Some homeowners choose to stay with their current lender because they feel they don't have the time to explore other options. 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 impact your finances, such as debt consolidation, using home equity, or property plans. If you are interested in paying off your mortgage faster or leveraging your home equity, I can help you explore refinancing options. Refinancing can also be beneficial for changes in interest rates, equity use, increased mortgage amounts, or adjustments to the amortization period. I work with top lenders in Canada who can provide guidance and renewal options. It is crucial to not sign renewal forms without questioning and to shop around for the best rate, as multiple lenders are competing for your business. In Canada, there are innovative tools available to streamline the process and provide optimal options for you.