{"id":7431,"date":"2026-09-19T03:29:51","date_gmt":"2026-09-19T08:29:51","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?page_id=7431"},"modified":"2026-10-02T12:48:30","modified_gmt":"2026-10-02T17:48:30","slug":"mortgage-renewal-declined","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/mortgage-renewal-declined\/","title":{"rendered":"Mortgage renewal declined"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7431\" class=\"elementor elementor-7431 elementor-7426\" 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\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\n  ============================================================\n  Mortgage Renewal Declined | Options in Quebec\n  Paste into a \"Custom HTML\" block in WordPress\n  (page : \/mortgage-renewal-declined\/)\n\n  No header, no menu, no footer, no GTM script. 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.sh-lead{font-size:18px;}\n  .sh-lp .sh-section-head p{font-size:18px;}\n  .sh-lp .sh-faq summary{font-size:19px;padding:20px 40px 20px 0;}\n  .sh-lp .sh-final-actions{width:100%;}\n  .sh-lp .sh-phone-big{font-size:23px;}\n}\n@media (prefers-reduced-motion:reduce){\n  .sh-lp *{transition:none!important;animation:none!important;}\n}\n\n@media (max-width:820px){\n  .sh-lp--b .sh-steps{grid-template-columns:1fr;border-top:0;}\n  .sh-lp--b .sh-step{border-right:0;border-top:2px solid var(--sh-line);padding:28px 0 4px;}\n  .sh-lp--b .sh-step::before{top:-9px;}\n}\n<\/style>\n\n<div class=\"sh-lp sh-lp--b\" id=\"sh-lp-root\" data-sh-lang=\"en\" data-sh-form=\"renewal_declined_en\">\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 with a term coming due \u2014 Quebec<\/p>\n\n          <h1>Has your lender declined to renew your mortgage?<\/h1>\n\n          <p class=\"sh-lead\">Bank, B lender or private lender: a declined renewal puts a date on your calendar, not a sign on your lawn. Depending on your equity, your income and how much time is left, other refinancing options may exist.<\/p>\n\n          <ul class=\"sh-checklist\">\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Your bank will not renew your mortgage<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Your B lender has declined the renewal<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Your private lender wants to be repaid at maturity<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Your term is ending and you have no solution yet<\/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        <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 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, property 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=\"bank_declined\">Bank declined the renewal<\/option>\n                <option value=\"b_declined\">B lender declined the renewal<\/option>\n                <option value=\"private_due\">Private lender wants repayment<\/option>\n                <option value=\"term_ending\">Term ending, need to refinance<\/option>\n                <option value=\"avoid_sale\">Avoid selling the property<\/option>\n                <option value=\"other\">Other 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: maturity date, reason given by the lender, balance owing.\"><\/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            <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 declined renewal almost never has the same cause twice. What changes is how much time you have left to react.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--2\">\n        <div class=\"sh-card\">\n          <h3>Declined by your bank<\/h3>\n          <p>Your bank no longer wants to renew, usually because the file no longer fits its current income, credit or ratio criteria.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Declined by a B lender<\/h3>\n          <p>Your alternative lender is not extending the term and you need new financing before the maturity date.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Private lender wants repayment<\/h3>\n          <p>A private loan is built to be short. At maturity the balance comes due and the lender is under no obligation to renew.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Letter in hand, no plan<\/h3>\n          <p>You have received the non-renewal notice and you are not sure where to start or who to call.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= COMPRENDRE \/ SOLUTIONS ================= -->\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 non-renewal is not a foreclosure<\/h2>\n        <p>A lender is never obliged to renew at the end of a term. It can decide not to extend the loan even if you have never missed a payment. What that creates is a date on which the balance becomes due \u2014 and therefore a window to use well.<\/p>\n      <\/div>\n\n      <p class=\"sh-intro\">So the question is not \"why was I declined\" but \"which lender can take over before the date\". The more time is left, the longer the list and the cheaper the solution. Here are the routes that can be reviewed, depending on your file.<\/p>\n\n      <h3 class=\"sh-sub-h3\">Options that can be reviewed<\/h3>\n\n      <div class=\"sh-solution\">\n        <h3>Transfer to another bank<\/h3>\n        <p>If your file meets another prime lender's criteria, a straight transfer is usually the least expensive route.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Alternative (B) lender<\/h3>\n        <p>Lenders whose income, credit and ratio criteria differ from the banks'. Often used as a transition step.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Private financing<\/h3>\n        <p>A short-term option when the deadline is close and the equity is sufficient. Costs are higher: it only makes sense with an exit plan set from the start.