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Hi there,
If you’re moving before your mortgage term ends, porting your mortgage can sound like the obvious choice. You may be able to keep your current rate, avoid a penalty, and bring your mortgage with you to the next home.
But portability is not always guaranteed, and it is not always the lowest-cost option. Timing rules, property restrictions, blended rates, and qualification requirements can all affect whether porting actually works in your favour.
In this week’s guide, we explain how mortgage portability works in Ontario, when it makes sense, and when comparing it against a new mortgage could reveal a better option.
Want to learn more? Book your mortgage portability review today.
Talk soon,
David |
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Should your mortgage move with you? |
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Your bank won’t tell you when to switch — I will |
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Most homeowners are quietly overpaying for their mortgage — not because rates are high, but because no one is watching for them.
That’s where my Mortgage Monitoring service comes in. It automatically tracks your current rate against the market and alerts you the moment you could save money — often months or even years before renewal.
What you’ll get:
- A free personalized rate watch report
- Early warning when you can save
- A no-obligation review to see if switching or refinancing makes sense
Why it’s free:
Because I’d rather earn your trust before you need me — not after the bank has locked you in again.
Spots in my monitoring system are limited — I personally review each file before activation to make sure the data’s accurate.
[Join Free Mortgage Monitoring] — takes 30 seconds, and could save you thousands.
P.S.
If you’re not sure what rate you’re actually paying, that’s your first signal to join. You’ll know instantly whether your bank is still competitive. |
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Check out our featured video: |
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Before you decide, weigh potential savings vs. penalty fees.
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Important upcoming dates: |
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Upcoming Bank of Canada Interest Rate Announcements:
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July 15, 2026
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September 2, 2026
Canada Child Benefit (CCB) Payments:
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July 20, 2026
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August 20, 2026
Want to learn more? Lets talk |
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WealthTrack, 3-304 Stone Road West Suite 150, Guelph, ON N1G4W4, Canada |
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