{"id":17014,"date":"2023-01-21T14:40:38","date_gmt":"2023-01-21T14:40:38","guid":{"rendered":"https:\/\/hypotheques.ca\/refinancement-hypothecaire\/"},"modified":"2025-11-27T16:43:56","modified_gmt":"2025-11-27T16:43:56","slug":"refinancing-mortgage","status":"publish","type":"page","link":"https:\/\/hypotheques.ca\/en\/refinancing-mortgage\/","title":{"rendered":"Refinancing-mortgage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"17014\" class=\"elementor elementor-17014 elementor-12170\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<header class=\"elementor-section elementor-top-section elementor-element elementor-element-a301f84 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a301f84\" 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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-53d75ab\" data-id=\"53d75ab\" 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-b1fb5f3 elementor-widget elementor-widget-heading\" data-id=\"b1fb5f3\" 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\">Need cash fast?<br \/>\r\nThink about mortgage refinancing!<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca224c0 elementor-widget elementor-widget-text-editor\" data-id=\"ca224c0\" 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\tA simple way to get cash for any type of expense.\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-bf35fb8 elementor-widget__width-auto elementor-widget elementor-widget-breadcrumbs\" data-id=\"bf35fb8\" 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\/en\/\">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<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-df6b1d5\" data-id=\"df6b1d5\" 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-e6780c3 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"e6780c3\" 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-4689446\" data-id=\"4689446\" 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-7155fa9 elementor-widget__width-initial elementor-widget elementor-widget-global elementor-global-18857 elementor-widget-html\" data-id=\"7155fa9\" 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<div id=\"zf_div_du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4\"><\/div><script type=\"text\/javascript\">(function() {\ntry{\nvar f = document.createElement(\"iframe\");\nf.src = 'https:\/\/forms.zohopublic.ca\/hypothequesca1\/form\/VLformulairedecontact\/formperma\/du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4?zf_lang=en&zf_rszfm=1';\nf.style.border=\"none\";\nf.style.height=\"850px\";\nf.style.width=\"100%\";\nf.style.transition=\"all 0.5s ease\";\nf.setAttribute(\"aria-label\", 'Des\\x20questions\\x3F');\n\nvar d = document.getElementById(\"zf_div_du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4\");\nd.appendChild(f);\nwindow.addEventListener('message', function (){\nvar evntData = event.data;\nif( evntData && evntData.constructor == String ){\nvar zf_ifrm_data = evntData.split(\"|\");\nif ( zf_ifrm_data.length == 2 || zf_ifrm_data.length == 3 ) {\nvar zf_perma = zf_ifrm_data[0];\nvar zf_ifrm_ht_nw = ( parseInt(zf_ifrm_data[1], 10) + 15 ) + \"px\";\nvar iframe = document.getElementById(\"zf_div_du7rtClsHNjibq9CMFcAA_3feqpIzAwk_3IxVO_HoN4\").getElementsByTagName(\"iframe\")[0];\nif ( (iframe.src).indexOf('formperma') > 0 && (iframe.src).indexOf(zf_perma) > 0 ) {\nvar prevIframeHeight = iframe.style.height;\nvar zf_tout = false;\nif( zf_ifrm_data.length == 3 ) {\niframe.scrollIntoView();\nzf_tout = true;\n}\nif ( prevIframeHeight != zf_ifrm_ht_nw ) {\nif( zf_tout ) {\nsetTimeout(function(){\niframe.style.height = zf_ifrm_ht_nw;\n},500);\n} else {\niframe.style.height = zf_ifrm_ht_nw;\n}\n}\n}\n}\n}\n}, false);\n}catch(e){}\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<\/header>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-62d14a0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62d14a0\" 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-d1ea603\" data-id=\"d1ea603\" 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-5c7d77b 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=\"5c7d77b\" 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-5c7d77b\">\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\">When you refinance, you receive the funds directly into your bank account. The money is then yours. You can do whatever you want with it.<\/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-1b0da9a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b0da9a2\" 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-7f38e56e\" data-id=\"7f38e56e\" 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-794e5a84 elementor-widget__width-auto elementor-widget elementor-widget-image\" data-id=\"794e5a84\" 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=\"960\" height=\"768\" src=\"data:image\/svg+xml;charset=utf-8,%3Csvg xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg' viewBox%3D'0 0 960 768'%2F%3E\" data-src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-besoin-de-capitaux.png\" class=\"lazy-load attachment-large size-large wp-image-16647\" alt=\"\" data-srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-besoin-de-capitaux.png 960w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-besoin-de-capitaux-300x240.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/hypotheques-besoin-de-capitaux-768x614.png 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/>\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-2abb5e0d\" data-id=\"2abb5e0d\" 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-5656d814 elementor-widget elementor-widget-heading\" data-id=\"5656d814\" 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 REFINANCING<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed6c5f9 elementor-widget elementor-widget-heading\" data-id=\"3ed6c5f9\" 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\">What is mortgage refinancing?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ba4b932 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6ba4b932\" 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-191d6904 elementor-widget elementor-widget-text-editor\" data-id=\"191d6904\" 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>Mortgage\u00a0refinancing\u00a0allows you to use the\u00a0equity\u00a0in your home to borrow a new amount of money to finance your projects, such as a new home purchase, financing your children&#8217;s education, starting a business, etc.