Many homeowners choose to stay with their current lender because they feel they don't have the time to explore other options. However, I can help by assessing the rates and terms offered by your current lender when it comes time to renew your mortgage. It's important to also consider any life changes that may affect your finances, such as consolidating debt, using home equity, or making changes to your property plans. If you're interested in paying down your mortgage faster or leveraging your home equity, refinancing is a great option to explore. Additionally, don't be afraid to question the renewal forms you are presented with, as there may be better rates available from other lenders. By utilizing top lenders in Canada and accessing innovative tools, you can streamline the process and find the best renewal options for your needs.