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Refinance with consolidation<\/h3>\n        <p>If high-rate debt is dragging your ratios down, folding it into the refinance can, subject to eligibility, improve the picture presented to the new lender.<\/p>\n      <\/div>\n\n      <p class=\"sh-note\">In some files the conclusion is that selling is the sounder route. That is a valid answer too, and it is far better to know it early than three weeks before maturity.<\/p>\n    <\/div>\n  <\/section>\n\n  <!-- ================= D\u00c9MARCHE ================= -->\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-steps sh-grid sh-grid--3\">\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>Maturity date, balance, property value, income, credit and the reason given by your current lender.<\/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 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 new lender and the notary so the payout happens on time.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/section>\n\n  <!-- ================= B\u00c9N\u00c9FICES ================= -->\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 the review usually gives you.<\/p>\n      <\/div>\n\n      <ul class=\"sh-benefits\">\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A clear read on how much time you actually have and what that changes.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>The lenders most likely to accept the file, subject to eligibility.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>The real cost of each route, including the fees people usually forget.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A way to avoid reaching maturity with no solution and no leverage.<\/span><\/li>\n      <\/ul>\n    <\/div>\n  <\/section>\n\n  <!-- ================= COURTIER ================= -->\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, many of whom arrive with a non-renewal letter in hand.<\/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 doing nothing is the better 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>Declined renewals: your questions<\/h2>\n      <\/div>\n\n      <div class=\"sh-faq\">\n        <details>\n          <summary>Why can a lender refuse to renew my mortgage?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>A lender has no obligation to renew at the end of a term. The decision can come from missed payments, a drop in income, a change in your credit, the nature of the property, or simply a change in the lender's internal policy. In some files nothing has changed at all \u2014 the criteria have.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Am I at risk of losing my home?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>A non-renewal is not a repossession proceeding. It means the balance becomes due at maturity. The risk comes from doing nothing: if no solution is in place and the balance is not repaid, the lender can start proceedings. Acting early is exactly what prevents that.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What happens if my private lender will not renew?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>You generally have to plan for full repayment on the date set in the contract. We check whether refinancing with another lender is possible given your equity, your income and the time available.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Should I wait until maturity before looking for a solution?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>No, and that is the most useful line on this page. A file prepared three months out has access to more lenders and better terms than one put together three weeks out. Time is the variable that costs the most.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>My credit has taken a hit. Does that rule everything out?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Not necessarily. Alternative and private lenders weigh the equity in the property and your ability to pay more heavily than the credit score alone. Eligibility and terms still depend on the whole file, and nothing can be guaranteed before a review.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What does the review cost?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Nothing. Reviewing your situation and comparing the options is free and carries no obligation. 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  <!-- ================= CTA FINAL ================= -->\n  <section class=\"sh-section sh-section--deep\">\n    <div class=\"sh-wrap\">\n      <div class=\"sh-final\">\n        <div>\n          <h2>Term coming due? Let's look at your options now<\/h2>\n          <p>A few minutes is enough to know how much time you have and which routes are still open.<\/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  <!-- ================= MENTIONS ================= -->\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 or a guarantee of approval. Available solutions, amounts, rates and conditions vary with your situation, the property, the lender and your eligibility, and are subject to review.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<!-- FAQ structured data. 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Bank, B lender or private lender: a declined renewal puts a date on your calendar, not a sign on your lawn. Depending on your equity, your income and how much time is left, other refinancing options may exist. &#10003;Your [&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-7431","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>Mortgage Renewal Declined | Options in Quebec<\/title>\n<meta name=\"description\" content=\"Has your bank, B lender or private lender declined to renew your mortgage? See what refinancing options may exist before your term ends. 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