{"id":7480,"date":"2026-09-19T08:25:59","date_gmt":"2026-09-19T13:25:59","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?page_id=7480"},"modified":"2026-09-30T18:22:53","modified_gmt":"2026-09-30T23:22:53","slug":"exit-private-mortgage","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/exit-private-mortgage\/","title":{"rendered":"Exit a private mortgage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7480\" class=\"elementor elementor-7480 elementor-7475\" 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  Exit a Private Mortgage | Lower-Cost Options in Quebec\n  Paste into a \"Custom HTML\" block in WordPress\n  (page : \/exit-private-mortgage\/)\n\n  No header, no menu, no footer, no GTM script. All styles are scoped under .sh-lp\n  ============================================================\n-->\n\n<style id=\"sh-lp-css\">\n\/* ---------- Tokens + reset local (aucun style global) ---------- *\/\n.sh-lp{\n  --sh-ink:#000000;\n  --sh-ink-soft:#333333;\n  --sh-muted:#5a5a5a;\n  --sh-gold:#E7B43A;\n  --sh-gold-deep:#A8790B;\n  --sh-gold-tint:#FCF4E2;\n  --sh-paper:#FFFFFF;\n  --sh-sand:#F7F4EE;\n  --sh-deep:#15181C;\n  --sh-line:#E2DCD1;\n  --sh-line-soft:#EFEBE3;\n  --sh-radius:6px;\n  --sh-shadow:0 12px 34px rgba(0,0,0,.07);\n  --sh-max:1160px;\n\n  font-family:\"Arimo\",\"Helvetica Neue\",Helvetica,Arial,sans-serif;\n  font-size:18px;\n  line-height:1.7;\n  color:var(--sh-ink);\n  background:var(--sh-paper);\n  -webkit-font-smoothing:antialiased;\n  text-rendering:optimizeLegibility;\n}\n.sh-lp *,\n.sh-lp *::before,\n.sh-lp *::after{box-sizing:border-box;}\n\n.sh-lp p,\n.sh-lp ul,\n.sh-lp ol,\n.sh-lp h2,\n.sh-lp h3{margin:0 0 18px;}\n.sh-lp ul{padding-left:0;list-style:none;}\n.sh-lp img{max-width:100%;height:auto;}\n\n.sh-lp h1,\n.sh-lp h2,\n.sh-lp h3,\n.sh-lp .sh-display{\n  font-family:\"Playfair Display\",Georgia,\"Times New Roman\",serif;\n  font-weight:600;\n  line-height:1.18;\n  letter-spacing:-.01em;\n  color:var(--sh-ink);\n}\n\n\/* ---------- Conteneur \/ rythme ---------- *\/\n.sh-lp .sh-wrap{\n  width:100%;\n  max-width:var(--sh-max);\n  margin:0 auto;\n  padding:0 24px;\n}\n.sh-lp .sh-section{padding:76px 0;}\n.sh-lp .sh-section--sand{background:var(--sh-sand);}\n.sh-lp .sh-section--deep{background:var(--sh-deep);}\n.sh-lp .sh-section--tight{padding:56px 0;}\n\n.sh-lp .sh-kicker{\n  display:flex;\n  align-items:center;\n  gap:12px;\n  font-size:16px;\n  font-weight:700;\n  color:var(--sh-ink-soft);\n  margin:0 0 16px;\n}\n.sh-lp .sh-kicker::before{\n  content:\"\";\n  width:34px;\n  height:3px;\n  background:var(--sh-gold);\n  flex:none;\n}\n.sh-lp .sh-section-head{max-width:720px;margin:0 0 42px;}\n.sh-lp .sh-section-head h2{\n  font-size:clamp(28px,3vw,40px);\n  margin:0 0 14px;\n}\n.sh-lp .sh-section-head p{\n  font-size:19px;\n  color:var(--sh-muted);\n  margin:0;\n  max-width:62ch;\n}\n\n\/* ---------- Hero ---------- *\/\n.sh-lp .sh-hero{\n  padding:64px 0 72px;\n  background:\n    linear-gradient(180deg,#FFFDF8 0%,#FFFFFF 70%);\n  border-bottom:1px solid var(--sh-line-soft);\n}\n.sh-lp .sh-hero-grid{\n  display:grid;\n  grid-template-columns:1.02fr .98fr;\n  gap:56px;\n  align-items:start;\n}\n.sh-lp .sh-hero h1{\n  font-size:clamp(32px,4.1vw,52px);\n  margin:0 0 22px;\n  max-width:17ch;\n}\n.sh-lp .sh-lead{\n  font-size:20px;\n  line-height:1.65;\n  color:var(--sh-ink-soft);\n  max-width:56ch;\n  margin:0 0 28px;\n}\n.sh-lp .sh-checklist{\n  display:grid;\n  gap:12px;\n  margin:0 0 32px;\n  max-width:56ch;\n}\n.sh-lp .sh-checklist li{\n  display:flex;\n  gap:14px;\n  align-items:flex-start;\n  font-size:18px;\n  line-height:1.55;\n}\n.sh-lp .sh-check{\n  flex:none;\n  width:26px;height:26px;\n  margin-top:2px;\n  border-radius:50%;\n  background:var(--sh-gold-tint);\n  border:1px solid rgba(231,180,58,.55);\n  color:var(--sh-gold-deep);\n  font-size:14px;\n  font-weight:700;\n  display:flex;align-items:center;justify-content:center;\n}\n.sh-lp .sh-actions{\n  display:flex;\n  flex-wrap:wrap;\n  gap:14px;\n  align-items:center;\n  margin:0 0 24px;\n}\n.sh-lp .sh-credentials{\n  font-size:16px;\n  