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
Money Tips, Tools & Trackers, Research, Articles, Media and More!
Is Spergel legit? What you need to know before choosing a debt help company
Yes, Spergel is a legitimate Licensed Insolvency Trustee firm in Canada, regulated by the federal government.
This means that Spergel is legally authorized to help Canadians reduce or eliminate debt.
Why are groceries so expensive in Canada? (2026 update)
Canadians have been facing skyrocketing grocery bills in recent years, with a family of four looking to have to fork out around $800 more for food in 2025.
The cost of living in British Columbia (2026): monthly expenses, cities, and income needed
Living in British Columbia offers stunning scenery, thriving cities, and a desirable lifestyle – but all of that comes at a cost.
The cost of living in Ontario in 2026: monthly expenses, cities, and salary needed
Whether you already live in Ontario or are planning a move, understanding the true cost of living in 2026 is essential. With rising housing costs, grocery prices, and rising interest rates still impacting household budgets, many Ontarians are feeling financial pressure.
Why you should never pay a collection agency
If you fall behind on payments for credit cards, loans, tax debt, or other bills, your creditor may eventually send the account to a collection agency.
Real life client story: She didn’t just file, she finished. A 60-month consumer proposal
How student debt and living paycheque to paycheque overwhelmed a young student – and how she found a fresh start.
Real life client story: When a business didn’t work out, debt followed – and asking for help changed everything
How a business setback and rising debt left a mother feeling overwhelmed – and how seeking help restored stability.
Real life client story: From injury to financial crisis: how a pro athlete rebuilt stability through a consumer proposal
How a career-changing injury left a professional athlete facing overwhelming debt – and how a consumer proposal gave his family stability and hope.
Real life client story: How a consumer proposal helped Ruby rebuild her mental health and stability
How debt, betrayal, and wage garnishment pushed a young professional to the breaking point – and how a consumer proposal helped her rebuild her mental health and stability.
Surplus income limits in Canada – updated for 2026
Each year, the Office of the Superintendent of Bankruptcy (OSB) updates the surplus income limits for individuals filing for bankruptcy in Canada.
Tax Stress Survey 2026: A cash-flow stress test for Canadians
In a survey of 210 Canadians, many expect to owe money, some report cutting back on essentials. Payment arrangements are becoming the default plan for managing CRA balances.
2026 Canada tax deadline: when to file and when to pay
If you’re filing your 2025 income tax return in 2026, it’s important to know exactly when your return is due – and when payment is required.
Grocery Debt: the “New Normal” for Canadians in 2026: What Spergel’s survey reveals
A recent survey of Canadians reveals a startling shift in how we buy food. Over 60% of respondents report skipping meals or reducing portions to save money. This report explores the “credit orbit” and the rising trend of juggling bills to afford basic essentials.
The average cost of living in Canada: a breakdown by province in 2026
The average cost of living in Canada can vary significantly depending on where you live, making it crucial for individuals and families to understand these differences when planning their budgets.
Informal Debt Settlement in Canada (2026): How it Works, Risks, and Better Alternatives
Many Canadians want to get out of debt without filing anything formal – no bankruptcy, no consumer proposal, no court
Retirement Debt Guide
A free, practical guide to help you understand your debt relief options, protect what matters most, and move into retirement with confidence.
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