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Renew your mortgage with something better.

With each mortgage renewal comes an opportunity to assess your current lender against your financial goals and mortgage needs. We’re confident that we’ll stack up.

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Why choose Neo?

Worry-free rates in just a few clicks.

We get it. You’re on a mission to figure out who will give you the best rate, before your renewal date. That’s why we work hard to find you the best rate across multiple lenders, so you can pocket the difference.

Save thousands without breaking a sweat

We crunched the numbers for you, and here’s an idea for how much you’d save with a Neo Mortgage compared to renewing at a traditional bank.

Lifetime of mortgage

End of 5-year term

$355,000 Mortgage Balance⁴ (High-Ratio Insured)



$570,000 Mortgage Balance (High-Ratio Insured)



5 minutes, a few clicks and you’re approved.

We’ve made shopping for your mortgage renewal a snap. Our technology enables you to close your mortgage online¹, saving you time and keeping your data secure. With Neo Mortgages you can:

Our Lending Partners


Ready? Get an instant renewal rate estimate, effortlessly.

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Have questions? We have answers.

¹ Digital closing is currently only available in Ontario, Alberta, and British Columbia.

² 5-year variable rate is up to date as ofJune 14, 2022. This rate is applicable for high ratio mortgages and subject to lender approval. Rates subject to change without notice.

³ Based on the median mortgage rates of Canada’s Big 5 banks taken from public websites as at June 14, 2022.

⁴ How we calculated this: The average size of a mortgage in Canada in 2021 is $355,000 according to Equifax. The variable rates shown are for high ratio insured mortgages (less than 20% down payment).

Neo Mortgage Services Inc. is currently licensed in Alberta, Ontario (#13444), British Columbia (MB600606), Saskatchewan (510903), Newfoundland and Labrador (22-07-NE115-1), New Brunswick (220015509) and Nova Scotia (2021-3000379), with all applications pending across Canada.