<\/p><h3>How much can I borrow to finance my property?<\/h3><p>Depending on your situation, you can refinance your property up to 80% of the market value of your home, while subtracting the balance of your\u00a0mortgage.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b7cacf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b7cacf\" 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-6598311\" data-id=\"6598311\" 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-9a12758 elementor-widget elementor-widget-text-editor\" data-id=\"9a12758\" 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<h2>Why do a mortgage refinance?<\/h2><p>Here are 7 reasons why you may want to\u00a0refinance\u00a0your mortgage.<\/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-15b72bb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"15b72bb\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3b9f8bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3b9f8bc\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-a500a8e\" data-id=\"a500a8e\" 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-9436205 elementor-widget elementor-widget-image\" data-id=\"9436205\" 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 decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-1024x1024.png\" class=\"attachment-large size-large wp-image-16768\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-992d196\" data-id=\"992d196\" 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-a46d320 elementor-widget elementor-widget-text-editor\" data-id=\"a46d320\" 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<h3>1. Renovate your home to gain comfort or increase its value<\/h3><p>You can refinance your home to\u00a0<a href=\"https:\/\/hypotheques.ca\/en\/blogue\/pret-pour-renovation\">finance renovations<\/a>. This way, you can take advantage of a lower\u00a0interest rate\u00a0than a credit card, a regular loan or a personal line of credit.<\/p><p>This type of financing is recommended if you are thinking of doing major renovations and the repayment of this loan is done over a period of up to 30 years.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-95574e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"95574e2\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-ece4cea\" data-id=\"ece4cea\" 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-1b2b76c elementor-widget elementor-widget-image\" data-id=\"1b2b76c\" 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 decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/2-1024x1024.png\" class=\"attachment-large size-large wp-image-16769\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/2-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/2-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/2-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/2-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/2.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-ca06e47\" data-id=\"ca06e47\" 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-6b734d7 elementor-widget elementor-widget-text-editor\" data-id=\"6b734d7\" 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<h3>2. Acquire a second home or make a major purchase<\/h3><p>If you are considering purchasing a second property such as an income property (duplex, triplex etc&#8230;) or even a second home such as a cottage, then it is possible to generate your down payment by\u00a0refinancing. With a mortgage\u00a0refinance, you can re-borrow up to 80% of the fair market value of your property, it will then be necessary to subtract the balance of your outstanding mortgage loan from the new loan amount. This would be like refinancing to take out equity that you could use for a\u00a0<a href=\"http:\/\/xn--mise%20de%20fond%20de%20votre%20deuxime%20maison-xge\/\" data-wplink-url-error=\"true\">down payment on your second home<\/a>\u00a0or a down payment on\u00a0<a href=\"http:\/\/mise%20de%20fond%20de%20votre%20chalet\/\" data-wplink-url-error=\"true\">your cottage<\/a>.<\/p><p>You will then pay off the new mortgage, which is the total amount including the additional amount. But in some cases, the two loans are separated into separate tranches.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bd1c7aa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd1c7aa\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-e56e8c2\" data-id=\"e56e8c2\" 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-c83a592 elementor-widget elementor-widget-image\" data-id=\"c83a592\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/3-1024x1024.png\" class=\"attachment-large size-large wp-image-16770\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/3-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/3-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/3-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/3-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/3.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-a996290\" data-id=\"a996290\" 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-a891999 elementor-widget elementor-widget-text-editor\" data-id=\"a891999\" 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<h3>3. Free up funds for your children&#8217;s education<\/h3><p>Refinancing your home also allows you to free up funds to finance your children&#8217;s education. A practical solution given the high cost of education<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2b677e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b677e1\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-99842bf\" data-id=\"99842bf\" 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-cb86aaf elementor-widget elementor-widget-image\" data-id=\"cb86aaf\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/4-1024x1024.png\" class=\"attachment-large size-large wp-image-16771\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/4-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/4-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/4-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/4-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/4.