Taking the time to explore your mortgage options before your renewal date is always advantageous. While your existing lender may send a renewal form well in advance of your term expiration, it is crucial not to simply sign and return it. Typically, lenders do not present the most favorable terms upfront, and your financial needs and objectives may have evolved since you initially obtained the mortgage. We will carefully assess whether renewing your mortgage with your current lender is the best choice or if transferring/switching to a new lender offers more favorable terms and aligns better with your current needs and goals. We are here to ensure that you make an informed decision that optimizes your mortgage arrangements.