Many homeowners choose to stay with their current lender because they feel like they don't have enough time to explore other options. However, I can help you assess the rates and terms offered by your current lender during mortgage renewals. It's important to also consider any life changes that may affect your finances, such as consolidating debt, using your home equity, or making plans for your property. If you're interested in paying off your mortgage faster or leveraging your home equity, it may be worth exploring refinancing options. Don't hesitate to reach out to me for guidance and to explore renewal options with top lenders in Canada. It's crucial to question renewal forms and not simply sign them without considering other options to secure the best rate. By doing so, you can benefit from multiple lenders competing for the best rate. Additionally, there are innovative tools available in Canada that can streamline the process and provide you with optimal options.