{"id":17013,"date":"2023-01-21T14:38:28","date_gmt":"2023-01-21T14:38:28","guid":{"rendered":"https:\/\/hypotheques.ca\/renouvellement-hypothecaire\/"},"modified":"2026-10-23T12:35:14","modified_gmt":"2026-10-23T12:35:14","slug":"mortgage-renewal","status":"publish","type":"page","link":"https:\/\/hypotheques.ca\/en\/mortgage-renewal\/","title":{"rendered":"Mortgage renewal"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"17013\" class=\"elementor elementor-17013 elementor-12165\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ffe0c9e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ffe0c9e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;mountains&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" opacity=\"0.33\" d=\"M473,67.3c-203.9,88.3-263.1-34-320.3,0C66,119.1,0,59.7,0,59.7V0h1000v59.7 c0,0-62.1,26.1-94.9,29.3c-32.8,3.3-62.8-12.3-75.8-22.1C806,49.6,745.3,8.7,694.9,4.7S492.4,59,473,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" opacity=\"0.66\" d=\"M734,67.3c-45.5,0-77.2-23.2-129.1-39.1c-28.6-8.7-150.3-10.1-254,39.1 s-91.7-34.4-149.2,0C115.7,118.3,0,39.8,0,39.8V0h1000v36.5c0,0-28.2-18.5-92.1-18.5C810.2,18.1,775.7,67.3,734,67.3z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M766.1,28.9c-200-57.5-266,65.5-395.1,19.5C242,1.8,242,5.4,184.8,20.6C128,35.8,132.3,44.9,89.9,52.5C28.6,63.7,0,0,0,0 h1000c0,0-9.9,40.9-83.6,48.1S829.6,47,766.1,28.9z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<header class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-470e7247\" data-id=\"470e7247\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-beb4cdb elementor-widget elementor-widget-heading\" data-id=\"beb4cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Renew your mortgage with the best conditions now<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e028a81 elementor-widget__width-auto elementor-widget elementor-widget-breadcrumbs\" data-id=\"4e028a81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span id=\"breadcrumbs\"><span><span><a href=\"https:\/\/hypotheques.ca\/\">Home<\/a><\/span><\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/header>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4d0b0c10\" data-id=\"4d0b0c10\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a8eb1ce elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"a8eb1ce\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-cab9288\" data-id=\"cab9288\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b59071d elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-18467 elementor-widget-html\" data-id=\"b59071d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Hypotheques.ca \u00b7 formulaire \u00ab Information request \u00bb (EN) \u00b7 emplacement : home \u00b7 reli\u00e9 au portail courtier (fonction site-demande) -->\n<style>\n.hq-form{--hq-navy:#1a2b4c;--hq-red:#d72027;--hq-border:#e6e8ee;--hq-muted:#78829a;font-family:-apple-system,\"Segoe UI\",Roboto,Arial,sans-serif;color:var(--hq-navy);max-width:640px;margin:0 auto;background:#fff;border:1px solid var(--hq-border);border-radius:16px;padding:26px 24px;box-shadow:0 10px 30px rgba(26,43,76,.08);box-sizing:border-box}\n.hq-form *{box-sizing:border-box}\n.hq-form h3{margin:0 0 4px;font-size:22px;line-height:1.25;color:var(--hq-navy)}\n.hq-form .hq-sous{margin:0 0 18px;color:var(--hq-muted);font-size:14px}\n.hq-form .hq-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}\n@media (max-width:560px){.hq-form .hq-grid{grid-template-columns:1fr}}\n.hq-form .hq-f{display:flex;flex-direction:column;gap:5px}\n.hq-form .hq-f.full{grid-column:1\/-1}\n.hq-form label{font-size:13px;font-weight:600;color:var(--hq-navy)}\n.hq-form input,.hq-form select,.hq-form textarea{width:100%;border:1px solid var(--hq-border);border-radius:10px;padding:0 12px;height:46px;font-size:15px;font-family:inherit;color:var(--hq-navy);background:#fff;outline:none;transition:border-color .15s,box-shadow .15s}\n.hq-form textarea{height:auto;min-height:96px;padding:10px 12px;resize:vertical}\n.hq-form input:focus,.hq-form select:focus,.hq-form textarea:focus{border-color:var(--hq-red);box-shadow:0 0 0 3px rgba(215,32,39,.12)}\n.hq-form .hq-f.err input,.hq-form .hq-f.err select{border-color:var(--hq-red);background:#fff7f7}\n.hq-form .hq-msg{font-size:12.5px;color:var(--hq-red);min-height:0}\n.hq-form .hq-sugg{color:var(--hq-navy);text-decoration:underline;cursor:pointer;font-weight:600}\n.hq-form .hq-btn{margin-top:6px;width:100%;height:50px;border:none;border-radius:999px;background:var(--hq-red);color:#fff;font-size:16px;font-weight:700;cursor:pointer;font-family:inherit;transition:background .15s,transform .1s}\n.hq-form .hq-btn:hover{background:#b81b21}.hq-form .hq-btn:active{transform:scale(.99)}.hq-form .hq-btn[disabled]{opacity:.6;cursor:default}\n.hq-form .hq-consent{margin:10px 0 0;font-size:11.5px;color:var(--hq-muted);line-height:1.45}\n.hq-form .hq-ok{display:none;text-align:center;padding:28px 10px}\n.hq-form .hq-ok .hq-check{width:58px;height:58px;border-radius:50%;background:#dcfce7;color:#15803d;display:inline-flex;align-items:center;justify-content:center;font-size:30px;font-weight:800;margin-bottom:12px}\n.hq-form .hq-ok p{font-size:16px;margin:0;color:var(--hq-navy)}\n.hq-form .hq-global{display:none;margin:0 0 12px;padding:10px 14px;border-radius:10px;background:#fde8e9;color:var(--hq-red);font-size:13.5px;font-weight:600}\n.hq-form .hq-hp{position:absolute;left:-9999px;opacity:0;height:0;width:0;overflow:hidden}\n<\/style>\n<div class=\"hq-form\" data-hq=\"{&quot;lang&quot;: &quot;en&quot;, &quot;requis&quot;: &quot;Please fill in this field.&quot;, &quot;envoi&quot;: &quot;Sending\u2026&quot;, &quot;merci&quot;: &quot;Thank you! We have received your request and will contact you shortly.&quot;, &quot;erreur&quot;: &quot;An error occurred. Please call us at 514 447-3000.&quot;}\" data-emplacement=\"home\" lang=\"en\">\n  <h3>Information request<\/h3>\n  <p class=\"hq-sous\">A broker will call you back shortly. No fees, no obligation.<\/p>\n  <div class=\"hq-global\" role=\"alert\"><\/div>\n  <form novalidate autocomplete=\"on\">\n    <div class=\"hq-grid\">\n      <div class=\"hq-f\"><label>First name *<\/label><input name=\"prenom\" type=\"text\" autocomplete=\"given-name\" required><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>Last name *<\/label><input name=\"nom\" type=\"text\" autocomplete=\"family-name\" required><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>Email *<\/label><input name=\"courriel\" type=\"email\" autocomplete=\"email\" inputmode=\"email\" required><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>Phone *<\/label><input name=\"telephone\" type=\"tel\" autocomplete=\"tel\" inputmode=\"tel\" placeholder=\"514 000-0000\" required><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>Employment type *<\/label><select name=\"type_emploi\" required><option value=\"\">Choose\u2026<\/option><option value=\"salarie\">Employee<\/option><option value=\"autonome\">Self-employed<\/option><option value=\"retraite\">Retired<\/option><\/select><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f\"><label>What do you need? *<\/label><select name=\"besoin\" required><option value=\"\">Choose\u2026<\/option><option value=\"preautorisation\">Mortgage pre-approval<\/option><option value=\"approbation\">Get a mortgage approval<\/option><option value=\"renouvellement\">Mortgage renewal<\/option><option value=\"transfert\">Transfer my mortgage to another lender<\/option><option value=\"refinancement\">Mortgage refinancing<\/option><option value=\"marge\">Refinancing with a home equity line of credit<\/option><option value=\"autonome\">Mortgage for self-employed (less than 2 years)<\/option><option value=\"prive\">Private loan or alternative solutions<\/option><option value=\"location_achat\">Rent-to-own<\/option><option value=\"inversee\">Reverse mortgage (CHIP)<\/option><\/select><div class=\"hq-msg\"><\/div><\/div>\n      <div class=\"hq-f full\"><label>Your message (optional)<\/label><textarea name=\"message\" placeholder=\"Tell us about your project in a few words\"><\/textarea><div class=\"hq-msg\"><\/div><\/div>\n    <\/div>\n    <div class=\"hq-hp\" aria-hidden=\"true\"><label>Site web<\/label><input name=\"site_web\" type=\"text\" tabindex=\"-1\" autocomplete=\"off\"><\/div>\n    <button type=\"submit\" class=\"hq-btn\">Send my request<\/button>\n    <p class=\"hq-consent\">By sending this form, you agree to be contacted by Hypotheques.ca about your request.<\/p>\n  <\/form>\n  <div class=\"hq-ok\"><div class=\"hq-check\">\u2713<\/div><p>Thank you! We have received your request and will contact you shortly.<\/p><\/div>\n<\/div>\n<script>\n(function(){\n  if (window.__hqFormInit) { window.