if your mortgage is renewing this year you are among the many that is up for Renewal this year do yourself a favor shop your rate around don't sign on the dotted line when the bank offers you a renewal rate do yourself a favor see if you can get a better better rate speak to professional a mortgage broker your bank find out if this is actually the best option for you you might find that refinancing your mortgage is the better option because you can get rid of some Consumer Debt and free up cash flow cash is King right now you want to have more in your pocket