Homeowners often stick with their current lender when renewing their mortgage due to time constraints, but it is important to assess rates and terms by contacting a financial advisor for guidance. It's crucial to evaluate any life changes that may impact finances and explore options such as debt consolidation, home equity use, or refinancing for paying down the mortgage faster. By utilizing top lenders in Canada, one can benefit from competitive rates and avoid signing renewal forms without questioning for the best rate. Take advantage of innovative tools available in Canada for a streamlined process and optimal options.