Many homeowners choose to stay with their current lender because they believe they do not have enough time to explore other options. However, I can provide guidance on assessing the rates and terms offered by your current lender during mortgage renewals. It is important to consider any life changes that may impact your finances, such as debt consolidation, using home equity, or property plans. Additionally, exploring refinancing options allows you to pay down your mortgage more quickly or leverage your home equity. Refinancing can also be beneficial in response to changes in interest rates, the need for additional funds, or adjustments to the amortization