Many homeowners stick with their current lender during mortgage renewals due to perceived time constraints, but it’s important to reassess rates and terms by consulting with me for expert guidance. Consider any life changes affecting your finances, such as debt consolidation, using home equity, or future property plans. Refinancing can help pay down your mortgage faster, leverage equity, or adjust terms like amortization. Take advantage of Canada’s top lenders and innovative tools to explore competitive options, and never sign renewal forms without reviewing them carefully to ensure you secure the best possible rate through lender competition.