Chris Stirling - Centum Superior Mortgages

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Logy Bay, NL
Chris Stirling - Centum Superior Mortgages

I have been working in the banking industry for 30 years specializing in financing and financial planning. I was born and raised in St.

John's so I understand the importance of being close to your roots. Talk to me today about your financial options!

08/22/2025

What fees are associated with my mortgage renewal?

Fees associated with mortgage renewal may include:
- Appraisal fees
- Legal fees
- Discharge fees (if switching lenders)
- Administration fees

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08/21/2025

What are the risks of not renewing my mortgage on time?

If you don't renew your mortgage on time, your lender may automatically renew your mortgage at a higher interest rate, or your mortgage may go into default, which can lead to financial penalties and negative impacts on your credit score.

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08/19/2025

Can I negotiate better interest rates during my mortgage renewal?

Yes, you can and should negotiate better interest rates during your mortgage renewal. Use competing offers from other lenders as leverage to get a better rate from your current lender.

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08/18/2025

How do I compare offers from different lenders?

To compare offers from different lenders, consider the following factors:
-Interest rates
- Mortgage term
- Payment frequency options
- Prepayment privileges
- Penalties for breaking the mortgage early
- Additional fees and charges

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08/16/2025

Will my interest rates go up when I get a mortgage renewal?

Interest rates may go up, go down, or stay the same at renewal, depending on the current market conditions and your lender's offerings. It's important to compare rates and negotiate to get the best deal possible.

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08/15/2025

Can I switch lenders during my mortgage renewal?

Yes, you can switch lenders during your mortgage renewal. It's a good idea to shop around and compare offers from different lenders to ensure you're getting the best terms and interest rates.

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08/13/2025

What documents do I need for a mortgage renewal?

The documents typically required for a mortgage renewal include:
- Proof of income (e.g., pay stubs, tax returns)
- Employment verification
- Recent financial statements (e.g., bank statements)
- Current mortgage statement
- Identification (e.g., driver's license, passport)

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08/11/2025

How long does a mortgage renewal take?

The mortgage renewal process can take anywhere from a few days to a few weeks. This depends on the lender's requirements, the complexity of your mortgage, and how quickly you can provide the necessary documents.

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08/09/2025

When should I start my mortgage renewal process?

You should start the mortgage renewal process about 120 days (4 months) before your current mortgage term expires. This gives you ample time to shop around for the best rates and terms and to negotiate with your current lender or consider switching to a new one.

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08/08/2025

What is a mortgage renewal?

A mortgage renewal occurs when the term of your existing mortgage expires, and you sign a new mortgage agreement, either with your current lender or a new one, to continue financing your home.

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Address

136 Crosbie Road Suite 202
Logy Bay, NL

Website

http://www.centum.ca/sites/Chris_Stirling

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