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-fd752f5\" data-id=\"fd752f5\" 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-7307608 elementor-widget elementor-widget-text-editor\" data-id=\"7307608\" 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<h3>4. Consolidate your debts to save money<\/h3><p>With a mortgage\u00a0refinance, you can combine all your debts into one\u00a0mortgage\u00a0by using debt restructuring. This will free up funds to pay off the majority of your personal debts, such as :<\/p><ul><li>the car loan<\/li><li>the personal loan<\/li><li>personal line of credit<\/li><li>credit card<\/li><\/ul><p>This method allows you to combine these debts into one monthly payment with a lower\u00a0interest rate\u00a0and an amortization of up to 30 years.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c9e1129 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c9e1129\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-f0a4593\" data-id=\"f0a4593\" 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-e061cbb elementor-widget elementor-widget-image\" data-id=\"e061cbb\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/5-1024x1024.png\" class=\"attachment-large size-large wp-image-16772\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/5-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/5-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/5-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/5-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/5.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-a71fc76\" data-id=\"a71fc76\" 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-6c37045 elementor-widget elementor-widget-text-editor\" data-id=\"6c37045\" 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<div><h3>5. Refinance to invest for retirement<\/h3><\/div><p>It is possible to use mortgage\u00a0refinancing\u00a0to prepare for retirement.<br \/>Many products exist to do this and it is important to make arrangements when you are working. Don&#8217;t forget that to obtain a mortgage loan, employment income is essential. Waiting for your pension and no longer having the income can limit your options.<br \/>It is therefore important to get advice from a broker beforehand.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5761fcd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5761fcd\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-437b87b\" data-id=\"437b87b\" 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-d0bd838 elementor-widget elementor-widget-image\" data-id=\"d0bd838\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/6-1024x1024.png\" class=\"attachment-large size-large wp-image-16773\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/6-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/6-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/6-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/6-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/6.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-9d0fea1\" data-id=\"9d0fea1\" 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-8b47fd8 elementor-widget elementor-widget-text-editor\" data-id=\"8b47fd8\" 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<h3>6. Refinance for retirement (RSP)<\/h3><p>Refinancing your home also allows you to invest in your RSP.<br \/>By freeing up funds through\u00a0refinancing\u00a0your home, you will get a tax deduction. This option should be evaluated beforehand.<\/p><p>\u00a0<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6379ef9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6379ef9\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-ba606dd\" data-id=\"ba606dd\" 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-5e7e3d0 elementor-widget elementor-widget-image\" data-id=\"5e7e3d0\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/7-1024x1024.png\" class=\"attachment-large size-large wp-image-16774\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/7-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/7-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/7-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/7-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/7.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-2214e38\" data-id=\"2214e38\" 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-a930c1a elementor-widget elementor-widget-text-editor\" data-id=\"a930c1a\" 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<h3>7. Benefit from a lower interest rate<\/h3><p>Refinancing your home also allows you to benefit from a lower\u00a0interest rate\u00a0than the one you had when you signed your mortgage. If\u00a0interest\u00a0rates have gone down since you signed your mortgage, then refinancing your\u00a0mortgage\u00a0is an attractive way for you to save money over the long\u00a0term, or in some cases increase the\u00a0amortization period\u00a0to reduce payments.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c27a7bd elementor-widget elementor-widget-spacer\" data-id=\"c27a7bd\" 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<div class=\"elementor-element elementor-element-6621284 elementor-widget elementor-widget-spacer\" data-id=\"6621284\" 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-13e3ce74 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13e3ce74\" data-element_type=\"section\" data-e-type=\"section\" id=\"services\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;shape_divider_top&quot;:&quot;mountains&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-top\" 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<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<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1c4b4258 animated-fast elementor-invisible\" data-id=\"1c4b4258\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\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-4029741 elementor-widget elementor-widget-heading\" data-id=\"4029741\" 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\">Advantages and disadvantages of mortgage refinancing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5d0c08c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d0c08c\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-915b236\" data-id=\"915b236\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-d336098 elementor-widget__width-auto elementor-align-center elementor-widget elementor-widget-the7_icon_widget\" data-id=\"d336098\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-icon-wrapper the7-elementor-widget\"><div