Many homeowners choose to stay with their current lender because they believe it will save them time. However, it is important to assess the rates and terms of your current lender when renewing your mortgage. I can provide guidance on how to do this. It is also important to evaluate any life changes that may impact your finances and consider options such as debt consolidation, using home equity, or making changes to your property plans. Additionally, exploring refinancing options can help you pay down your mortgage faster or utilize your home equity. Make sure to avoid signing renewal forms without questioning and take advantage of the competition between lenders to secure the best rate. Finally, Canada offers innovative tools to streamline the process and provide optimal options for homeowners.