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B to A lender

You have done the work. Your mortgage should reflect it.

A B-lender mortgage is often a deliberate step. After a stretch of on-time payments, stronger credit and documented income, many homeowners can qualify with prime A lenders at lower rates. We help you check readiness before you apply.

Start a b to a lender enquiry Run the numbers

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This may be for you if

  • You have been with a B lender for one term or more
  • Your credit score has recovered and payments have been on time
  • Your income is now documented with T4s, NOAs or two years of business financials
  • Your renewal with the B lender is approaching
  1. 01

    Readiness check

    We review credit, income documents and debt ratios against typical A-lender guidelines, including the stress test.

  2. 02

    Close any gaps

    If something would hold back an approval, we tell you what and roughly how long it may take to address.

  3. 03

    Switch at the right time

    Ideally at maturity, to avoid penalties. We compare A-lender offers and walk you through every cost.

Your estimate

Try your own numbers.

Illustrative comparison

What could your payment look like?

Today
Proposed

Today

$7,004/mo

Proposed

$5,816/mo

Estimated monthly payment relief

$1,188

$14,257 per year lower

Interest over 36-month term
$202,148 vs $143,852
Principal repaid in term
$50,002 vs $65,526
Interest saved, after costs
$53,296
Costs recovered in
5 months
  • Payment relief and interest savings are different. Both are illustrative estimates only.
Talk it through with a broker

Optional. You don't need to share contact details to use this calculator. Results are estimates using Canadian semi-annual compounding, are not rate offers, and approval is not guaranteed.

Illustration A · hypotheticalNot a real client

From a B lender to an A lender

Estimated monthly payment relief

$1,188

$7,004 → $5,816 /mo

Balance
$1,000,000, no new borrowing
Today
7% amortizing, 25 yrs
Proposed
5% amortizing, 25 yrs
Term compared
3 years
Assumed costs
$5,000
Interest saved after costs
$53,296

Same amortization on both sides, so the difference reflects the rate. Rates are hypothetical, not current offers. Excludes taxes, insurance, prepayment privileges and any penalty not included in costs. Approval is not guaranteed.

Tradeoffs to weigh

  • A lenders apply stricter qualification rules, including the federal stress test for most files.
  • Switching before maturity can trigger a prepayment penalty that may outweigh the payment difference.
  • Lower payments do not automatically mean lower total interest if the amortization is extended.

Eligibility

  • A lenders typically require documented income, strong recent credit and debt ratios within guidelines.
  • Each lender sets its own criteria; approval is never guaranteed.

Questions people ask us

Independent guidance

Ready when you are.

Your enquiry arrives marked "B to A lender" so we can prepare before we call.

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Other paths:RenewalsPrivate to B lenderHELOC & debt consolidation