class=\"elementor-icon\"><i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0bab05 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e0bab05\" 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<h3>Benefits<\/h3><p>The benefits of mortgage\u00a0refinancing\u00a0are:<\/p><ul><li>Get quick access to your home\u00a0equity<\/li><li>Consolidate your more expensive debts<\/li><li>Take advantage of a better\u00a0interest rate\u00a0if mortgage rates are falling<\/li><li>Extend the amortization\u00a0period\u00a0to reduce payments<\/li><\/ul>\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-inner-column elementor-element elementor-element-db58ff5\" data-id=\"db58ff5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-6ac01bf elementor-align-left elementor-widget__width-auto elementor-widget elementor-widget-the7_icon_widget\" data-id=\"6ac01bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_icon_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"the7-icon-wrapper the7-elementor-widget\"><div class=\"elementor-icon\"><i aria-hidden=\"true\" class=\"fas fa-times-circle\"><\/i><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-699196a elementor-widget elementor-widget-text-editor\" data-id=\"699196a\" 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<h3>Disadvantages<\/h3><p>The disadvantages of mortgage\u00a0refinancing\u00a0are:<\/p><ul><li>You extend the time it takes to pay off your mortgage while increasing the amount of your mortgage<\/li><li>Your outstanding mortgage balance may be higher<\/li><li>You may have to pay additional costs such as\u00a0prepayment fees\u00a0or notary fees.<\/li><\/ul>\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\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-ea0f08b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea0f08b\" 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-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ca4d42\" data-id=\"3ca4d42\" 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-12e5f14 elementor-widget elementor-widget-spacer\" data-id=\"12e5f14\" 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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3f55038 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f55038\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-f11705d\" data-id=\"f11705d\" 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-ee03dc3 elementor-widget elementor-widget-image\" data-id=\"ee03dc3\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-16-1024x1024.png\" class=\"attachment-large size-large wp-image-16777\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-16-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-16-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-16-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-16-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-16.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-f4e7660\" data-id=\"f4e7660\" 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-129fbe6 elementor-widget elementor-widget-text-editor\" data-id=\"129fbe6\" 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<h2 style=\"text-align: left;\">How much does mortgage refinancing cost?<\/h2>\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-8f20d74 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"8f20d74\" 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-7f29c7e elementor-widget elementor-widget-text-editor\" data-id=\"7f29c7e\" 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 are various costs involved in applying for a mortgage\u00a0refinance. If you decide to refinance your mortgage, you will have to pay :<\/p><ul><li>Legal fees \/ notary fees.<\/li><li>Penalty\u00a0fees with your current financial institution.<\/li><\/ul><p>Theappraisal\u00a0fee for your property is often paid by the financial institution that is\u00a0refinancing\u00a0your mortgage.<\/p><h3>Mortgage refinancing penalty<\/h3><p>It is very likely that you will have to pay a penalty for\u00a0refinancing\u00a0your mortgage before the\u00a0end of\u00a0your original mortgage\u00a0term. In Canada, lenders calculate these\u00a0penalties\u00a0in two ways:<\/p><ul><li>3 months interest<\/li><li>according to the interest\u00a0rate differential (ETI)<\/li><\/ul><p>The choice of\u00a0penalty\u00a0calculation will depend on your lender, your mortgage product and the\u00a0term of\u00a0your mortgage.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-88ec8f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"88ec8f6\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-9d0c31e\" data-id=\"9d0c31e\" 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-05d90e2 elementor-widget elementor-widget-image\" data-id=\"05d90e2\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-1-1024x1024.png\" class=\"attachment-large size-large wp-image-16776\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-1-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-1-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-1-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-1-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/1-1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-b706b45\" data-id=\"b706b45\" 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-ea217b7 elementor-widget elementor-widget-text-editor\" data-id=\"ea217b7\" 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<h2 style=\"text-align: left;\">Steps to a mortgage refinance<\/h2>\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-afa05a3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"afa05a3\" 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-c481efc elementor-widget elementor-widget-text-editor\" data-id=\"c481efc\" 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<h3>1. Define what you want to do<\/h3><p>Determine what you want to do with the funds freed up through mortgage\u00a0refinancing: financial investments, renovating your home, paying for your children&#8217;s education, consolidating your debt, etc.<\/p><h3>2. Let&#8217;s talk about your options<\/h3><p>Choose between a mortgage or a line of credit.<\/p><h3>3. Let us handle your mortgage refinancing application<\/h3><p>Based on your wishes and options, our brokers determine the amount you can borrow in the best configuration and according to your needs.