__hqFormInit(); return; }\n  var ENDPOINT = \"https:\/\/dgrwzixjbxhefjabrysv.supabase.co\/functions\/v1\/site-demande\";\n  function utm(){ try { var p = new URLSearchParams(location.search), o = {}, n = 0; p.forEach(function(v, k){ if (\/^utm_\/i.test(k) && n < 8){ o[k] = v; n++; } }); return n ? o : null; } catch (e) { return null; } }\n  function init(){\n    document.querySelectorAll(\".hq-form[data-hq]:not([data-hq-pret])\").forEach(function(root){\n      root.setAttribute(\"data-hq-pret\", \"1\");\n      var form = root.querySelector(\"form\"), btn = root.querySelector(\".hq-btn\"), glob = root.querySelector(\".hq-global\"), ok = root.querySelector(\".hq-ok\");\n      var T = JSON.parse(root.getAttribute(\"data-hq\"));\n      var t0 = Date.now();\n      function champ(k){ return root.querySelector('[name=\"' + k + '\"]'); }\n      function erreurChamp(k, msg, sugg){\n        var f = champ(k); if (!f) return; var wrap = f.closest(\".hq-f\"); wrap.classList.add(\"err\");\n        var m = wrap.querySelector(\".hq-msg\"); m.innerHTML = msg + (sugg ? 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champ(\"type_emploi\").value, besoin: champ(\"besoin\").value, message: champ(\"message\").value,\n          page_url: location.href, page_titre: document.title, emplacement: root.getAttribute(\"data-emplacement\") || null, utm: utm(),\n          site_web: champ(\"site_web\").value, t: t0\n        };\n        btn.disabled = true; var lib = btn.textContent; btn.textContent = T.envoi;\n        fetch(ENDPOINT, { method: \"POST\", headers: { \"Content-Type\": \"application\/json\" }, body: JSON.stringify(corps) })\n          .then(function(r){ return r.json().then(function(j){ return { s: r.status, j: j }; }); })\n          .then(function(x){\n            if (x.j && x.j.ok){ form.style.display = \"none\"; ok.querySelector(\"p\").textContent = x.j.message || T.merci; ok.style.display = \"block\"; try { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ event: \"hq_formulaire_envoye\", emplacement: corps.emplacement, besoin: corps.besoin, langue: T.lang }); } catch (e) {} return; }\n            var err = (x.j && x.j.error) || T.erreur;\n            if (x.j && x.j.champ && champ(x.j.champ)) erreurChamp(x.j.champ, err, x.j.suggestion); else { glob.textContent = err; glob.style.display = \"block\"; }\n          })\n          .catch(function(){ glob.textContent = T.erreur; glob.style.display = \"block\"; })\n          .then(function(){ btn.disabled = false; btn.textContent = lib; });\n      });\n    });\n  }\n  window.__hqFormInit = init;\n  if (document.readyState === \"loading\") document.addEventListener(\"DOMContentLoaded\", init); else init();\n})();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b61711d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b61711d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f109d4f\" data-id=\"f109d4f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c9f2a5 elementor-widget__width-initial icon-position-mobile-top icon-vertical-align-mobile-start content-align-left icon-box-vertical-align-top icon-position-left icon-vertical-align-start elementor-widget elementor-widget-the7_icon_box_widget\" data-id=\"6c9f2a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_box_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"the7-box-wrapper the7-elementor-widget the7_icon_box_widget-6c9f2a5\">\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<a class=\"elementor-icon-div\" >\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-question-circle\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t<a >\t\t\t\t\t\t\t\tDid you know that?\t\t\t\t\t\t\t<\/a>\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Even if your mortgage is not yet due, you can lock in a rate 4 months before.<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9926107 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9926107\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-357520c\" data-id=\"357520c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2630171 elementor-widget elementor-widget-image\" data-id=\"2630171\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"1024\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D&apos;http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg&apos; viewBox%3D&apos;0 0 768 1024&apos;%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-768x1024.jpg\" class=\"lazy-load attachment-large size-large wp-image-16608\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-768x1024.jpg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-225x300.jpg 225w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-1152x1536.jpg 1152w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv-1536x2048.jpg 1536w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234aa08b59e37e64bf90698_Service-renouvellement-rdv.jpg 1728w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-20e5226\" data-id=\"20e5226\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4c9fb8 