Many homeowners tend to stay with their current lender because they believe that they do not have enough time to shop around. However, I can help you assess the rates and terms offered by your current lender during mortgage renewals. It is also important to consider any life changes that may affect your finances, such as debt consolidation, using home equity, or making changes to your property plans. If you are looking to pay down your mortgage faster or utilize your home equity, exploring refinancing options may be beneficial. Refinancing can also be considered for changes in interest rates, using more home equity, increasing the mortgage amount, or making adjustments to the amortization period. I work with top lenders in Canada who can provide guidance and renewal options. It is important to avoid signing renewal forms without questioning to ensure that you secure the best rate. By working with multiple lenders, we can get the best rate possible as they compete for your business. Take advantage of innovative tools available in Canada to streamline the process and find the optimal options for your mortgage.