Many homeowners choose to stay with their current lender because they believe they don't have enough time to assess other options. However, I can provide guidance in evaluating current lender rates and terms during mortgage renewals. It is important to consider any life changes that may impact your finances and explore options such as debt consolidation, using home equity, or making changes to your property plans. Refinancing is another option to consider, whether it is to pay down the mortgage faster or to leverage home equity. By utilizing top lenders in Canada, you can receive guidance and explore renewal options. Don't be afraid to question and negotiate renewal forms to secure the best rate, as multiple lenders are competing for your business. You can also take advantage of innovative tools in Canada to streamline the process and find optimal options.