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    Renew with confidence

    Lock in a Lower Rate
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    Best Rate renewal

    Lock in early, stay protected either way

    When you renew 30 to 120 days before the end of your current term, your rate is locked in at today's posted rate*, protecting you from any rate increases before your term ends. But if our rate is lower on your original maturity date, you will automatically get the lower of the two rates.1 It's the assurance that you'll always walk away with the Best Rate.

    How it works

    • Your rate is locked in at the time of commitment
    • If our rate is lower on your maturity date, you get that rate automatically2
    • Your mortgage renews on your original maturity date
    • Your current interest rate stays the same until the end of your current mortgage term3

    See our current mortgage rates >

    Why start your renewal process early?

    More time means better decisions

    When your term is coming to an end, renewal is your chance to reassess and make sure your mortgage still fits where life is at now. Starting early gives you the time to review your options without any pressure, adjust your term if your situation has changed, and have everything in place well before your maturity date.

    At SASCU, your renewal window opens 120 days before maturity. That's up to four months to make a confident, unhurried decision.

    Get personalized advice from an advisor >

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    Remote renewals

    Renewing is easier than you think

    Connect with an advisor by phone, online, or in-branch to renew your mortgage. They'll walk you through your options and help you customize your next term to fit your current needs.

    Book your appointment > 

     

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    *All rates are subject to credit approval based on an individual's risk profile and other criteria, as determined by SASCU.

    1 The Best Rate offer applies to all early renewal mortgages, including renewals with a refinanced amount. Early renewal is available 30 to 120 days prior to your mortgage maturity date. Renewals requested outside this window are not eligible for Best Rate offer.

    2 Once you commit to an early renewal rate, only the rate posted on your original maturity date will be compared to your committed rate and the lower of the two will be applied. Rates offered at any point between your commitment date and maturity date are not considered in this comparison.

    3 Your existing interest rate remains unchanged until your maturity date. Early renewal does not affect your current term.

    SASCU reserves the right to modify or terminate the Best Rate offer at any time without prior notice.