The Mortgage Renewal Survival Guide
If your mortgage is up for renewal, or you’re juggling debt on a fixed income, it’s easy to feel overwhelmed. This free guide offers real-world advice to help you stay in control, protect your home, and move forward with confidence.
- Date:
- Author: Spergel
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Millions of Canadians are facing significantly higher mortgage payments
With nearly half of all mortgages in Canada renewing by the end of 2026, many homeowners are facing dramatically higher monthly payments. Our guide is here to help you understand your options and make a plan to protect what matters most—whether you’re working, semi-retired, or fully retired.
See What’s Inside
- Take our “Mortgage Stress Check” to see if your current financial situation is putting you at risk.
- Learn what your bank isn’t telling you about mortgage renewals and how to negotiate better terms.
- Understand the debt traps facing many Canadians, including the risks of HELOCs and reverse mortgages.
- Discover real options that work, including how a consumer proposal can reduce debt and protect your home.
- Read real stories from Canadians who found relief and a path forward with Spergel.
Empower yourself
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