elementor-widget elementor-widget-heading\" data-id=\"c4c9fb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-medium\">MORTGAGE RENEWAL<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-febeb43 elementor-widget elementor-widget-heading\" data-id=\"febeb43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mortgage renewal, an urban legend that has a hard skin<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2d17b1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b2d17b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad4c7fc elementor-widget elementor-widget-text-editor\" data-id=\"ad4c7fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There is an unjustified belief among the population that every 5 years, you have to renew your mortgage with the same bank!<br \/>\u200d<br \/>This is 100% false.<br \/>Precisely, it is in your best interest to change and play the competition because it is often during the\u00a0renewal\u00a0that the banks take advantage to change the contract in their favor without you really realizing it.<br \/>Mortgage rate or conditions, everything can be changed as they please.<br \/>\u200d<br \/>If you are not careful, you will leave a lot of money on the table in the end.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ff4b62 elementor-widget elementor-widget-spacer\" data-id=\"0ff4b62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2b503d5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b503d5\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-97a77f0\" data-id=\"97a77f0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c39e56 elementor-widget elementor-widget-heading\" data-id=\"0c39e56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">MORTGAGE RENEWAL<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44c633b elementor-widget elementor-widget-heading\" data-id=\"44c633b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">To renew your mortgage, you need to be accompanied.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8ff05c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a8ff05c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8fb8730 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8fb8730\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0bafe45\" data-id=\"0bafe45\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42cb098 animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"42cb098\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-7001\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7001\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Pay attention to rates<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-7001\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7001\"><p>Since you originally applied for your loan, mortgage rates will have changed. Better or not, they will be different. And your situation has probably changed too.<\/p><p>To get a clear idea of what you are entitled to, you should check with the various financial institutions.<\/p><p>But contacting all the banks and lenders is a long and tedious job. The jargon can be very technical and you can get lost.<\/p><p>So to avoid leaving thousands of dollars on the table and not waste time contacting all the banks one by one, call us.<\/p><p>We are brokers affiliated with no bank.<\/p><p>Our point of view is neutral.<br \/>Well, not quite. In fact, we work for you and not for the banks. So we&#8217;re going to get the best for you, not for them.<\/p><p>Especially since, as a professional accredited by the AMF (Autorit\u00e9 des march\u00e9s financiers.) we have access to other lenders and conditions that you can&#8217;t get otherwise.<\/p><p><a class=\"button\" href=\"https:\/\/hypotheques.ca\/en\/contact\">Fill out the free online form<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-7002\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7002\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Penalties and hidden risks on renewal.<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-7002\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7002\"><p>The biggest risk at renewal is that you may end up with a contract that imposes heavy penalties if you change the terms of the contract, want to close the loan early or even have to defer payments.<\/p><p>The last 2 years have shown us how important it is to have a good contract to cover all eventualities.<\/p><p>These little hidden lines, they don&#8217;t exist in our house. We explain them to you in full. That way, no surprises!