Mortgage Renewals

Ready to make your largest debt disappear?
Here’s how we’re going to make it happen!

Step 1

The Discovery Call

It’s All About You!

In this step we’ll have a casual conversation and:

  • Discuss how the mortgage is fitting with your budget
  • Talk about your current and future financial needs
  • Review timeframes with your current home
  • Go through some rough mortgage scenarios

After going through this step you’ll breath easier and realize you made the right call by reaching out to us.

Step 2

Develop a financing plan

Leave the number crunching to us!

In this step we’ll work our magic behind the scenes and:

  • Present you with a financing plan
  • Show you options to save money (think thousands!)
  • Discuss which lenders fit your current and future needs
  • Discuss real estate investing options (optional)

After this step you’ll feel confident that you have a plan to make your mortgage go away!

Step 3

Meet Your New Lender

Don’t worry we’ll do all the leg work!

In this step our experience really shines through! And we’ll be there to:

  • Get your new financing approved
  • Explain all the terms and options
  • Satisfy the lender conditions
  • Help with the transferring the relationship

This step is usually has a lot of moving pieces Don’t worry, we roll out the red carpet. All you have to do is walk down it, looking fabulous!

Step 4

On Going Mortgage Reviews

Ironically the end is just the beginning

In this final and ongoing step we’ll be there guide you through:

  • Understanding future Bank of Canada updates
  • How government rule changes impact your mortgage
  • Annual reviews to confirm you’re on track
  • A sounding board for other financial matters

After this stage, clients often comment on how easy we made the entire process and how much better they sleep at night, knowing that they now have a lifelong mortgage advisor.

Mortgage Financing Plan in Place & Payments Under Control.
How amazing does that feel?!

Why use a mortgage Broker?

Banker vs Nishka Riley Mortgage Team

Refinance and Maturity

Nishka Riley Mortgage Team

  • Product Options
    We have access to various lenders, providing a wide range of mortgage products.
  • Interest Rates
    We can often offer competitive interest rates by shopping around among multiple lenders.
  • Personalized Service
    We work independently and focus on your needs, offering personalized guidance.
  • Communication
    We maintain clear and open communication, ensuring you understand the entire process.
  • Flexibility and Advocacy
    We are your advocate. We work to find the best terms and conditions to meet your financing needs.
Refinance and Maturity


  • Product Options
    Limited to offering only the products available within their own bank
  • Interest Rates
    Bankers are confined to the rates set by their own institution, potentially limiting options.
  • Personalized Service
    Bankers are constrained by the policies and procedures of their specific bank.
  • Communication
    Bankers wear many hats and may not have the time to communicate the progress of your file.
  • Flexibility and Advocacy
    Bankers represent the interests of their employer, which may not always align with the borrower's best interests.

How The Nishka Riley Mortgage
Team Can Help You

Over the past 20 years, we’ve been helping people like yourself call North Vancouver, Squamish and Vancouver home. If you’re in the early stages of your renewal or refinance research, download our award winning mortgage calculator. Since we are a part of the Dominion Lending Centres network, we have access to lenders like Scotiabank, TD Canada Trust, Blueshore Credit Union, MCAP and dozens more. Because of our lender relationships, we can find a mortgage solution that meets your needs. Renewing or refinancing your mortgage involves reevaluating a lot of aspects of your life. If you are self-employed or have credit challenges, you’ll want to harness our experience to guide you through the mortgage maze. We can help you navigate decisions like: fixed vs variable, short or long term rates, should we consolidate our debt and how do we lower our monthly payments? We’ll be there every step of the way and help you with each one. Come experience why we are one of the highest ranked North Vancouver mortgage brokers by Google reviews.

Things To Know When You Are Refinancing Or Renewing

Common questions and misconceptions

What Our Clients Are Saying

Get a feel of how we work with people just like you

Phillippa Lorincz
Phillippa Lorincz
Niksha and team have made our mortgage renewal so seamless and stress free. They were supportive and informative every step of the way! I highly recommend this team to anyone looking for a fantastic mortgage broker! Thank you again Nishka!
Karen Nowak
Karen Nowak
Nishka was a dream to work with! When other mortgage brokers said it wasn’t possible, Nishka made it happen! She was a wealth of knowledge and really listened to what we wanted. She offered suggestions, answered all our questions, and reassured us every step of the way. She is professional, knowledgeable, and very experienced at what she does. Communication with her is a breeze— she responded almost immediately to every query we had. Buying your first home can be a stressful experience but with Nishka’s expertise and magic, our experience was exciting and enjoyable. We are so grateful to Nishka and her team and wholeheartedly recommend them! Thank you, Nishka for making our dream home a reality.
martin zych
martin zych
Wonderful experience, very helpful and resourceful mortgage broker. Greatly appreciate your help.
Fred Grillet
Fred Grillet
Nishka helped my partner and I with the purchase of our first home. From day 1 she was extremely helpful! We had many questions throughout the process, which Nishka always answered happily and quickly with clear and helpful responses. We will definitely work with her in the future and would highly recommend her. She was a pleasure to work with!
Nicole Thomas
Nicole Thomas
Nishka helped my husband and I secure a mortgage as first time home buyers. She did an amazing job walking us through everything and answering any questions we had along the way. Nishka made the process of securing a mortgage as a first time home buyer far less daunting. I would definitely recommend Nishka to anyone looking to secure a mortgage, she is amazing at what she does!
Ina Ervin
Ina Ervin
Professional. Exceptional service, knowledge and expertise. Nishka not only advises, but as a real estate owner and investor herself she has first hand experience with what she is talking about. I recommend Nishka highly.
Raine Anderson
Raine Anderson
Refinancing a mortgage can be more involved than what you may think. We were fortunate enough to be recommended Nishka and Paul to help us with our needs. We were looking at switching lenders and had plenty of questions. Paul was on top of everything, very professional and accommodating. We were given the best options that what worked for us currently and are very grateful with all the help we received. Nishka and Paul are our go to Mortgage Advisors from here on out!
Nicholas Milton
Nicholas Milton
Nishka was extremely hardworking and professional during the entire experience of refinancing our home. She worked diligently through a complex application and always looked for solutions rather than finding road blocks. She was honest, positive, and communicated with us at every step of the way. I will use her exclusively in the future and would recommend her, and her team, to anyone looking for a top performing mortgage broker.