The renewal notice is the one time a lender competes for you
A renewal letter from your current lender is one number, not a market. Before you sign it, A.J. runs a Renewal Rate Review against what else is available across Manitoba’s banks, credit unions and monoline lenders — no cost, no obligation.
Auto-renewing is the easiest way to overpay
Your current lender’s renewal offer is built to be signed without a second look. A Renewal Rate Review changes that.
- 01
Your renewal offer, checked
A.J. compares the rate and terms your lender sent against what else is available for your situation — before you sign anything.
- 02
One conversation, real numbers
A short call covers your mortgage balance, remaining term and goals, then A.J. tells you plainly whether renewing as-is makes sense.
- 03
You decide, no pressure
If your current offer is already competitive, A.J. will say so. If not, you’ll know what switching could realistically save.
Six ways A.J. helps Winnipeg homeowners and buyers
One licensed advisor, every stage of the mortgage.
- Mortgage renewals
- First-time buyers
- Refinancing & equity
- Debt consolidation
- Self-employed
- New to Canada
A.J. Nayo
A.J. is a Manitoba-licensed Mortgage Broker with Pineapple National, working with major banks, credit unions and monoline lenders to find terms that fit your situation — not just the first offer. Every conversation starts with your numbers, in plain language.
“AJ helped me and my wife refinance our mortgage and helped lower our payments to increase our cash flow. It was a great experience and I would HIGHLY recommend him for all your mortgage needs!”
Licensed & regulated
A.J. is registered with Manitoba’s mortgage regulator through Pineapple National Inc. (Licence No. MB 600871).
Multi-lender access
Rather than one bank’s rate sheet, A.J. compares options across major banks, credit unions and monoline lenders.
No cost to talk
An initial review — renewal, pre-approval or refinance — costs you nothing and comes with no obligation.
A.J. Nayo is a Mortgage Broker with Pineapple National Inc., a licensed mortgage brokerage in Manitoba (Licence No. MB 600871†). Rates, terms and program eligibility are not guaranteed by this page and are confirmed directly with A.J. and the lender at time of application. Nothing here is financial or legal advice.
Frequently asked questions
Does it cost anything to have my renewal reviewed?
How long before my renewal date should I reach out?
Will checking my renewal affect my credit score?
What if my current lender’s offer is already competitive?
Reserve your spot, then pick a time
Leave your details and we will hold your spot, then you go straight to A.J. Nayo's booking page to choose the time that suits you.
- Manitoba-licensed mortgage broker
- Access to multiple banks, credit unions & monoline lenders
- Renewal review at no cost to you
Prefer to talk? Call 431-323-7322.
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