<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-7003\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7003\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Important points to watch out for<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-7003\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7003\"><ol><li><strong>Knowing your mortgage\u00a0renewal\u00a0date.<br \/><\/strong>Renewing your mortgage with a new lender involves some processing time. And while our mortgage brokers can sometimes work miracles, we need to know your\u00a0renewal\u00a0date to properly prepare your file.<\/li><li><strong>Make sure your situation will be optimal to get the best terms.<\/strong><br \/>To get a better rate, it&#8217;s best to have a good credit score. So this is not the time to buy a new SPA for your home. Our brokers can give you advice on how to present your file in the best way. We are familiar with the banks&#8217; criteria and they are all different depending on the institution you want to deal with.\u00a0<a href=\"https:\/\/hypotheques.ca\/en\/contact\/\">Call us at<\/a><\/li><li><strong>Monitoring the markets.<\/strong><br \/>Rates are dependent on the markets. We constantly monitor them for you. If we think they may rise before we finalize your application, we will lock them for you. It is possible to lock them up to 4 months in advance!<\/li><\/ol><p>All the more reason to contact us early!<\/p><p><a class=\"button\" href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\" rel=\"noopener\">We accompany you<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-7004\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-7004\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What are the legal implications?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-7004\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-7004\"><p>Refinancing\u00a0involves going back to the notary to sign the new deed of loan. Of course, you will be responsible for paying off the new mortgage in full.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-7005\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-7005\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"far fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-check-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Policy of transparency and understanding.<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-7005\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-7005\"><p><strong>At hypotheques.ca we have a policy of total transparency.<\/strong><\/p><p>If you don&#8217;t understand a\u00a0term, we have made a glossary to help you.<\/p><p>Everything must be clear to you. This is our commitment.<\/p><p><a class=\"button w-button\" href=\"https:\/\/hypotheques.ca\/en\/glossary\">Click here to discover it.<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-05e8189 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05e8189\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-af743c9\" data-id=\"af743c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a889300 elementor-widget elementor-widget-heading\" data-id=\"a889300\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">SERVICES<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be4fb57 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"be4fb57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discover our other services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85cf0d2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"85cf0d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2b36502 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"2b36502\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8cc52be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8cc52be\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5d87037\" data-id=\"5d87037\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b2a466c elementor-widget__width-initial content-align-mobile-left icon-position-mobile-top icon-vertical-align-mobile-start content-align-left icon-box-vertical-align-top icon-position-left icon-vertical-align-start elementor-widget elementor-widget-the7_icon_box_grid_widget\" data-id=\"b2a466c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_box_grid_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-box-grid-wrapper the7-elementor-widget loading-effect-none the7_icon_box_grid_widget-b2a466c\">\t\t\t<div class=\"dt-css-grid\">\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/mortgage-pre-qualification\/\" aria-label=\"Pr\u00e9-qualification\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-search-dollar\"><\/i>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPr\u00e9-qualification\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Need a pre-qualification?