Renewal Radar is for mortgage brokers. It tells you which of your past clients are about to renew with their bank, writes the message that brings them back to you, and keeps the compliance record while you work.
What that letter costs your client
A mortgage at renewing at
+$/mo+$,/yr
Edit the numbers · payment updates live
The problem
You found the client, did the work, and earned the commission. Five years later, the bank keeps them.
Every mortgage you arrange comes up for renewal, usually five years later. When it does, the client's bank mails a letter with a new rate and a line to sign. About 70% of people sign it. They don't call you. Not because you did anything wrong, but because the bank's letter was the only number in front of them.
Each one of those is a renewal commission you would have earned again, on a client you already paid to win. A 400-file book sees about 80 renewals a year. Most brokers keep a third of them.
Renewal Radar exists to change that number.
1.15M
Canadian mortgages renew in 2026
~70%
of borrowers sign the bank's first offer
$2.5–4K
commission on each renewal you originated and didn't keep
120 days
before maturity, a lender will hold a rate
Sources: CMHC renewal estimates; industry retention benchmarks.
What it does
Renewal Radar is not a CRM and not a lender portal. It does one job: get you back in front of your own clients before their bank does, and leave a clean record behind.
Upload your client list from Finmo, Velocity, Filogix, or any spreadsheet. Every mortgage gets a renewal date and a leave-risk score. Instead of staring at 400 files, you see the 20 that need you this month.
AI drafts an email or text in your voice using that client's real balance, rate, and renewal date. You read it, edit it, approve it. Nothing goes out without you, and it sends from your own email address, so the client sees you, not software.
Your client gets a link. On their phone they see what the bank's offer costs each month next to what you can shop for them, in plain dollars. One button: Shop my renewal. You're notified the moment they tap it.
BC's Mortgage Services Act treats every renewal as a supervised, documented transaction. Renewal Radar writes the suitability note, disclosure checklist, consent log, and supervision record as you work, not as a separate job afterwards.
How it works
The bank's retention desk works those 120 days on every one of your clients. Here's what Renewal Radar does in the same window. “T-120” means 120 days before the mortgage matures.
Day 1
Finmo, Velocity, Filogix, or a CSV. Every file is dated, scored, and ranked within minutes.
T-120
The file lands in your queue with a risk score, the client's numbers, and a draft message waiting for your approval.
T-90
They see the bank's rate next to yours, tap Shop my renewal, and you know before they've put the phone down.
T-60
Rate held, call brief in hand, disclosures prepared. The bank's letter arrives to a client who already has a better number.
T-0
Outcome logged. The file closes with a complete record. Your retention rate goes up by one.
Prepared by
Priya Sandhu
Your renewal options
Sandhu · 4821 Oak St · matures Jan 14
Bank offer · 4.49%
$3,842/mo
Broker shop · 3.89%
$3,518/mo
−$324/mo · −$3,888/yr
One link · no signup · Priya is notified
The page your client opens · no login
What your client sees
Most people sign the bank's letter because it's the only number they were given. The Renewal Plan puts your number next to it, on their phone, with your name on it, in about sixty seconds of reading.
Also in Punjabi, Mandarin, Farsi, Korean, and Spanish.
Compliance
Under the new rules a principal broker is personally accountable for what their brokers tell clients, and each file needs suitability notes, disclosures, and consent on record. Most brokers handle renewals from a CRM reminder and an inbox, which produce none of that. Renewal Radar creates the record as a by-product of doing the work.
Suitability note
Needs, constraints, options considered, and why. Drafted by AI, confirmed by you, timestamped.
Disclosure checklist
Role, remuneration, conflicts, and the right forms package, tracked per transaction.
Consent ledger
Who agreed to hear from you, when, and how. Every send is checked against it first. CASL covered.
Principal review
Every client-facing message in one place for the principal broker to review and stamp.
Ontario brokerages: the FSRA version is next. Retention works everywhere today.
Keep your CRM
Renewal Radar isn't a CRM and doesn't want to be. It imports from Finmo, Velocity, and whatever you use today, and only handles the renewal moment.
Who it's for
You want more renewals kept without becoming a marketer. You get a short queue of the files that matter, drafts you can approve in a minute, and a client page that does the explaining for you.
Under the Mortgage Services Act you're accountable for every message your team sends. You get a supervision view, locked templates and disclaimers, and a retention number you can coach from.
They got a letter with a rate on it and an anxious feeling. They get a link that explains what's at stake in sixty seconds, and one button to have you fix it.
Pricing
Solo is $1,788 a year. A single renewal commission is $2,500 to $4,000. Every plan starts with 14 days free.
Founding brokers · 12 of 20 seats left
For the first 20 BC brokerages. Everything in Solo, plus we import your book with you on a call so your radar is live before we hang up.
Claim a founding seatFounding pricing ends when the 20 seats are gone.
Standard plans · per month
Solo
1 broker · unlimited files, AI drafts, client plans, compliance rail
$149/mo
Team
Up to 5 brokers · principal supervision view · locked templates
$399/mo
Brokerage
Up to 15 brokers · reporting · priority support · DPA
$899/mo
More than 15 brokers · talk to us
FAQ
A Canadian mortgage is usually a 25-year loan paid off in 5-year terms. At the end of each term the client has to renew, either with their current lender or a new one. There's no penalty to switch at maturity, and lenders will hold a rate up to 120 days before. That window is where Renewal Radar works.
No. It sits beside them and only handles the renewal moment. You import by CSV today; direct sync with Finmo and Velocity is planned.
No. Every message is drafted for you and waits for your approval. It sends from your own email or SMS number, and each send is checked against your consent ledger before it goes.
Every contact carries a consent record: source, date, express or implied. If someone has opted out, the send is blocked and you're told why.
In Canada (Supabase, ca-central-1). You can export everything in one click and take it with you if you leave.
The retention side (risk scoring, drafts, client plans) works anywhere in Canada. The compliance rail is built for BC's Mortgage Services Act today; the Ontario (FSRA) version is next.
About 15 minutes: import your book, set your voice, approve your first draft. Founding brokers get a call where we do the import with you.
A mobile page with your name on it: the bank's offer versus what you can shop, in monthly dollars, when the rate hold starts, and one button that says Shop my renewal. No login, no app to install.
Fifteen minutes. Bring your book.