Many homeowners choose to stick with their current lender because they believe it saves them time. However, I can provide guidance on assessing rates and terms from your current lender during mortgage renewals. It is important to evaluate any life changes that may affect your finances, such as consolidating debt, using home equity, or making property plans. Additionally, exploring options for refinancing can help you pay off your mortgage faster or make use of your home equity. Refinancing can also be beneficial in the case of changes in rates, using more equity, increasing your mortgage amount, or adjusting your amortization. I can help you make the most of top lenders in Canada and ensure you don't sign renewal forms without questioning, which could result in securing the best rate. By accessing innovative tools available in Canada, we can streamline the process and provide you with optimal options.