06/05/2026
A shift worth paying attention to… 📊🏡
Canadian seniors are now more likely to carry a mortgage than young adults. A rising share of people near or in retirement still carry mortgage payments, about 29%. (Source: Canadian Mortgage Trends)
It’s a surprising shift—especially considering previous generations were more than twice as likely to own their homes before 35.
So what’s changed?
Rising home prices, longer amortizations, and evolving financial strategies mean many Canadians are entering retirement with a mortgage—not without one.
And that’s not necessarily a problem… when it’s planned for properly. ✨
This is where the right guidance matters.
I specialize in helping seniors navigate their mortgage options with clarity and confidence—whether that means restructuring, accessing equity, or creating a plan that supports the lifestyle you’ve worked so hard for. 🤍
Retirement should feel secure, flexible, and aligned with your goals—not limited by uncertainty.
If you’re thinking about the next chapter, let’s make sure your mortgage is working for you—not against you. 💬
Andrea Bedford
Mortgage Agent Level 2
Mortgage Architects
Brokerage #12728
519-373-4019
[email protected]