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-849eae8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"849eae8\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-28a6304\" data-id=\"28a6304\" 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-5655534 elementor-widget elementor-widget-image\" data-id=\"5655534\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-17-1024x1024.png\" class=\"attachment-large size-large wp-image-16778\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-17-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-17-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-17-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-17-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-17.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-e451ccb\" data-id=\"e451ccb\" 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-54ebe4b elementor-widget elementor-widget-text-editor\" data-id=\"54ebe4b\" 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<h2 style=\"text-align: left;\">What do I need for a mortgage refinance?<\/h2>\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-d059f6c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d059f6c\" 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-dc482eb elementor-widget elementor-widget-text-editor\" data-id=\"dc482eb\" 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>To grant a mortgage\u00a0refinance, we must analyze 4 elements:<\/p><h3 style=\"margin-bottom: var(--the7-h3-spacing); color: #0a2051; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; text-transform: none; letter-spacing: normal; word-spacing: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\">Proof of your income<\/h3><p>You must provide proof of income in order to refinance your\u00a0mortgage. This can be done by providing a pay stub and a letter from your employer.<\/p><h3 style=\"margin-bottom: var(--the7-h3-spacing); color: #0a2051; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; text-transform: none; letter-spacing: normal; word-spacing: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\">Evaluation of your property<\/h3><p>Your mortgage\u00a0refinancing\u00a0application must be accompanied by a property\u00a0appraisal\u00a0to determine the condition of your home and its value.<\/p><h3 style=\"margin-bottom: var(--the7-h3-spacing); color: #0a2051; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; text-transform: none; letter-spacing: normal; word-spacing: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\">Information on your credit<\/h3><p>You must also bring all your credit information.<\/p><h3 style=\"margin-bottom: var(--the7-h3-spacing); color: #0a2051; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; text-transform: none; letter-spacing: normal; word-spacing: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;\">Your assets and liabilities<\/h3><p>Establish your assets and liabilities. This will allow the lender to see your assets and remaining debts in order to approve or not your mortgage\u00a0refinancing\u00a0request.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-af1baf8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"af1baf8\" data-element_type=\"section\" data-e-type=\"section\">\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-50 elementor-inner-column elementor-element elementor-element-9e032ee\" data-id=\"9e032ee\" 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-6f869eb elementor-widget elementor-widget-image\" data-id=\"6f869eb\" 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 loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-18-1024x1024.png\" class=\"attachment-large size-large wp-image-16779\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-18-1024x1024.png 1024w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-18-300x300.png 300w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-18-150x150.png 150w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-18-768x768.png 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/03\/Sans-titre-18.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\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-inner-column elementor-element elementor-element-a9df68b\" data-id=\"a9df68b\" 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-0a1b1d9 elementor-widget elementor-widget-text-editor\" data-id=\"0a1b1d9\" 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<h2 style=\"margin-bottom: var(--the7-h2-spacing); font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; text-transform: none; letter-spacing: normal; word-spacing: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: left;\">Solutions for refinancing your mortgage<\/h2>\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-5ad75df elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5ad75df\" 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-1221b48 elementor-widget elementor-widget-text-editor\" data-id=\"1221b48\" 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 are 3 ways to refinance your\u00a0mortgage:<\/p><h3>Using a mortgage line<\/h3><p>The mortgage line of credit is a solution adapted if you prefer to have flexibility in your repayments because you determine the frequency and the mode of your payments. The financing you will obtain through the line of credit cannot exceed 65% of the purchase price or value of your home.<\/p><h3>Take out a fixed or variable rate loan<\/h3><p>If you are taking out a mortgage, you need to make a choice between a fixed or variable rate. If you want to protect yourself from fluctuations, a fixed-rate mortgage is ideal. If you have a good financial tolerance, you can choose a variable rate mortgage.<\/p><h3>Take advantage of the evolutionary clause<\/h3><p>The evolutionary clause allows you to benefit from the possibility of re-borrowing the\u00a0capital\u00a0that you have already repaid. It works the same way as a classic loan but with a more advantageous rate.