Homeowners often stay with their current lender due to time constraints, but it is important to assess rates and terms during mortgage renewals by seeking guidance from experts. Consider evaluating life changes that may impact finances and explore options such as debt consolidation, home equity use, or refinancing for paying down the mortgage faster or leveraging home equity. It is recommended to use top lenders in Canada for guidance, avoid signing renewal forms without questioning, and benefit from multiple lenders competing for the best rate. Take advantage of innovative tools in Canada for streamlined processes and optimal options.