Homeowners often remain with their current lender because of perceived time constraints, but it is important to assess current lender rates and terms during mortgage renewals by seeking guidance from a professional. Consider evaluating life changes affecting finances such as debt consolidation, home equity use, or property plans, and explore refinancing options to pay down the mortgage faster or leverage home equity. Remember to utilize top lenders in Canada for guidance and renewal options, avoid signing renewal forms without questioning to secure the best rate, and benefit from multiple lenders competing for the best rate. Take advantage of innovative tools in Canada for streamlined processes and optimal options.