<\/p>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8f8baf elementor-widget elementor-widget-text-editor\" data-id=\"b8f8baf\" 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>\u00a0<\/p><p><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><script src=\"safari-extension:\/\/4D4102C5-DE22-4135-95FC-4DAB5DBF1914\/injectedPasswordless.js\" type=\"text\/javascript\"><\/script><\/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-a9ab7c8 elementor-widget elementor-widget-spacer\" data-id=\"a9ab7c8\" 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<div class=\"elementor-element elementor-element-c1c25ba elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"c1c25ba\" 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-adf0919 elementor-widget elementor-widget-spacer\" data-id=\"adf0919\" 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<div class=\"elementor-element elementor-element-4eb924f elementor-widget elementor-widget-text-editor\" data-id=\"4eb924f\" 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<h2>Mortgage refinancing vs. home equity line of credit<\/h2>\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-7487346 elementor-widget elementor-widget-text-editor\" data-id=\"7487346\" 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<div class=\"elementor-element elementor-element-7487346 elementor-widget elementor-widget-text-editor\" data-id=\"7487346\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-text-editor elementor-clearfix\"><p>You can access the\u00a0equity\u00a0in your home by\u00a0refinancing\u00a0or taking out a home equity line of credit. But what&#8217;s the difference between the two?<\/p><p>A home equity line of credit is a revolving loan that allows you to borrow money, pay it back and re-borrow up to your maximum limit. While a mortgage\u00a0refinance\u00a0is a new mortgage that you take out while paying off your original loan.<\/p><\/div><\/div><\/div><div class=\"elementor-element elementor-element-c3f52fc elementor-widget elementor-widget-spacer\" data-id=\"c3f52fc\" data-element_type=\"widget\" data-widget_type=\"spacer.default\"><div class=\"elementor-widget-container\"><div class=\"elementor-spacer\">\u00a0<\/div><\/div><\/div>\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-c3f52fc elementor-widget elementor-widget-spacer\" data-id=\"c3f52fc\" 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-5ee77fd elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ee77fd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;shape_divider_top&quot;:&quot;mountains&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-top\" 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<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<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0782952 animated-fast elementor-invisible\" data-id=\"0782952\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\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-840ca9b elementor-widget elementor-widget-heading\" data-id=\"840ca9b\" 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\">&lt;a class=&quot;glossaryLink&quot; aria-describedby=&quot;tt&quot; data-cmtooltip=&quot;<div class=\"glossaryItemTitle\">Refinancement<\/div><div class=\"glossaryItemBody\">Vous permet d\u2019acc\u00e9der \u00e0 des fonds suppl\u00e9mentaires ou de profiter d\u2019un taux d\u2019int\u00e9r\u00eat moins \u00e9lev\u00e9 pour r\u00e9duire vos autres co\u00fbts d\u2019emprunt. Vous pouvez recourir au refinancement pour consolider vos dettes ou financer des d\u00e9penses importantes li\u00e9es aux \u00e9tudes ou aux r\u00e9novations.<\/div>\" href=\"https:\/\/hypotheques.ca\/en\/glossary\/refinancement\/\" data-gt-translate-attributes=\"[{\" attribute\":\"data-cmtooltip\",=\"\" \"format\":\"html\"}]\"=\"\" style=\"border-bottom: 1px dotted rgb(0, 0, 0); font-size: 19px; white-space-collapse: collapse;\"&gt;MORTGAGE REFINANCING<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b34b0c6 elementor-widget elementor-widget-heading\" data-id=\"b34b0c6\" 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\">Need to consolidate your debts?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-208e542 elementor-widget elementor-widget-text-editor\" data-id=\"208e542\" 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 style=\"text-align: center;\">Mortgage refinancing is also a great way to get your head above water and consolidate your debts. Lower your monthly payments, pay it off faster and finally get the peace of mind you deserve.<br \/>\u200d<br \/>Realize, your home or condo has probably increased in value in recent years. If you have debt, you can refinance your property with the appreciation and potentially pay it off. Obviously, each case is unique, the best way to find out what you are entitled to is to contact us. There is a solution for every client!<\/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-21b7296 elementor-widget elementor-widget-spacer\" data-id=\"21b7296\" 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<div class=\"elementor-element elementor-element-d1fd7da elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-align-center elementor-widget elementor-widget-the7_button_widget\" data-id=\"d1fd7da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"the7_button_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\"><a href=\"https:\/\/calendly.com\/hypotheques\/explore-your-mortgage-options\" target=\"_blank\" class=\"box-button elementor-button elementor-size-lg\">Contact us for free advice<i aria-hidden=\"true\" class=\"elementor-button-icon fas fa-chevron-right\"><\/i><\/a><\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1c3b3e2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c3b3e2\" 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-f4e1486\" data-id=\"f4e1486\" 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-dab989f elementor-widget elementor-widget-heading\" data-id=\"dab989f\" 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-950d437 elementor-widget elementor-widget-heading\" data-id=\"950d437\" 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\">Our mortgage services are perfectly adapted to your situation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afd04bc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"afd04bc\" 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-bcc0130 elementor-widget elementor-widget-text-editor\" data-id=\"bcc0130\" 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>Refinancing consists of breaking the deed of loan with your current bank, in order to take out a new higher mortgage with another financial institution, taking advantage of better conditions and benefits while recovering the additional funds in your bank account.\u00a0<\/p><p>In some cases, it is even possible not to increase your monthly payments or the term of your loan. We can tell you if this applies to you. Fill out the free online form and we will call you back.