color:var(--sh-muted);\n  line-height:1.6;\n  max-width:52ch;\n  margin:0;\n  padding-top:22px;\n  border-top:1px solid var(--sh-line);\n}\n\n\/* ---------- Boutons ---------- *\/\n.sh-lp .sh-btn{\n  display:inline-flex;\n  align-items:center;\n  justify-content:center;\n  gap:10px;\n  min-height:56px;\n  padding:15px 30px;\n  border-radius:var(--sh-radius);\n  border:2px solid transparent;\n  font-family:inherit;\n  font-size:18px;\n  font-weight:700;\n  line-height:1.25;\n  text-align:center;\n  text-decoration:none;\n  cursor:pointer;\n  transition:background-color .18s ease,border-color .18s ease,color .18s ease;\n}\n.sh-lp .sh-btn--primary{\n  background:var(--sh-gold);\n  border-color:var(--sh-gold);\n  color:#1A1203;\n  box-shadow:0 8px 20px rgba(231,180,58,.28);\n}\n.sh-lp .sh-btn--primary:hover{background:#D9A527;border-color:#D9A527;color:#1A1203;}\n.sh-lp .sh-btn--ghost{\n  background:transparent;\n  border-color:var(--sh-ink);\n  color:var(--sh-ink);\n}\n.sh-lp .sh-btn--ghost:hover{background:var(--sh-ink);color:#fff;}\n.sh-lp .sh-btn--light{\n  background:#fff;border-color:#fff;color:var(--sh-ink);\n}\n.sh-lp .sh-btn--light:hover{background:#F0EBE1;border-color:#F0EBE1;}\n.sh-lp .sh-btn--block{width:100%;}\n.sh-lp .sh-btn[disabled]{opacity:.62;cursor:not-allowed;box-shadow:none;}\n\n.sh-lp a:focus-visible,\n.sh-lp button:focus-visible,\n.sh-lp input:focus-visible,\n.sh-lp select:focus-visible,\n.sh-lp textarea:focus-visible,\n.sh-lp summary:focus-visible{\n  outline:3px solid var(--sh-gold-deep);\n  outline-offset:3px;\n  border-radius:4px;\n}\n\n\/* ---------- Formulaire ---------- *\/\n.sh-lp .sh-form-card{\n  background:var(--sh-paper);\n  border:1px solid var(--sh-line);\n  border-top:5px solid var(--sh-gold);\n  border-radius:var(--sh-radius);\n  box-shadow:var(--sh-shadow);\n  padding:32px;\n}\n.sh-lp .sh-form-card h2{font-size:26px;margin:0 0 8px;}\n.sh-lp .sh-form-card .sh-form-sub{\n  font-size:16px;color:var(--sh-muted);margin:0 0 24px;\n}\n.sh-lp .sh-field{margin:0 0 18px;}\n.sh-lp .sh-field label{\n  display:block;\n  font-size:16px;\n  font-weight:700;\n  margin:0 0 7px;\n  color:var(--sh-ink);\n}\n.sh-lp .sh-optional{font-weight:400;color:var(--sh-muted);}\n.sh-lp .sh-field input,\n.sh-lp .sh-field select,\n.sh-lp .sh-field textarea{\n  width:100%;\n  min-height:54px;\n  padding:13px 14px;\n  font-family:inherit;\n  font-size:17px;\n  line-height:1.5;\n  color:var(--sh-ink);\n  background:#fff;\n  border:1px solid #BDB6A8;\n  border-radius:var(--sh-radius);\n  appearance:none;\n  -webkit-appearance:none;\n}\n.sh-lp .sh-field select{\n  background-image:url(\"data:image\/svg+xml;charset=utf8,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath d='M1 1l6 6 6-6' fill='none' stroke='%23333' stroke-width='2'\/%3E%3C\/svg%3E\");\n  background-repeat:no-repeat;\n  background-position:right 16px center;\n  padding-right:44px;\n}\n.sh-lp .sh-field textarea{min-height:110px;resize:vertical;}\n.sh-lp .sh-field input:hover,\n.sh-lp .sh-field select:hover,\n.sh-lp .sh-field textarea:hover{border-color:#8C8577;}\n.sh-lp .sh-field--error input,\n.sh-lp .sh-field--error select,\n.sh-lp .sh-field--error textarea{border-color:#B3261E;border-width:2px;}\n.sh-lp .sh-error{\n  display:none;\n  font-size:15px;\n  font-weight:700;\n  color:#B3261E;\n  margin:7px 0 0;\n}\n.sh-lp .sh-field--error .sh-error{display:block;}\n\n.sh-lp .sh-consent{\n  display:flex;\n  gap:12px;\n  align-items:flex-start;\n  margin:0 0 20px;\n}\n.sh-lp .sh-consent input{\n  flex:none;\n  width:26px;height:26px;\n  min-height:0;\n  margin:3px 0 0;\n  accent-color:var(--sh-gold-deep);\n  appearance:auto;\n  -webkit-appearance:checkbox;\n}\n.sh-lp .sh-consent label{\n  font-size:16px;\n  font-weight:400;\n  line-height:1.5;\n  color:var(--sh-ink-soft);\n  margin:0;\n}\n.sh-lp .sh-hp{\n  position:absolute!important;\n  width:1px;height:1px;\n  overflow:hidden;\n  clip:rect(0 0 0 0);\n  white-space:nowrap;\n}\n.sh-lp .sh-form-note{\n  font-size:15px;\n  color:var(--sh-muted);\n  margin:14px 0 0;\n  text-align:center;\n}\n.sh-lp .sh-form-status{margin:18px 0 0;}\n.sh-lp .sh-alert{\n  padding:16px 18px;\n  border-radius:var(--sh-radius);\n  font-size:17px;\n  line-height:1.55;\n}\n.sh-lp .sh-alert--error{background:#FDECEA;border:1px solid #E0A9A4;color:#8C1D18;}\n.sh-lp .sh-success{\n  display:none;\n  background:var(--sh-gold-tint);\n  border:1px solid rgba(231,180,58,.6);\n  border-radius:var(--sh-radius);\n  padding:30px;\n  text-align:center;\n}\n.sh-lp .sh-success h3{font-size:24px;margin:0 0 10px;}\n.sh-lp .sh-success p{margin:0;font-size:17px;color:var(--sh-ink-soft);}\n.sh-lp .sh-form-card.is-sent form{display:none;}\n.sh-lp .sh-form-card.is-sent .sh-success{display:block;}\n.sh-lp .sh-form-card.is-sent .sh-form-sub{display:none;}\n\n\/* ---------- Cartes \/ grilles ---------- *\/\n.sh-lp .sh-grid{display:grid;gap:22px;}\n.sh-lp .sh-grid--2{grid-template-columns:repeat(2,1fr);}\n.sh-lp .sh-grid--3{grid-template-columns:repeat(3,1fr);}\n.sh-lp .sh-card{\n  background:var(--sh-paper);\n  border:1px solid var(--sh-line);\n  border-radius:var(--sh-radius);\n  padding:28px;\n}\n.sh-lp .sh-card h3{font-size:21px;margin:0 0 10px;}\n.sh-lp .sh-card p{margin:0;font-size:17px;color:var(--sh-muted);}\n.sh-lp .sh-card--plain{background:transparent;border:0;padding:0;}\n\n.sh-lp .sh-solution{\n  padding:24px 0;\n  border-top:1px solid var(--sh-line);\n  display:grid;\n  grid-template-columns:minmax(200px,.8fr) 1.2fr;\n  gap:10px 40px;\n  align-items:start;\n}\n.sh-lp .sh-solution:last-child{border-bottom:1px solid var(--sh-line);}\n.sh-lp .sh-solution h3{font-size:22px;margin:0;}\n.sh-lp .sh-solution p{margin:0;color:var(--sh-muted);font-size:17px;}\n\n.sh-lp .sh-step{\n  background:var(--sh-paper);\n  border:1px solid var(--sh-line);\n  border-radius:var(--sh-radius);\n  padding:28px;\n}\n.sh-lp .sh-step-num{\n  font-family:\"Playfair Display\",Georgia,serif;\n  font-size:34px;\n  line-height:1;\n  color:var(--sh-gold-deep);\n  display:block;\n  margin:0 0 12px;\n}\n.sh-lp .sh-step h3{font-size:21px;margin:0 0 10px;}\n.sh-lp .sh-step p{margin:0;font-size:17px;color:var(--sh-muted);}\n\n.sh-lp .sh-benefits li{\n  display:flex;\n  gap:16px;\n  align-items:flex-start;\n  padding:18px 0;\n  border-bottom:1px solid var(--sh-line);\n  font-size:18px;\n  line-height:1.6;\n}\n.sh-lp .sh-benefits li:first-child{border-top:1px solid var(--sh-line);}\n\n\/* ---------- Bloc courtier ---------- *\/\n.sh-lp .sh-broker{\n  display:grid;\n  grid-template-columns:1.1fr .9fr;\n  gap:44px;\n  align-items:start;\n}\n.sh-lp .sh-broker-card{\n  background:var(--sh-paper);\n  border:1px solid var(--sh-line);\n  border-left:4px solid var(--sh-gold);\n  border-radius:var(--sh-radius);\n  padding:28px;\n}\n.sh-lp .sh-broker-card dl{margin:0;font-size:17px;}\n.sh-lp .sh-broker-card dt{\n  font-weight:700;\n  color:var(--sh-ink);\n  margin:0 0 2px;\n}\n.sh-lp .sh-broker-card dd{\n  margin:0 0 16px;\n  color:var(--sh-muted);\n}\n.sh-lp .sh-broker-card dd:last-child{margin-bottom:0;}\n.sh-lp .sh-broker-card a{color:var(--sh-ink);font-weight:700;}\n\n\/* ---------- FAQ ---------- *\/\n.sh-lp .sh-faq{max-width:840px;}\n.sh-lp .sh-faq details{\n  border-bottom:1px solid var(--sh-line);\n  background:transparent;\n}\n.sh-lp .sh-faq details:first-of-type{border-top:1px solid var(--sh-line);}\n.sh-lp .sh-faq summary{\n  cursor:pointer;\n  list-style:none;\n  padding:22px 46px 22px 0;\n  position:relative;\n  font-family:\"Playfair Display\",Georgia,serif;\n  font-size:21px;\n  font-weight:600;\n  line-height:1.35;\n}\n.sh-lp .sh-faq summary::-webkit-details-marker{display:none;}\n.sh-lp .sh-faq summary::after{\n  content:\"+\";\n  position:absolute;\n  right:6px;top:50%;\n  transform:translateY(-50%);\n  font-family:\"Arimo\",Arial,sans-serif;\n  font-size:26px;\n  font-weight:400;\n  color:var(--sh-gold-deep);\n}\n.sh-lp .sh-faq details[open] summary::after{content:\"\u2013\";}\n.sh-lp .sh-faq .sh-faq-body{padding:0 0 24px;}\n.sh-lp .sh-faq .sh-faq-body p{\n  margin:0 0 14px;\n  color:var(--sh-ink-soft);\n  font-size:17px;\n  max-width:70ch;\n}\n.sh-lp .sh-faq .sh-faq-body p:last-child{margin-bottom:0;}\n\n\/* ---------- CTA final ---------- *\/\n.sh-lp .sh-final{\n  display:grid;\n  grid-template-columns:1.2fr .8fr;\n  gap:40px;\n  align-items:center;\n}\n.sh-lp .sh-section--deep h2{color:#fff;font-size:clamp(26px,3vw,38px);margin:0 0 14px;}\n.sh-lp .sh-section--deep p{color:#D9D4CA;margin:0;font-size:19px;max-width:56ch;}\n.sh-lp .sh-final-actions{display:flex;flex-direction:column;gap:14px;}\n.sh-lp .sh-phone-big{\n  font-family:\"Playfair Display\",Georgia,serif;\n  font-size:26px;\n  color:#fff;\n  text-decoration:none;\n  display:inline-flex;\n  align-items:center;\n  gap:10px;\n}\n.sh-lp .sh-phone-big:hover{color:var(--sh-gold);}\n\n\/* ---------- Mentions ---------- *\/\n.sh-lp .sh-legal{\n  padding:28px 0 56px;\n  background:var(--sh-paper);\n}\n.sh-lp .sh-legal p{\n  font-size:15px;\n  line-height:1.6;\n  color:var(--sh-muted);\n  max-width:90ch;\n  margin:0;\n}\n\n\n\/* ---------- Ajouts communs ---------- *\/\n.sh-lp .sh-steps{align-items:stretch;}\n.sh-lp .sh-network{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:26px;}\n.sh-lp .sh-network .sh-card{background:var(--sh-paper);}\n.sh-lp .sh-note{max-width:70ch;color:var(--sh-muted);font-size:17px;margin-top:26px;}\n.sh-lp .sh-intro{max-width:70ch;color:var(--sh-muted);font-size:18px;}\n.sh-lp .sh-sub-h3{font-size:24px;margin:44px 0 6px;}\n\/* ---------- Responsive ---------- *\/\n@media (max-width:1024px){\n  .sh-lp .sh-hero-grid{grid-template-columns:1fr;gap:44px;}\n  .sh-lp .sh-hero h1{max-width:20ch;}\n  .sh-lp .sh-broker{grid-template-columns:1fr;gap:32px;}\n  .sh-lp .sh-final{grid-template-columns:1fr;gap:28px;}\n}\n@media (max-width:820px){\n  .sh-lp .sh-grid--3{grid-template-columns:1fr 1fr;}\n  .sh-lp .sh-solution{grid-template-columns:1fr;gap:8px;}\n}\n@media (max-width:640px){\n  .sh-lp{font-size:17px;}\n  .sh-lp .sh-wrap{padding:0 18px;}\n  .sh-lp .sh-hero{padding:44px 0 52px;}\n  .sh-lp .sh-section{padding:52px 0;}\n  .sh-lp .sh-section--tight{padding:40px 0;}\n  .sh-lp .sh-grid--2,\n  .sh-lp .sh-grid--3{grid-template-columns:1fr;gap:16px;}\n  .sh-lp .sh-form-card{padding:24px 20px;}\n  .sh-lp .sh-card,\n  .sh-lp .sh-step,\n  .sh-lp .sh-broker-card{padding:22px 20px;}\n  .sh-lp .sh-actions{flex-direction:column;align-items:stretch;}\n  .sh-lp .sh-btn{width:100%;font-size:17px;padding:15px 20px;}\n  .sh-lp .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<\/style>\n<style id=\"sh-steps-b-css\">\n\/* \u00c9tapes \u00ab Comment se d\u00e9roule l\u2019analyse \u00bb : pr\u00e9sentation de la page 3 (petits cercles) *\/\n.sh-grid.sh-grid--3.sh-steps--b{grid-template-columns:repeat(3,1fr);gap:0;border-top:2px solid var(--sh-line);max-width:none;align-items:stretch}\n.sh-grid.sh-grid--3.sh-steps--b>.sh-step{display:block;background:transparent;border:0;border-right:1px solid var(--sh-line);border-radius:0;padding:30px 30px 4px 0;position:relative;box-shadow:none}\n.sh-grid.sh-grid--3.sh-steps--b>.sh-step:last-child{border-right:0}\n.sh-grid.sh-grid--3.sh-steps--b>.sh-step::before{content:\"\";position:absolute;top:-9px;left:0;width:16px;height:16px;border-radius:50%;background:var(--sh-gold)}\n.sh-grid.sh-grid--3.sh-steps--b .sh-step-num{font-family:\"Playfair Display\",Georgia,serif;font-size:26px;line-height:1;color:var(--sh-muted);display:block;margin:0 0 12px}\n.sh-grid.sh-grid--3.sh-steps--b .sh-step h3{font-size:21px;margin:0 0 10px}\n.sh-grid.sh-grid--3.sh-steps--b .sh-step p{margin:0;font-size:17px;color:var(--sh-muted)}\n@media (max-width:820px){.sh-grid.sh-grid--3.sh-steps--b{grid-template-columns:1fr;border-top:0}.sh-grid.sh-grid--3.sh-steps--b>.sh-step{border-right:0;border-top:2px solid var(--sh-line);padding:28px 0 4px}}\n@media (max-width:640px){.sh-grid.sh-grid--3.sh-steps--b{gap:16px}}\n<\/style>\n\n<div class=\"sh-lp sh-lp--a\" id=\"sh-lp-root\" data-sh-lang=\"en\" data-sh-form=\"private_exit_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\">Owners in private financing \u2014 Quebec<\/p>\n\n          <h1>Carrying a private mortgage? Let's see whether you can get out of it now<\/h1>\n\n          <p class=\"sh-lead\">Private financing is a stage, not a destination. If your credit, your income or your equity has improved since, it may be time to check whether an alternative or prime lender can take over at a lower cost.