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Mortgage renewal tracking for Canadian brokers

Renewals are the cheapest business a broker has. Tracking them takes a date on every funded deal and a reminder that does not depend on memory.

Why renewals are worth tracking

A renewal is a client who already trusts you, with a mortgage that is about to be repriced. Roughly 2.2 million Canadian mortgages are renewing across 2025 and 2026, and many of those clients face a higher payment. They are looking, and the broker who calls first is usually the one who keeps the file.

The cost of missing one is the whole commission on a deal you already earned the right to do.

What to record on every funded deal

  • Maturity date, the one field that drives everything else.
  • Current lender, rate, term and payment.
  • Client contact details and preferred way to be reached.
  • Birthday, for a reason to stay in touch between renewals.

A simple renewal schedule

Reminders at set points before maturity keep the work predictable instead of last minute.

Time before maturityAction
About 150 daysAdd the client to your upcoming renewals view and check their current rate.
About 120 daysReach out with a rate check, before the lender sends its offer.
About 90 daysFollow up and compare the lender offer with the market.
About 30 daysConfirm the decision and complete the renewal or switch.

Doing it in a CRM

A spreadsheet works until the book grows. In the bips CRM, maturity dates on funded deals drive renewal reminders, and tasks and email sit on the same client file, so the reminder, the call and the follow-up email happen in one place. It is $29 per month with unlimited contacts.

Common questions

How do mortgage brokers track renewals?
They record the maturity date, lender, rate and term on each funded deal, then set reminders ahead of maturity. A CRM automates the reminders so renewals are worked on a schedule instead of remembered.
When should a broker contact a client about renewal?
A common approach is to reach out about 120 days before maturity, again closer to the date, and to check rates before the lender sends its renewal offer. Lenders often send offers 90 to 120 days ahead.
What should be recorded on a deal for renewals?
The maturity date, current lender, rate, term, payment, and the client contact details. Birthdays and anniversaries are useful for staying in touch between renewals.
Why do renewals matter so much in 2026?
Roughly 2.2 million Canadian mortgages are renewing across 2025 and 2026, many at higher payments than the original rate. That means more clients are open to shopping, and a broker who calls first often keeps the file.
Does the bips CRM track renewals?
Yes. Maturity dates on funded deals drive renewal reminders, and birthdays use the same date-based reminders. You can see upcoming renewals across your book.
Mortgage broker CRMRenewal workflow for brokersThe 2026 renewal wall

Set up renewal reminders on your book

Import your clients, add maturity dates and see your upcoming renewals in one view.

Start the 14-day trial

No card required. $29/month after the trial.