Homeowners often stay with their current lender during mortgage renewals due to time constraints, but it is important to assess rates and terms by seeking guidance from experts. Consider life changes that may affect finances such as debt consolidation, home equity use, or property plans, and explore refinancing options to pay the mortgage faster or leverage home equity. Utilize top lenders in Canada for guidance and renewal options, avoiding signing renewal forms without questioning to secure the best rate. Take advantage of multiple lenders competing for the best rate and access innovative tools in Canada for streamlined processes and optimal options.