How to switch your mortgage to Conexus?
Switching your mortgage to Conexus signals a new and promising chapter in your homeownership story. Whether you're seeking better features, a competitive interest rate, or simply exploring new opportunities our step-by-step guide provides a smooth transition. As you consider switching your mortgage, be assured that our team will be here to help guide you through the process. Plus, our Mortgage Switch Program can help cover up to $1,750* of any applicable fees.
Your guide to switching your mortgage.
Assess your mortgage needs
Consider what’s working and what you’d like to change about your current mortgage.
- Think about your current mortgage features, payment schedule and interest rate.
- Create a mortgage wish list based on what matters most to you.
- Consider whether you’re looking for more flexibility, savings or different features.
Explore your options
Connect with our team to compare mortgage products, rates and options.
- Meet with a Mobile Mortgage Specialist or Financial Advisor to discuss your needs.
- Share your mortgage wish list and current mortgage details.
- Choose the mortgage product that best fits your goals and begin your application
Complete your mortgage switch
Finalize your mortgage switch and start your next chapter with Conexus.
- Review any applicable fees and explore our Mortgage Switch Program.
- Work with your Mobile Mortgage Specialist or Financial Advisor to finalize your mortgage contract.
- Choose a payment schedule that works for you.
When is the best time to switch?
The best time to look into switching your mortgage is typically three to four months before the end of your current mortgage term. Starting the process early allows you the time needed to consider your options, negotiate terms and prepare for the switch. While you can technically switch your mortgage at any time throughout your term, doing so may result in fees associated with land title changes, etc. This is why we recommend planning ahead by talking with one of our Mobile Mortgage Specialists or Financial Advisors.
Tools to help you decide whether to switch.
Common questions.
Here’s what people ask us the most.
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Switching your mortgage can be an opportunity to explore different mortgage features, competitive rates or options that better fit your current financial goals. As a local credit union, we’re here to provide personalized advice and support while giving back to the communities we serve. Our team can help you review your needs and find a mortgage solution that works for you.
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Depending on your situation, switching your mortgage may involve fees such as transfer, registration or other applicable costs. Our Mortgage Switch Program may help cover eligible transfer fees when you switch your mortgage to Conexus.
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A Mobile Mortgage Specialist or Financial Advisor will guide you through the process, help you choose the right mortgage product and finalize your new mortgage contract, including your payment schedule.
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Yes, you can switch your mortgage to Conexus at any time. However, if you’re switching a closed mortgage before your current term ends, your existing lender may charge a prepayment penalty. These costs are not covered by the Conexus Mortgage Switch Program.
Let's connect.
Our Mobile Mortgage Specialists are here to walk you through your options — at home, at the office or virtually. Book a time that works for you and let’s find your ideal mortgage.
