Homeowners often stay with their current lender because they feel pressed for time, but it's important to review rates and terms during mortgage renewals by reaching out for advice. Consider life changes that may affect finances, such as debt consolidation, using home equity, or adjusting property plans. Explore refinancing possibilities to pay off the mortgage faster or make use of home equity. Utilize top lenders in Canada for guidance and renewal options, and don't hesitate to question renewal forms to ensure the best rate. Take advantage of multiple lenders competing for the best rate and access innovative tools in Canada for efficient processes and optimal choices.