<\/p>\n\n          <ul class=\"sh-checklist\">\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Your private mortgage is coming due<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Your situation has improved since it was set up<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>You want to bring your rate and fees down<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>You are aiming to move back to a B or prime lender<\/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=\"exit_private\">Exit my private mortgage<\/option>\n                <option value=\"reduce_cost\">Lower my rate and fees<\/option>\n                <option value=\"term_ending\">My private mortgage is coming due<\/option>\n                <option value=\"check_eligibility\">Check if I qualify for a B or prime lender<\/option>\n                <option value=\"consolidate\">Consolidate debt at the same time<\/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: when the private loan was set up, current rate, maturity date.\"><\/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>Private financing solves an emergency. After a term or two, the real question becomes whether it is still necessary.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--2\">\n        <div class=\"sh-card\">\n          <h3>The term is coming up<\/h3>\n          <p>You do not want to renew in the private space by default without checking what you qualify for today.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Credit has been rebuilt<\/h3>\n          <p>Payments current, balances down, score recovered: your file looks nothing like it did two years ago.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>The cost is heavy<\/h3>\n          <p>Higher rate, interest-only payments, annual renewal fees: the structure is expensive to carry over time.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>The plan got lost<\/h3>\n          <p>The private loan was meant to last twelve months. Three years later, nobody has reopened the file.<\/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>Why a private mortgage should always have an exit<\/h2>\n        <p>A private lender lends mainly on the value of the property. That is what allows a fast fix for a situation the banks declined \u2014 and it has a price: a higher rate, setup fees, often short terms and interest-only payments that never touch the principal.<\/p>\n      <\/div>\n\n      <p class=\"sh-intro\">The exit has to be prepared: rebuild credit, document income, clear tax debt or arrears, then bring the file forward at the right moment. Here are the routes that can be reviewed.<\/p>\n\n      <h3 class=\"sh-sub-h3\">Options that can be reviewed<\/h3>\n\n      <div class=\"sh-solution\">\n        <h3>Straight back to a prime lender<\/h3>\n        <p>If your file meets a bank's criteria again, this is the cheapest exit. It usually requires twelve months of clean payment history.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Alternative (B) lender<\/h3>\n        <p>The most common intermediate step: clearly cheaper than private, more flexible than a bank, and one term to finish consolidating the file.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Refinance with consolidation<\/h3>\n        <p>Folding remaining debt into the exit can, subject to eligibility, improve your ratios and bring the new financing within reach.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Negotiated private renewal<\/h3>\n        <p>If the exit is not realistic yet, the terms can still be renegotiated and a precise plan set for the next maturity.<\/p>\n      <\/div>\n\n      <p class=\"sh-note\">The right moment is not always today. Six more months in private financing sometimes costs less than a poorly prepared exit that falls through. Settling that question is part of the review.<\/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 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>Current private terms, maturity, equity, credit, income, debts and what has changed since it was set up.