Many homeowners tend to stay with their current lender because of time constraints. However, it is essential to assess current lender rates and terms during mortgage renewals by seeking guidance from an expert in the field. Life changes such as debt consolidation, home equity use, or property plans can have a significant impact on finances. It is crucial to explore refinancing options for leveraging home equity and paying down the mortgage faster. Utilize top lenders in Canada for guidance and renewal options. It is recommended to avoid signing renewal forms without questioning to secure the best possible rate. By doing so, homeowners can access innovative tools such as streamlined processes and optimal options that multiple lenders can offer while competing for the best rate.