{"id":7421,"date":"2026-09-17T20:14:29","date_gmt":"2026-09-18T01:14:29","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?page_id=7421"},"modified":"2026-09-30T18:15:39","modified_gmt":"2026-09-30T23:15:39","slug":"spousal-buyout-refinance-divorce","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/spousal-buyout-refinance-divorce\/","title":{"rendered":"Spousal buyout refinance divorce"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7421\" class=\"elementor elementor-7421 elementor-7415\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02ff7dc e-con-full e-flex e-con e-parent\" data-id=\"02ff7dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3515615 elementor-widget elementor-widget-html\" data-id=\"3515615\" data-element_type=\"widget\" data-e-type=\"widget\" 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id=\"sh-sep-landing\" data-sh-lang=\"en\" data-sh-form=\"separation_refinancing\">\n\n  <!-- ================= HERO ================= -->\n  <section class=\"sh-hero\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-hero-grid\">\n        <div>\n          <p class=\"sh-kicker\">Homeowners going through a separation \u2014 Quebec<\/p>\n\n          <h1>Divorce or separation: refinancing to buy out your ex-spouse and keep the home<\/h1>\n\n          <p class=\"sh-lead\">You need to pay out your ex-spouse's share of the property, or have their name taken off the mortgage, and your bank has said no? A decline does not automatically mean the house has to be sold. Depending on your equity, your income and the file as a whole, there may be other ways to structure the financing.<\/p>\n\n          <ul class=\"sh-checklist\">\n            <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>Buying out your ex-spouse's share<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>Removing a spouse or co-borrower from the mortgage<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>Refinancing after a divorce or separation<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>Declined by the bank despite the equity in the home<\/span><\/li>\n          <\/ul>\n\n          <div class=\"sh-actions\">\n            <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"hero\">Get my free review<\/button>\n            <a class=\"sh-btn sh-btn--ghost\" href=\"tel:+15149999946\" data-sh-phone=\"hero\">Talk to a broker: 514-999-9946<\/a>\n          <\/div>\n\n          <p class=\"sh-credentials\">Nectarios Petropoulos, mortgage broker (licence 237338), Dominion Lending Centres National. Free, confidential review with no obligation.<\/p>\n        <\/div>\n\n        <!-- ============ FORM ============ -->\n        <div class=\"sh-form-card\" id=\"sh-form-card\">\n          <h2 id=\"sh-lead-form\">Request a free review<\/h2>\n          <p class=\"sh-form-sub\">Fill out the form and we will call you back to go over your file. No obligation on your side.<\/p>\n\n          <form id=\"sh-lead\" novalidate>\n            <div class=\"sh-field\">\n              <label for=\"sh-name\">Full name<\/label>\n              <input type=\"text\" id=\"sh-name\" name=\"name\" autocomplete=\"name\" required aria-describedby=\"sh-name-err\" maxlength=\"100\">\n              <p class=\"sh-error\" id=\"sh-name-err\">Please enter your full name.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-phone\">Phone<\/label>\n              <input type=\"tel\" id=\"sh-phone\" name=\"phone\" autocomplete=\"tel\" inputmode=\"tel\" required aria-describedby=\"sh-phone-err\" maxlength=\"30\" placeholder=\"514 555 1234\">\n              <p class=\"sh-error\" id=\"sh-phone-err\">Please enter a valid phone number (10 digits).<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-email\">Email <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <input type=\"email\" id=\"sh-email\" name=\"email\" autocomplete=\"email\" aria-describedby=\"sh-email-err\" maxlength=\"120\">\n              <p class=\"sh-error\" id=\"sh-email-err\">Please check your email address.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-city\">City or region<\/label>\n              <input type=\"text\" id=\"sh-city\" name=\"city\" autocomplete=\"address-level2\" required aria-describedby=\"sh-city-err\" maxlength=\"80\">\n              <p class=\"sh-error\" id=\"sh-city-err\">Please enter your city or region.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-value\">Approximate property value<\/label>\n              <select id=\"sh-value\" name=\"property_value\" required aria-describedby=\"sh-value-err\">\n                <option value=\"\">Select a range<\/option>\n                <option value=\"lt200\">Under $200,000<\/option>\n                <option value=\"200_350\">$200,000 to $349,999<\/option>\n                <option value=\"350_500\">$350,000 to $499,999<\/option>\n                <option value=\"500_750\">$500,000 to $749,999<\/option>\n                <option value=\"750_1m\">$750,000 to $999,999<\/option>\n                <option value=\"gt1m\">$1,000,000 and over<\/option>\n              <\/select>\n              <p class=\"sh-error\" id=\"sh-value-err\">Please select a value range.