<\/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 check what you qualify for today and what each route would really cost, penalties and fees included.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">3<\/span>\n          <h3>We coordinate the move<\/h3>\n          <p>If the exit is possible, we arrange the new financing and the payout of the private lender.<\/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>Whether you already qualify for something cheaper, or what is left to do.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>The total cost of staying versus leaving, fees included.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A way to avoid an automatic renewal that carries forward terms you no longer need.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A dated plan instead of a loan that quietly renews year after year.<\/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. He arranges private financing when it is warranted, and has spent since 2016 getting clients out of it as soon as their file allows.<\/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>Private financing: your questions<\/h2>\n      <\/div>\n\n      <div class=\"sh-faq\">\n        <details>\n          <summary>How do I know if I can get out of my private mortgage?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>We look at your current credit, your income, your debts, the equity available and your payment history since the private loan was set up. Those are the five things the next lender will examine.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Should I wait for maturity?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>No, it is better to prepare three to six months out. That leaves time to fix what needs fixing and avoids negotiating against a deadline. Leaving mid-term can trigger a penalty, so that gets calculated first.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Can I go straight from private to a bank?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>It happens in some files, but an intermediate step with an alternative lender is common. Banks generally want recent, clean payment history and demonstrable income.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>How long does requalifying take?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>It depends on the starting point. Often twelve to twenty-four months of on-time payments and cleaned-up credit. Some files move faster, others need longer.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Is it worth it if there is little time left in the term?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Often yes, precisely because the window is short. That is when exit costs are lowest and the next renewal can still be avoided.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What if I do not qualify yet?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>The review says so plainly and becomes the plan instead: what to fix, in what order, and when to pick the process back up.<\/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>Still in private financing? Let's check whether you still need to be<\/h2>\n          <p>A few minutes is enough to know what you qualify for today and what leaving would cost.<\/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, a guarantee of approval, or a promise of savings. Eligibility, rates, fees and penalties vary with your situation, the property and the lender, and are subject to review.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<!-- FAQ structured data. Delete this block if your SEO plugin already outputs FAQ markup for this page. -->\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": [{\"@type\": \"Question\", \"name\": \"How do I know if I can get out of my private mortgage?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"We look at your current credit, your income, your debts, the equity available and your payment history since the private loan was set up. Those are the four things the next lender will examine.