As Canada approaches a major mortgage renewal wave in 2026, brokers are bracing for a surge of homeowners renewing loans originally secured at historically low rates. Top mortgage broker and PurView Ambassador Christine Xu believes preparation, proactive communication, and accurate data will be essential for navigating what’s ahead.
To get ahead of the busy renewal year, Christine and her team are reaching out early to borrowers, reminding them of upcoming renewal dates and encouraging advance conversations. This proactive approach helps reduce last-minute pressure and positions brokers as trusted advisors during a stressful time for homeowners.
The right tool for the job
For Christine, PurView has become a critical tool in every renewal and refinance. Before moving forward with a deal, her team uses PurView to verify three key items:
- Estimated property value
- Mortgages registered on title
- Registered mortgage amounts
These checks often uncover details borrowers may not be aware of, such as multiple mortgages on title or if it’s a HELOC in which the lender can’t be switched, only refinanced.
Having instant access to authoritative land registry data allows Christine’s team to work more efficiently and avoid surprises later in the process. It also strengthens client conversations by grounding advice in verified property and ownership information.
A word of advice from Christine
For brokers new to the industry, Christine’s advice is straightforward: check PurView before investing time in a renewal or refinance. Understanding what’s on title from the start can save time, protect credibility, and lead to better outcomes for both brokers and clients.
As the renewal wave approaches, brokers who leverage reliable data and prepare early will be best positioned to support homeowners through a complex and high stakes transition. Book a demo of PurView with one of our experts to follow Christine’s proactive, data‑driven approach to mortgage renewals.