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-balance\">Approximate mortgage balance <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <select id=\"sh-balance\" name=\"mortgage_balance\">\n                <option value=\"\">Select an answer<\/option>\n                <option value=\"none\">No balance, home is paid off<\/option>\n                <option value=\"lt100\">Under $100,000<\/option>\n                <option value=\"100_200\">$100,000 to $199,999<\/option>\n                <option value=\"200_300\">$200,000 to $299,999<\/option>\n                <option value=\"gt300\">$300,000 and over<\/option>\n                <option value=\"unknown\">I am not sure<\/option>\n              <\/select>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-goal\">Main objective<\/label>\n              <select id=\"sh-goal\" name=\"objective\" required aria-describedby=\"sh-goal-err\">\n                <option value=\"\">Select an objective<\/option>\n                <option value=\"buyout_ex\">Buy out my ex-spouse's share<\/option>\n                <option value=\"remove_ex\">Remove my ex-spouse from the mortgage<\/option>\n                <option value=\"keep_home\">Keep the home after the separation<\/option>\n                <option value=\"bank_refused\">My bank declined the refinance<\/option>\n                <option value=\"remove_cosigner\">Remove a cosigner or co-borrower<\/option>\n                <option value=\"other\">Something else or not sure yet<\/option>\n              <\/select>\n              <p class=\"sh-error\" id=\"sh-goal-err\">Please select your main objective.<\/p>\n            <\/div>\n\n            <div class=\"sh-field\">\n              <label for=\"sh-message\">Briefly describe your situation <span class=\"sh-optional\">(optional)<\/span><\/label>\n              <textarea id=\"sh-message\" name=\"message\" rows=\"4\" maxlength=\"1500\" placeholder=\"For example: where the separation stands, who lives in the home, the amount to be bought out.\"><\/textarea>\n            <\/div>\n\n            <div class=\"sh-consent\">\n              <input type=\"checkbox\" id=\"sh-consent\" name=\"consent\" required aria-describedby=\"sh-consent-err\">\n              <label for=\"sh-consent\">I agree to be contacted by phone or email about my request.<\/label>\n            <\/div>\n            <p class=\"sh-error\" id=\"sh-consent-err\" style=\"margin-top:-10px;\">We need your consent in order to contact you.<\/p>\n\n            <!-- anti-spam: leave empty -->\n            <div class=\"sh-hp\" aria-hidden=\"true\">\n              <label for=\"sh-website\">Do not fill in this field<\/label>\n              <input type=\"text\" id=\"sh-website\" name=\"website\" tabindex=\"-1\" autocomplete=\"off\">\n            <\/div>\n\n            <button type=\"submit\" class=\"sh-btn sh-btn--primary sh-btn--block\" id=\"sh-submit\" data-sh-cta=\"form\">Send my request<\/button>\n            <p class=\"sh-form-note\">Your information stays confidential and is only used to get back to you.<\/p>\n\n            <div class=\"sh-form-status\" id=\"sh-status\" role=\"alert\" aria-live=\"assertive\"><\/div>\n          <\/form>\n\n          <div class=\"sh-success\" id=\"sh-success\">\n            <h3>Thank you, your request has been sent<\/h3>\n            <p>We will contact you shortly to discuss your situation. If your request is urgent, you can also reach us at <a href=\"tel:+15149999946\" data-sh-phone=\"success\">514-999-9946<\/a>.<\/p>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= SITUATIONS ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">Who this is for<\/p>\n        <h2>Does any of this sound like you?<\/h2>\n        <p>A separation is not settled only at the lawyer's or the notary's office. At some point you have to decide what happens to the house \u2014 and that is usually where things stall.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--2\">\n        <div class=\"sh-card\">\n          <h3>You want to buy out the other party<\/h3>\n          <p>You want to stay on as sole owner and pay your ex-spouse the share they are entitled to under your agreement or the court order.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>A name has to come off the mortgage<\/h3>\n          <p>As long as both names stay on the loan, both of you remain liable for the payments and neither can really move on.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>The bank will not qualify you on your own<\/h3>\n          <p>One income instead of two, debt ratios that no longer work, or credit strained by the separation: the file stops fitting the usual criteria.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>A cosigner needs to be released<\/h3>\n          <p>A parent or a relative cosigned the mortgage and now wants to be released from that commitment.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>A deadline is putting pressure on you<\/h3>\n          <p>The judgment, the separation agreement or the notary has set a date, and you need to know quickly what is workable.