Mortgage Blog
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Canadians Are Delaying Key Financial Milestones — Including Wills & Estate Plans
December 3, 2025 | Posted by: Angela Robinson
Even though inflation is cooling and rates have started to dip, many Canadians say it still doesn’t feel easier to get ahead financially. A new national report shows just 46% feel optimistic about their financial future — down sharply from last year.
And the biggest financial goals? They’re getting pushed further down the road:
- Debt repayment: 51% intended → 26% achieved
- Saving: 49% intended → 30% achieved
- Buying a home: 18% intended → 4% achieved
- Creating/updating a will: 36% intended → 9% achieved
Why? Because costs keep rising in new ways — from tariffs to higher bills to mortgage renewals. Nearly 1 in 3 Canadians saw their mortgage payments increase this year, forcing many to redirect money away from long-term planning.
Estate planning is taking a major hit too, even though 65% of Canadians say a parent dying without a will would cause major stress and financial complications.
What this means for homeowners & future buyers
Short-term pressure is real — but delaying big financial steps has long-term consequences. That’s why now is the time to:
✔️ Review your mortgage early
✔️ Explore options before your renewal forces your hand
✔️ Build a plan that protects both your home and your future
✔️ Take small steps that improve stability over time
If rising payments or financial delays are stressing you out, you’re not alone — and you’re not stuck.
At Alberta Mortgage Professionals, we help Canadians find clarity, stability, and strategies that actually move them forward… even when the economy feels like it’s standing in the way.
Reach us at 780 701 38888 or marc@albertamortgagepros.ca — your financial future deserves attention today, not “someday.”
