According to CMHC, over 1 million Canadian households will be renewing their mortgages in 2025. If you’re one of them, this could be an ideal time to take a fresh look at your financial strategy.

It’s not just about interest rates—it’s about your financial goals, priorities, and long-term plans.

🔁 Mortgage Renewal = A Fresh Opportunity

When your mortgage comes up for renewal, it’s more than just signing on the dotted line. It’s an opportunity to ask:

• Is my current debt structure supporting my goals?
• Can I improve my monthly cash flow?
• What other financial strategies might be available to me?

💡 Consider This Scenario:

Some Canadians choose to explore consolidating high-interest debts into a mortgage renewal or through a Home Equity Line of Credit (HELOC). This can potentially reduce monthly payments, simplify finances, and reallocate funds toward other priorities.

Depending on individual circumstances, some have used this opportunity to:

• Tackle credit card debt more efficiently
• Increase monthly savings or contributions to investment accounts
• Direct funds toward future goals like education or home upgrades

If this sounds worth exploring, a licensed mortgage professional can provide the details—and we can help you connect with one of our trusted referral partners.

🎯 Planning Beyond the Interest Rate

Your mortgage renewal isn’t just about rates. It’s about understanding how this moment fits into your bigger financial picture.

Our team at Arlene Financial can help you:

• Evaluate your financial situation holistically
• Clarify goals and priorities
• Explore debt management strategies
• Coordinate with mortgage professionals to align your renewal with your long-term financial plan

🔍 Your Financial Strategy Matters

Don’t let your renewal date arrive without a plan. Whether you’re looking to reduce stress, build wealth, or just take control of your finances, having a strategy makes all the difference.

📅 Book a complimentary consultation and let’s talk through your options together.

Disclaimers

World Financial Group (WFG) is a financial services marketing company whose affiliates offer a broad array of financial products and services. World Financial Group Insurance Agency of Canada Inc. (WFGIA) offers life insurance and segregated funds. WFG Securities Inc. offers mutual funds.
WFG, WFGIA and WFGS are affiliated companies.
Headquarters: 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9. Phone: 416.225.2121

This material is intended for educational purposes only. It should not be considered tax, legal, mortgage, or debt consolidation advice. Please consult with a qualified mortgage professional, tax advisor, or legal professional for guidance based on your personal situation.ate a plan that works for you. Your mortgage isn’t just about money—it’s about the life you want to build.