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Selling is not your first choice<\/h3>\n          <p>You want to avoid a move, keep the children in the same neighbourhood, or hold on to a mortgage rate worth keeping.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= THE BASICS ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">The basics<\/p>\n        <h2>A spousal buyout, in plain terms<\/h2>\n        <p>Buying out your ex-spouse means financing the share of the equity that belongs to them so that you become the sole owner. Equity is the market value of the home minus the mortgage balance. On a property worth $500,000 with a $250,000 balance, equity is roughly $250,000; the amount to be paid out then depends on your agreement or the court order.<\/p>\n      <\/div>\n\n      <p style=\"max-width:70ch;color:var(--sh-muted);font-size:18px;\">In practice, it means putting a new mortgage in your name alone, large enough to pay off the existing loan and hand over the agreed share. The obstacle is rarely the equity \u2014 it is usually there \u2014 but whether you can qualify on a single income. Here are the routes that can be reviewed, depending on your file and your eligibility.<\/p>\n\n      <h3 style=\"font-size:24px;margin:44px 0 6px;\">Options that can be reviewed<\/h3>\n\n      <div class=\"sh-solution\">\n        <h3>Conventional refinance<\/h3>\n        <p>A new mortgage with a lender, in your name alone, if your income and credit meet the usual qualifying criteria.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Spousal buyout program<\/h3>\n        <p>Some mortgage insurers set out specific rules for buyouts between separating spouses, which in some cases allow more financing than a standard refinance. Strict conditions apply, particularly around documenting the agreement or the court order.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Alternative lender<\/h3>\n        <p>Lenders whose income and credit criteria differ from those of the banks. Often used as a transition step, giving you time to stabilize the file and requalify later.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Short-term private financing<\/h3>\n        <p>An option when the deadline is tight and the equity is substantial. Costs are higher: it only makes sense with an exit plan defined from the start.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Second mortgage<\/h3>\n        <p>When the existing first mortgage is worth keeping, the amount needed for the buyout can sometimes be financed in second position.<\/p>\n      <\/div>\n\n      <p style=\"max-width:70ch;color:var(--sh-muted);font-size:17px;margin-top:26px;\">None of these is better in the abstract. In some files the conclusion is that selling is the sounder route: that is a valid answer too, and it is better to know early.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- ================= HOW IT WORKS ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">The process<\/p>\n        <h2>How the review works<\/h2>\n        <p>A simple three-step process, at no cost and with no obligation.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--3 sh-steps--b\">\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">1<\/span>\n          <h3>We build the picture<\/h3>\n          <p>Property value, mortgage balance, the amount to be paid out, income, credit and any deadline set by the agreement or the judgment.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">2<\/span>\n          <h3>We compare the options<\/h3>\n          <p>We look at which lenders the file can realistically go to, on what terms, and what should be ruled out right away.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">3<\/span>\n          <h3>We coordinate<\/h3>\n          <p>If you move ahead, we work with the lender and your notary so the financing and the buyout line up.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= BENEFITS ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">What changes<\/p>\n        <h2>What the review can give you<\/h2>\n        <p>Every file is different and no outcome can be guaranteed in advance. Here is what homeowners are usually looking for.<\/p>\n      <\/div>\n\n      <ul class=\"sh-benefits\">\n        <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>A straight answer on whether keeping the home is realistic, before you commit to anything in the separation agreement.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>An idea of how much you might be able to finance to buy out your ex-spouse, subject to eligibility.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>An honest read of what it takes to get a name off the mortgage, and why an agreement between you is not enough on its own.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>Access to lenders beyond your own bank when it has already declined the file.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">\u2713<\/span><span>A clear picture even when the conclusion is that selling remains the better route.<\/span><\/li>\n      <\/ul>\n    <\/div>\n  <\/section>\n\n  <!