Many homeowners remain with their current lender due to perceived time constraints, but it’s important to reassess mortgage rates and terms during renewals by consulting with me for expert guidance. Consider how life changes affect your finances, such as debt consolidation, using home equity, or future property plans. Refinancing can help pay down your mortgage faster or leverage equity, and may include adjusting rates, mortgage amounts, or amortization. Take advantage of top Canadian lenders and innovative tools that simplify the process, allowing multiple lenders to compete for your business. Always review renewal offers carefully to secure the best possible rate.