Homeowners often stay with their current lender due to time constraints, but it is important to assess rates and terms during mortgage renewals by seeking guidance. Consider life changes affecting finances and explore options such as debt consolidation, home equity use, and property plans. Refinancing can help pay down the mortgage faster, leverage home equity, adjust amortization, or accommodate changes in rates and mortgage amounts. Use top lenders in Canada for renewal guidance and avoid renewing without questioning to secure the best rate. Take advantage of multiple lenders competing for the best rate and access innovative tools in Canada for efficient processes and optimal options.