-- ================= BROKER ================= -->\n  <section class=\"sh-section sh-section--sand\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-broker\">\n        <div>\n          <p class=\"sh-kicker\">Who you will be talking to<\/p>\n          <h2 style=\"font-size:clamp(28px,3vw,38px);margin:0 0 16px;\">A mortgage broker specializing in non-standard files<\/h2>\n          <p style=\"color:var(--sh-muted);max-width:60ch;\">Nectarios Petropoulos is a mortgage broker with Dominion Lending Centres National and has been working with Quebec homeowners since 2016, often on files the banks have turned down: separation, spousal buyout, cosigner removal, debt consolidation.<\/p>\n          <p style=\"color:var(--sh-muted);max-width:60ch;\">A broker works with several lenders: banks, alternative lenders and private lenders. The job is to compare what exists for your situation and explain the consequences of each option, including when selling is the sounder call.<\/p>\n          <p style=\"margin-top:26px;\">\n            <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"broker\">Get my free review<\/button>\n          <\/p>\n        <\/div>\n\n        <div class=\"sh-broker-card\">\n          <dl>\n            <dt>Broker<\/dt>\n            <dd>Nectarios Petropoulos<\/dd>\n            <dt>Licence number<\/dt>\n            <dd>237338<\/dd>\n            <dt>Brokerage<\/dt>\n            <dd>Dominion Lending Centres National<\/dd>\n            <dt>Office<\/dt>\n            <dd>2525 Daniel-Johnson Blvd, Laval, Quebec H7T 1S9<\/dd>\n            <dt>Phone<\/dt>\n            <dd><a href=\"tel:+15149999946\" data-sh-phone=\"broker\">514-999-9946<\/a><\/dd>\n          <\/dl>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= FAQ ================= -->\n  <section class=\"sh-section\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-section-head\">\n        <p class=\"sh-kicker\">Frequently asked questions<\/p>\n        <h2>Spousal buyouts and refinancing: your questions<\/h2>\n      <\/div>\n\n      <div class=\"sh-faq\">\n        <details>\n          <summary>Can I keep the house after a separation or divorce?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>In many files it is possible, but it comes down to three things: what the property is worth, how much has to go to your ex-spouse, and whether you can qualify on your own for the new mortgage. The review exists to check those three points before you commit to anything.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What is a spousal buyout?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>It is the transaction where one of the two owners pays the other the value of their share in the property in order to become the sole owner. The amount is usually financed through a new mortgage, and the transfer is done before a notary based on your separation agreement or the court order.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>How do I remove my ex-spouse's name from the mortgage?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>An agreement between you, even in writing, does not release your ex-spouse from the mortgage: only the lender can do that. In practice it almost always means a new mortgage in your name alone, which means qualifying on your own. Until that happens, both borrowers remain liable for the payments.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>My bank declined me on my own. Is that the end of it?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Not necessarily. Each lender applies its own income, credit and ratio criteria. A decline reflects one institution's grid, not the whole market. Depending on your equity and your file, other lenders \u2014 bank, alternative or private \u2014 may be able to structure it differently. That said, no outcome can be guaranteed before a review.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>How much can I finance for the buyout?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>No amount can be quoted in advance. It depends on the property value, the mortgage balance, your income, your credit, the program used and the lender's criteria. Programs designed specifically for buyouts between separating spouses can, under conditions, allow more financing than a standard refinance.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Do I need a separation agreement or a court order?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Lenders generally ask for a document that clearly sets out how the property is divided and what amount is to be paid: a separation agreement, a signed settlement or a judgment, depending on your situation. We can start the review before everything is finalized, but the financing will close on the basis of those documents, with your notary.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What if a parent or a relative cosigned?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>The logic is the same as for an ex-spouse: releasing a cosigner normally requires a new mortgage that you qualify for on your own, or with another borrower. The fact that the cosigner never made a payment does not change their commitment to the lender.