<\/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-41ca22b elementor-widget elementor-widget-button\" data-id=\"41ca22b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/en\/contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Contact form<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-ccf869b elementor-widget elementor-widget-spacer\" data-id=\"ccf869b\" 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-fa89a8a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa89a8a\" 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-50 elementor-top-column elementor-element elementor-element-9091c37\" data-id=\"9091c37\" 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-10b00f7 elementor-widget elementor-widget-heading\" data-id=\"10b00f7\" 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 refinancing - FAQ<br><br><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae6e21 animated-fast elementor-invisible elementor-widget elementor-widget-accordion\" data-id=\"3ae6e21\" 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-6171\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6171\" 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\">When to refinance your mortgage?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6171\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6171\"><p>The best time to refinance your mortgage depends on your situation and your needs.\u00a0<\/p><p>The best times to refinance your\u00a0mortgage\u00a0may be when you want to:<\/p><ul><li aria-level=\"1\">Buying a second home or a cottage\u00a0<\/li><li aria-level=\"1\">Carry out renovations\u00a0<\/li><li aria-level=\"1\">Consolidate your debts\u00a0<\/li><li aria-level=\"1\">Financing your retirement<\/li><li aria-level=\"1\">Paying for your children&#8217;s education\u00a0<\/li><li aria-level=\"1\">Invest in a new project\u00a0<\/li><li aria-level=\"1\">Launching your business\u00a0<\/li><li aria-level=\"1\">A need for liquidity\u00a0<\/li><\/ul><\/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-6172\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6172\" 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\">Mortgage refinancing before term: a good idea?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6172\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6172\"><p><a href=\"https:\/\/hypotheques.ca\/en\/blogue\/refinancement-hypothecaire-avant-terme\/\">Refinancing your mortgage before the end of the term<\/a>\u00a0is not always the best solution, depending on your situation.<\/p><p>If you are not in a hurry, then it is advisable to refinance your\u00a0mortgage\u00a0close to the\u00a0end of\u00a0your loan to avoid any legal fees or\u00a0penalties. The more you pay off your mortgage, the more you can borrow again.<\/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-6173\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-6173\" 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\">How long does it take to refinance a mortgage?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6173\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-6173\"><p>It takes about 3 to 4 weeks to complete a\u00a0refinancing\u00a0application. It is therefore important to be ahead of the game.<\/p><p>However, when time is of the essence, it is possible to ask your current bank to transfer your open rate loan while you complete the\u00a0refinancing\u00a0procedures with our mortgage brokers.<\/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-6174\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-6174\" 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\">Can I refinance my mortgage with the same lender?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6174\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-6174\"><p>You can refinance your\u00a0mortgage\u00a0with the same lender, but you are not required to use the same lender. We recommend that you use a\u00a0mortgage broker\u00a0who will suggest the lender with the best mortgage solution for you.<\/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-6175\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-6175\" 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\">Refinancing or Remortgaging: What's the difference?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6175\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-6175\"><p>There is no difference between\u00a0<a class=\"glossaryLink\" style=\"padding: 0px; margin: 0px; text-decoration: none !important; color: #000000 !important; box-sizing: border-box; box-shadow: none; border-bottom: 1px dotted #000000;\" href=\"https:\/\/hypotheques.ca\/en\/glossary\/refinancement\/\" aria-describedby=\"tt\" data-cmtooltip=\"\" data-gt-translate-attributes=\"[{\">refinancing<\/a>\u00a0your property or\u00a0<a href=\"https:\/\/hypotheques.ca\/en\/blogue\/rehypothequer-sa-maison\">remortgaging your home<\/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-6176\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-6176\" 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\">Notary fees for mortgage refinancing ?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6176\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-6176\"><p>The notary fees for a mortgage\u00a0refinancing\u00a0vary on average between $800 and $1200.<\/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-6177\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-6177\" 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\">Mortgage refinancing bad credit<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6177\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-6177\"><p>Yes, you can refinance your home even with bad credit\u00a0<a href=\"https:\/\/hypotheques.ca\/en\/blogue\/pret-hypotheque-mauvais-credit\">bad credit<\/a>. However, there are several things you need to consider beforehand:<\/p><ul><li aria-level=\"1\">Your application must be attractive\u00a0<\/li><li aria-level=\"1\">Continue to build\u00a0equity\u00a0in your home\u00a0<\/li><li aria-level=\"1\">Determine your break-even point\u00a0<\/li><li aria-level=\"1\">Take advantage of government loans\u00a0<\/li><li aria-level=\"1\">Have realistic expectations\u00a0<\/li><li aria-level=\"1\">Take steps to\u00a0<a href=\"https:\/\/hypotheques.ca\/en\/blogue\/comment-ameliorer-cote-de-credit\">improve your credit rating quickly<\/a>.