Is your mortgage still the right one?
Enmortgage Radar watches your mortgage for you, for free. Upload your annual statement once, and I'll track your rate, your penalty, and your renewal, and tell you when switching would actually save you money, after penalties and costs.
Start tracking my mortgage (free) →
★★★★★ Rated 5 stars by 120+ clients on Google
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[VIDEO PLACEHOLDER: Aldo intro video, 80 seconds]
How it works
1. Upload your statement and sign a quick form.
Your latest annual mortgage statement is all I need. Under BC's new Mortgage Services Act, I must confirm in writing that I'm acting for you, not a lender, before I can give you advice. It's one quick e-signature, and it means I'm legally required to act in your best interests. It doesn't commit you to anything: no cost, no obligation to switch or refinance, and you're never required to work only with me.
2. I analyze your mortgage.
Your rate, your lender's penalty rules, your renewal date, and how it all compares with today's market.
3. You hear from me when it matters.
Regular check-ins, plus a heads-up well before your renewal, so you're never stuck signing whatever letter your bank sends.
What a Radar check-in looks like
Your Radar summary: [Month Year]
Current mortgage: 5.33% fixed, about 30 months remaining
Estimated penalty to break today: $7,600
Best comparable rate available: 3.89%
Interest savings over remaining term: ~$18,000
Legal and switching costs: ~$800
Net result: about $9,600 saved by switching now
Recommendation: let's talk. Even after the penalty, switching now would save you about $9,600 over your remaining term. I'll walk you through the options, and the decision is yours.
Example for illustration only.
Most of the time, Radar will tell you you're in the right spot, and that's the point.
A lower rate isn't always a saving once penalties, plans and circumstances are considered.
But when the numbers do favour a change, like in this example, you'll know first.
Why a lower rate isn't the whole story
Mortgage penalties vary enormously between lenders. Some calculate penalties using their posted rates, which can make breaking a mortgage far more expensive than people expect.
Did your bank tell you that you got a rate discount? It may make your penalty much larger than you think. Radar checks.
Radar factors in your lender's actual penalty rules, so every recommendation reflects your real cost, not just the rate.
Who's on your side?
A bank's mortgage specialist works for the bank, and they can only offer that bank's products.
As a licensed mortgage broker under BC's new Mortgage Services Act, I'm legally required to act in your best interests, and I compare options across many lenders.
Same conversation, very different starting point.
Who I am
Aldo Heberlein
Mortgage Strategist | Founder of Enmortgage
Mechanical engineer and MBA turned mortgage strategist. I've helped hundreds of clients secure smarter mortgages by asking better questions, planning ahead, and protecting their flexibility. Radar is how I keep doing that long after closing day.
★★★★★ 120+ five-star Google reviews
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Start tracking your mortgage
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Your statement is used only to analyze your mortgage and send you Radar updates. Your information is stored securely in Canada and is never sold or shared. You can unsubscribe and ask us to delete your information at any time.
Frequently asked questions
Is it really free?
Yes. There's no cost and no obligation. If a switch ever makes sense, I'll show you the numbers and you decide.
Why do I need to sign a form?
BC's new Mortgage Services Act requires mortgage brokers to formally establish a client relationship before giving advice. The form (Form 1A) confirms that I represent you, not a lender, and sets out the duties I owe you, including acting in your best interests. It doesn't commit you to switching, refinancing, or using my services for anything else.
Do I have to switch my mortgage?
No. Many Radar members never switch, because their current mortgage is the right one. Radar is there so you know.
My mortgage is with a big bank. Does that matter?
It can matter a lot. Several big banks calculate penalties using posted rates, which can make breaking a mortgage expensive. Radar accounts for this.
I can't find my annual statement.
No problem. Fill in the basic details on the form instead (lender, balance, rate, and renewal date), and you can send your statement later.
Can I stop at any time?
Yes. Every update includes an unsubscribe link, or just reply and let me know.
Prefer to talk it through?
Book a strategy call and we'll go through your mortgage together.
