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I don't think I've ever renewed any of my mortgages ever, I've almost always ended up breaking the mortgage and refinancing either due to rates or needs. I've been in this house close to 5 years and I've had to financed it 4 times for various reasons.
I've always been with TD and my guy has been helpful. Seems like the rates are not amazing at the moment.
EDIT: I don't know for sure, but I have a hunch that refinancing probably brings the agent more commission vs a straight renewal. If the terms for the refinance are better I don't see why not.
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