\"}}, {\"@type\": \"Question\", \"name\": \"Should I wait for maturity?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"No, it is better to prepare three to six months out. That leaves time to fix what needs fixing and avoids negotiating against a deadline. Leaving mid-term can trigger a penalty, so that gets calculated first.\"}}, {\"@type\": \"Question\", \"name\": \"Can I go straight from private to a bank?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It happens in some files, but an intermediate step with an alternative lender is common. Banks generally want recent, clean payment history and demonstrable income.\"}}, {\"@type\": \"Question\", \"name\": \"How long does requalifying take?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It depends on the starting point. Often twelve to twenty-four months of on-time payments and cleaned-up credit. Some files move faster, others need longer.\"}}, {\"@type\": \"Question\", \"name\": \"Is it worth it if there is little time left in the term?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"Often yes, precisely because the window is short. That is when exit costs are lowest and the next renewal can still be avoided.\"}}, {\"@type\": \"Question\", \"name\": \"What if I do not qualify yet?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"The review says so plainly and becomes the plan instead: what to fix, in what order, and when to pick the process back up.\"}}]}<\/script>\n\n<script id=\"sh-lp-js\">\n(function () {\n  \"use strict\";\n\n  var root = document.getElementById(\"sh-lp-root\");\n  if (!root) return;\n\n  var LANG = root.getAttribute(\"data-sh-lang\") || \"en\";\n  var FORM_NAME = root.getAttribute(\"data-sh-form\") || \"lead_form\";\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. Please try again in a moment or call us at 514-999-9946.\",\n    network: \"The connection failed. Please check your internet connection and try again, or call us at 514-999-9946.\",\n    fields: \"Please correct the fields marked above.\",\n    sending: \"Sending\u2026\",\n    submit: \"Send my request\"\n  };\n\n  function getToken() {\n    return fetch(restBase + \"token\", { credentials: \"same-origin\" })\n      .then(function (r) { return r.json(); })\n      .then(function (d) { token = d && d.nonce ? d.nonce : null; return token; })\n      .catch(function () { return null; });\n  }\n\n  function markStart() {\n    if (started) return;\n    started = true;\n    push({ event: \"lead_form_start\", form_name: FORM_NAME, language: LANG });\n    getToken();\n  }\n  form.addEventListener(\"focusin\", markStart, { once: false });\n  form.addEventListener(\"change\", markStart);\n\n  function setError(input, on) {\n    var field = input.closest(\".sh-field\") || input.closest(\".sh-consent\");\n    if (input.id === \"sh-consent\") {\n      var err = document.getElementById(\"sh-consent-err\");\n      if (err) err.style.display = on ? \"block\" : \"none\";\n      input.setAttribute(\"aria-invalid\", on ? \"true\" : \"false\");\n      return;\n    }\n    if (!field) return;\n    field.classList.toggle(\"sh-field--error\", on);\n    input.setAttribute(\"aria-invalid\", on ? \"true\" : \"false\");\n  }\n\n  function digits(v) { return (v || \"\").replace(\/\\D\/g, \"\"); }\n\n  function validate() {\n    var bad = [];\n    var name = document.getElementById(\"sh-name\");\n    var phone = document.getElementById(\"sh-phone\");\n    var email = document.getElementById(\"sh-email\");\n    var city = document.getElementById(\"sh-city\");\n    var value = document.getElementById(\"sh-value\");\n    var goal = document.getElementById(\"sh-goal\");\n    var consent = document.getElementById(\"sh-consent\");\n\n    var nameOk = name.value.trim().length >= 2;\n    setError(name, !nameOk); if (!nameOk) bad.push(name);\n\n    var d = digits(phone.value);\n    var phoneOk = d.length >= 10 && d.length <= 15;\n    setError(phone, !phoneOk); if (!phoneOk) bad.push(phone);\n\n    var emailOk = email.value.trim() === \"\" || \/^[^\\s@]+@[^\\s@]+\\.