Transferring 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 moving 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 $1,2501 of any applicable transfer fees.

Your step-by-step guide to transferring your mortgage

The step-by-step guide below is a comprehensive guide tailored to support you at every stage of your homeownership journey - from research to renewing. While some may prefer a hands-on approach, remember that we're here for you every step of the way. Feel free to dive into the process independently, but don't hesitate to reach out to us whenever you need guidance.

Step 1

Assess your mortgage needs

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Think about your current mortgage and consider what features you like and what features you feel are missing. Are you looking for a better interest rate or a more convenient payment schedule? Make notes as you create your mortgage wish list.

Step 2

Contact us

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Book an appointment with one of our Mobile Mortgage Specialists or Financial advisors to talk through the different mortgage products we offer, as well as the available interest rates.

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Share your mortgage wish list, as well as any information about your current mortgage.

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Choose the mortgage product that’s right for you and start the application process.

Step 3

Start the transfer

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Plan for any fees that may be associated with switching your mortgage. Our Mortgage Switch program covers up to $1,2501 of transfer-related fees.

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To complete the transfer of your mortgage to Conexus, work with your Mobile Mortgage Specialist or Financial advisor to finalize your mortgage contract, including choosing a payment schedule.

When is the best time to transfer my mortgage?

The best time to transfer your mortgage is typically three to four months before the end of your current mortgage term. Starting the process during this time allows you the time needed to consider your options, negotiate terms, and prep for the transfer. While you can technically transfer 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 Advisor

Mortgage Switch Program

What is it?

Our Mortgage Switch Program helps cover up to $1,2501 of the fees associated with transferring your mortgage to Conexus.

What is it for?

This program is great for those looking to switch their mortgage to Conexus. The program offers flexibility and choice, with fixed or variable rates and open or closed terms of three, four, or five years. To switch to Conexus, you must already own the property. Your mortgage or property taxes cannot be in arrears.

What does it cover?

This program covers First Canadian Title (FCT) fees, appraisal fees, and discharge fees from your current financial institutions if transferring to a Conexus 3-year or longer, fixed rate mortgage. You will be responsible for paying any early prepayment fees from your current financial institution, as well as any fees above $1,2501.

Why switch?

There are many reasons to switch to Conexus including (but not limited to): we’re local; we offer competitive rates; and we provide personalized service tailored specifically to your needs.

Meet our Mobile Mortgage Specialists

As a first-time homebuyer, we understand the importance of flexibility. Our Mobile Mortgage Specialists bring the branch to you, accommodating your schedule and providing personalized service, ensuring you can easily navigate the journey to your first home without any unnecessary stress.

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Have questions? That’s what we’re here for!

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1Terms and conditions apply.