Every year, I remind my clients—and anyone with a mortgage—of the importance of an annual mortgage review. And every year, I often hear the same question: “Why would I need to review something that’s already in place?”

It's a fair question, but here’s the truth—your mortgage is likely the largest financial commitment you’ll ever make and ignoring it can cost you more than you think.

Compare it to something we all understand—vehicle maintenance. You wouldn’t drive your car for five years without changing the oil, checking the tires or making sure everything’s running smoothly. It’s the same with your mortgage. Without routine check-ups, you risk letting small inefficiencies build into costly problems—or missing out on opportunities to improve your financial performance.

Unfortunately, most Canadians........

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