<br>\n Make a personalized appointment with our mortgage brokers at no charge.\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/first-purchase\/\" aria-label=\"First purchase\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-receipt-cutoff\" viewBox=\"0 0 16 16\"><path d=\"M3 4.5a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 1 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 0 1 0 1h-6a.5.5 0 0 1-.5-.5zm0 2a.5.5 0 0 1 .5-.5h6a.5.5 0 0 1 0 1h-6a.5.5 0 0 1-.5-.5zM11.5 4a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1zm0 2a.5.5 0 0 0 0 1h1a.5.5 0 0 0 0-1h-1z\"><\/path><path d=\"M2.354.646a.5.5 0 0 0-.801.13l-.5 1A.5.5 0 0 0 1 2v13H.5a.5.5 0 0 0 0 1h15a.5.5 0 0 0 0-1H15V2a.5.5 0 0 0-.053-.224l-.5-1a.5.5 0 0 0-.8-.13L13 1.293l-.646-.647a.5.5 0 0 0-.708 0L11 1.293l-.646-.647a.5.5 0 0 0-.708 0L9 1.293 8.354.646a.5.5 0 0 0-.708 0L7 1.293 6.354.646a.5.5 0 0 0-.708 0L5 1.293 4.354.646a.5.5 0 0 0-.708 0L3 1.293 2.354.646zm-.217 1.198.51.51a.5.5 0 0 0 .707 0L4 1.707l.646.647a.5.5 0 0 0 .708 0L6 1.707l.646.647a.5.5 0 0 0 .708 0L8 1.707l.646.647a.5.5 0 0 0 .708 0L10 1.707l.646.647a.5.5 0 0 0 .708 0L12 1.707l.646.647a.5.5 0 0 0 .708 0l.509-.51.137.274V15H2V2.118l.137-.274z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFirst purchase\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Taking the plunge for your first purchase?<br>\nAre you making your first mortgage loan?<br>\nMake an appointment.\n<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"wf-cell shown\">\n\t\t\t\t\t\t<a class=\"the7-icon-box-grid box-hover\" href=\"\/en\/refinancing-mortgage\/\" aria-label=\"Re-Financing\">\t\t\t\t\t\t\t<div class=\"box-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-div\">\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-cash-coin\" viewBox=\"0 0 16 16\"><path fill-rule=\"evenodd\" d=\"M11 15a4 4 0 1 0 0-8 4 4 0 0 0 0 8zm5-4a5 5 0 1 1-10 0 5 5 0 0 1 10 0z\"><\/path><path d=\"M9.438 11.944c.047.596.518 1.06 1.363 1.116v.44h.375v-.443c.875-.061 1.386-.529 1.386-1.207 0-.618-.39-.936-1.09-1.1l-.296-.07v-1.2c.376.043.614.248.671.532h.658c-.047-.575-.54-1.024-1.329-1.073V8.5h-.375v.45c-.747.073-1.255.522-1.255 1.158 0 .562.378.92 1.007 1.066l.248.061v1.272c-.384-.058-.639-.27-.696-.563h-.668zm1.36-1.354c-.369-.085-.569-.26-.569-.522 0-.294.216-.514.572-.578v1.1h-.003zm.432.746c.449.104.655.272.655.569 0 .339-.257.571-.709.614v-1.195l.054.012z\"><\/path><path d=\"M1 0a1 1 0 0 0-1 1v8a1 1 0 0 0 1 1h4.083c.058-.344.145-.678.258-1H3a2 2 0 0 0-2-2V3a2 2 0 0 0 2-2h10a2 2 0 0 0 2 2v3.528c.38.34.717.728 1 1.154V1a1 1 0 0 0-1-1H1z\"><\/path><path d=\"M9.998 5.083 10 5a2 2 0 1 0-3.132 1.65 5.982 5.982 0 0 1 3.13-1.567z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"box-heading\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRe-Financing\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-description\">Taking the plunge for your first purchase?<bR>\nAre you making your first mortgage loan?<br>\nMake an appointment.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"box-button elementor-button elementor-size-sm\">Discover<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Information request A broker will call you back shortly. No fees, no obligation. First name * Last name * Email * Phone * Employment type *Choose\u2026EmployeeSelf-employedRetired What do you need? *Choose\u2026Mortgage pre-approvalGet a mortgage approvalMortgage renewalTransfer my mortgage to another lenderMortgage refinancingRefinancing with a home equity line of creditMortgage for self-employed (less than 2 years)Private&hellip;<\/p>\n","protected":false},"author":3,"featured_media":16611,"parent":0,"menu_order":10,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-17013","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17013","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/comments?post=17013"}],"version-history":[{"count":44,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17013\/revisions"}],"predecessor-version":[{"id":20680,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17013\/revisions\/20680"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/media\/16611"}],"wp:attachment":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/media?parent=17013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}