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Is the review really free and confidential?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Yes. Reviewing your situation and comparing the options is free and carries no obligation, and the details you send are used only to get back to you. If a specific solution involves costs (lender fees, appraisal, notary, brokerage fees where applicable), they are laid out before you decide anything.<\/p>\n          <\/div>\n        <\/details>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= FINAL CTA ================= -->\n  <section class=\"sh-section sh-section--deep\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-final\">\n        <div>\n          <h2>Let's look at it before the decision is made for you<\/h2>\n          <p>A few minutes is enough to know whether keeping the home is realistic \u2014 or not \u2014 in your situation.<\/p>\n        <\/div>\n        <div class=\"sh-final-actions\">\n          <button type=\"button\" class=\"sh-btn sh-btn--primary\" data-sh-scroll=\"#sh-lead-form\" data-sh-cta=\"final\">Get my free review<\/button>\n          <a class=\"sh-phone-big\" href=\"tel:+15149999946\" data-sh-phone=\"final\">Or call 514-999-9946<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= DISCLAIMER ================= -->\n  <div class=\"sh-legal\">\n    <div class=\"sh-wrap\">\n      <p>The information on this page is provided for general guidance only and is not an offer of credit, a guarantee of approval, or legal or tax advice. Available solutions, amounts, rates and conditions vary with your situation, the property, the lender and your eligibility, and are subject to review. Division of family property, drafting the separation agreement and transferring title are matters for your lawyer, mediator or notary.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<script id=\"sh-sep-landing-js\">\n(function () {\n  \"use strict\";\n\n  var root = document.getElementById(\"sh-sep-landing\");\n  if (!root) return;\n\n  var LANG = root.getAttribute(\"data-sh-lang\") || \"en\";\n  var FORM_NAME = root.getAttribute(\"data-sh-form\") || \"separation_refinancing\";\n\n  var cfg = window.SH_LEAD_CONFIG || {};\n  var restBase = cfg.restUrl || (window.location.origin + \"\/wp-json\/sh-lead\/v1\/\");\n\n  function push(payload) {\n    window.dataLayer = window.dataLayer || [];\n    window.dataLayer.push(payload);\n  }\n\n  \/* ---------- Scroll to form ---------- *\/\n  root.addEventListener(\"click\", function (e) {\n    var scroller = e.target.closest(\"[data-sh-scroll]\");\n    if (scroller) {\n      var target = document.querySelector(scroller.getAttribute(\"data-sh-scroll\"));\n      if (target) {\n        var reduce = window.matchMedia(\"(prefers-reduced-motion: reduce)\").matches;\n        target.scrollIntoView({ behavior: reduce ? \"auto\" : \"smooth\", block: \"start\" });\n        var firstField = document.getElementById(\"sh-name\");\n        if (firstField) window.setTimeout(function () { firstField.focus({ preventScroll: true }); }, reduce ? 0 : 600);\n      }\n      push({\n        event: \"cta_click\",\n        form_name: FORM_NAME,\n        language: LANG,\n        cta_location: scroller.getAttribute(\"data-sh-cta\") || \"unknown\"\n      });\n      return;\n    }\n\n    var phone = e.target.closest(\"[data-sh-phone]\");\n    if (phone) {\n      push({\n        event: \"phone_click\",\n        form_name: FORM_NAME,\n        language: LANG,\n        cta_location: phone.getAttribute(\"data-sh-phone\") || \"unknown\"\n      });\n    }\n  });\n\n  \/* ---------- Form ---------- *\/\n  var form = document.getElementById(\"sh-lead\");\n  if (!form) return;\n\n  var card = document.getElementById(\"sh-form-card\");\n  var submitBtn = document.getElementById(\"sh-submit\");\n  var status = document.getElementById(\"sh-status\");\n  var success = document.getElementById(\"sh-success\");\n  var startedAt = Math.floor(Date.now() \/ 1000);\n  var token = null;\n  var started = false;\n  var sending = false;\n\n  var MSG = {\n    generic: \"Your request could not be sent. 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A decline does not automatically mean the house has to [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":53,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7421","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Spousal Buyout Mortgage Quebec | Refinance After Divorce<\/title>\n<meta name=\"description\" content=\"Divorcing or separating? See how refinancing may let you buy out your ex-spouse&#039;s share and keep the home. Free, no-obligation review with a broker.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/solutionshypotheques.ca\/refinancement-divorce-rachat-de-part\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Spousal Buyout Mortgage Quebec | Refinance After Divorce\" \/>\n<meta property=\"og:description\" content=\"Divorcing or separating? See how refinancing may let you buy out your ex-spouse&#039;s share and keep the home. 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