<\/li><\/ul><\/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-6178\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-6178\" 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\">How much is my property worth?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6178\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-6178\"><p>There are several methods to determine the market value of your property. We advise you to use a\u00a0real estate broker\u00a0who will allow you to determine the value of your home based on recent sales in the area.<\/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-6179\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-6179\" 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\">How many times can I refinance my mortgage?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-6179\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-6179\"><p>In principle, there is no limit to refinancing your property. However, be aware that your credit report will be consulted by the lender for each\u00a0refinancing\u00a0request. If there are too many applications, your credit file may be affected.\u00a0<\/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-61710\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-61710\" 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\">Should I refinance if interest rates are low?<\/a>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\t<div id=\"elementor-tab-content-61710\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-61710\"><p>Using mortgage\u00a0refinancing\u00a0when the\u00a0interest rate\u00a0decreases allows you to get a better rate. So in principle yes, but don&#8217;t forget to take into account the additional costs such as\u00a0prepayment fees.\u00a0<\/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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6df9d881 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"6df9d881\" 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-5d2233fa elementor-widget elementor-widget-image\" data-id=\"5d2233fa\" 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 loading=\"lazy\" decoding=\"async\" width=\"1728\" height=\"2304\" src=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions.jpg\" class=\"attachment-full size-full wp-image-16600\" alt=\"\" srcset=\"https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions.jpg 1728w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-225x300.jpg 225w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-768x1024.jpg 768w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-1152x1536.jpg 1152w, https:\/\/hypotheques.ca\/wp-content\/uploads\/2023\/02\/6234a78c8d2d8627e8d30c3f_Service-prequalification-questions-1536x2048.jpg 1536w\" sizes=\"(max-width: 1728px) 100vw, 1728px\" \/>\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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c803784 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c803784\" 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-7e1256e\" data-id=\"7e1256e\" 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-b86cf41 elementor-widget elementor-widget-heading\" data-id=\"b86cf41\" 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-7b7acf7 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7b7acf7\" 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-b065f0e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b065f0e\" 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-7493cf7 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"7493cf7\" 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-de0a2e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de0a2e0\" 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-6e31a8c\" data-id=\"6e31a8c\" 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-ceb90af 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=\"ceb90af\" 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-ceb90af\">\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=\" Pre-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\t Pre-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? Make a personalized appointment with our mortgage brokers at no charge.\n\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\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\/mortgage-renewal\/\" aria-label=\"Renewal\">\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-calculator\" viewBox=\"0 0 16 16\"><path d=\"M12 1a1 1 0 0 1 1 1v12a1 1 0 0 1-1 1H4a1 1 0 0 1-1-1V2a1 1 0 0 1 1-1h8zM4 0a2 2 0 0 0-2 2v12a2 2 0 0 0 2 2h8a2 2 0 0 0 2-2V2a2 2 0 0 0-2-2H4z\"><\/path><path d=\"M4 2.5a.5.5 0 0 1 .5-.5h7a.5.5 0 0 1 .5.5v2a.5.5 0 0 1-.5.5h-7a.5.5 0 0 1-.5-.5v-2zm0 4a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm3-6a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm3-6a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v1a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-1zm0 3a.5.5 0 0 1 .5-.5h1a.5.5 0 0 1 .5.5v4a.5.5 0 0 1-.5.5h-1a.5.5 0 0 1-.5-.5v-4z\"><\/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\tRenewal\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\">Is your term up? Renew to take advantage of the best conditions on the market.\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<\/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>Did you know that? When you refinance, you receive the funds directly into your bank account. The money is then yours. You can do whatever you want with it. MORTGAGE REFINANCING What is mortgage refinancing? Mortgage\u00a0refinancing\u00a0allows you to use the\u00a0equity\u00a0in your home to borrow a new amount of money to finance your projects, such as&hellip;<\/p>\n","protected":false},"author":3,"featured_media":16606,"parent":0,"menu_order":11,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-17014","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17014","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=17014"}],"version-history":[{"count":38,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17014\/revisions"}],"predecessor-version":[{"id":19801,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/17014\/revisions\/19801"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/media\/16606"}],"wp:attachment":[{"href":"https:\/\/hypotheques.ca\/en\/wp-json\/wp\/v2\/media?parent=17014"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}