotiation, word for word
The exact call script, email template, and escalation script — ready to use.
05
When staying actually makes sense
An honest framework for when negotiating beats switching — and when it doesn't.
06
Mistakes that cost thousands - Interactive tool
The five most expensive renewal mistakes, and what doing nothing actually costs.
07
Your 120-day action plan
A complete preparation checklist so you walk into your renewal ready.
What attendees are saying
Real feedback from a live class Dan hosted before this course was recorded.
Amanda Lewis
"Before using the Mortgage Renewal Playbook, I assumed my lender's renewal offer was probably fair. The scripts and step-by-step process showed me exactly what to ask for, and I ended up negotiating a lower rate that saved me thousands over the term."
Mark Reynolds
"I was ready to just sign the renewal letter and move on. This playbook gave me the confidence to push back, compare my options properly, and have a smarter conversation with my bank. The savings were worth far more than what I paid for it."
Priya Sandhu
"The best part was how simple it made everything. I didn't need to become a mortgage expert. I just followed the playbook, asked the right questions, and got my lender to improve their offer. I wish I had this at my last renewal."
One price. No upsell required.
Everything you need to negotiate with confidence.
The Mortgage Renewal Playbook
One-time payment · Lifetime access
$297 CAD
7 modules, 22 video lessons
7 printable scripts & guides
4 interactive calculators
Lifetime access — come back every renewal
Secure checkout via Stripe · Instant access
Questions before you get started
I already have a mortgage broker. Is this still for me?
Yes. This teaches you to negotiate with your current lender directly — most of our own clients find it useful even when they work with us too.
What if my bank won't budge at all?
Module 5 covers exactly this — including when staying is genuinely the right call, and when it's time to look elsewhere.
How long does the course take?
Short, focused lessons across 7 modules — built to watch in one sitting, then revisit specific lessons right before your call.
Is this only for homeowners with bad rates?
No — even homeowners with decent rates often leave money on the table by not negotiating. If you're renewing in the next 6–12 months, this applies to you.
Your renewal letter is coming. Be ready before it arrives.
One focused course today could save you thousands over your next term.
Copyrights 2026 | Pekoe Mortgages | The Mortgage Renewal Playbook