[^\\s@]{2,}$\/.test(email.value.trim());\n    setError(email, !emailOk); if (!emailOk) bad.push(email);\n\n    var cityOk = city.value.trim().length >= 2;\n    setError(city, !cityOk); if (!cityOk) bad.push(city);\n\n    var valueOk = value.value !== \"\";\n    setError(value, !valueOk); if (!valueOk) bad.push(value);\n\n    var goalOk = goal.value !== \"\";\n    setError(goal, !goalOk); if (!goalOk) bad.push(goal);\n\n    var consentOk = consent.checked;\n    setError(consent, !consentOk); if (!consentOk) bad.push(consent);\n\n    return bad;\n  }\n\n  form.addEventListener(\"submit\", function (e) {\n    e.preventDefault();\n    if (sending) return;\n\n    status.innerHTML = \"\";\n    var bad = validate();\n    if (bad.length) {\n      status.innerHTML = '<div class=\"sh-alert sh-alert--error\">' + MSG.fields + \"<\/div>\";\n      bad[0].focus();\n      return;\n    }\n\n    sending = true;\n    submitBtn.disabled = true;\n    submitBtn.textContent = MSG.sending;\n\n    var payload = {\n      lang: LANG,\n      form_name: FORM_NAME,\n      name: document.getElementById(\"sh-name\").value,\n      phone: document.getElementById(\"sh-phone\").value,\n      email: document.getElementById(\"sh-email\").value,\n      city: document.getElementById(\"sh-city\").value,\n      property_value: document.getElementById(\"sh-value\").value,\n      objective: document.getElementById(\"sh-goal\").value,\n      message: document.getElementById(\"sh-message\").value,\n      consent: document.getElementById(\"sh-consent\").checked ? 1 : 0,\n      website: document.getElementById(\"sh-website\").value,\n      started_at: startedAt,\n      page_url: window.location.href\n    };\n\n    var secondEl = document.getElementById(\"sh-balance\");\n    if (secondEl) { payload[secondEl.name] = secondEl.value; }\n\n    function send() {\n      payload.sh_nonce = token || \"\";\n      return fetch(restBase + \"submit\", {\n        method: \"POST\",\n        credentials: \"same-origin\",\n        headers: { \"Content-Type\": \"application\/json\" },\n        body: JSON.stringify(payload)\n      }).then(function (r) {\n        return r.json().then(function (data) { return { ok: r.ok, status: r.status, data: data }; });\n      });\n    }\n\n    var chain = token ? Promise.resolve(token) : getToken();\n\n    chain.then(send).then(function (res) {\n      if (res.ok && res.data && res.data.success) {\n        \/* Success only when the server confirms it *\/\n        push({ event: \"lead_form_submit\", form_name: FORM_NAME, language: LANG });\n        card.classList.add(\"is-sent\");\n        success.setAttribute(\"tabindex\", \"-1\");\n        success.focus();\n        success.scrollIntoView({ block: \"center\", behavior: \"smooth\" });\n        return;\n      }\n\n      \/* Expired nonce (page cache): fetch a fresh token and retry once *\/\n      if (res.status === 403 && !payload.__retried) {\n        payload.__retried = true;\n        return getToken().then(send).then(function (res2) {\n          if (res2.ok && res2.data && res2.data.success) {\n            push({ event: \"lead_form_submit\", form_name: FORM_NAME, language: LANG });\n            card.classList.add(\"is-sent\");\n            success.setAttribute(\"tabindex\", \"-1\");\n            success.focus();\n            return;\n          }\n          throw new Error((res2.data && res2.data.message) || MSG.generic);\n        });\n      }\n\n      throw new Error((res.data && res.data.message) || MSG.generic);\n    }).catch(function (err) {\n      var msg = (err && err.message) ? err.message : MSG.network;\n      status.innerHTML = '<div class=\"sh-alert sh-alert--error\">' + msg + \"<\/div>\";\n      push({ event: \"lead_form_error\", form_name: FORM_NAME, language: LANG });\n    }).then(function () {\n      sending = false;\n      submitBtn.disabled = false;\n      submitBtn.textContent = MSG.submit;\n    });\n  });\n})();\n<\/script>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Owners in private financing \u2014 Quebec Carrying a private mortgage? Let&#8217;s see whether you can get out of it now Private financing is a stage, not a destination. If your credit, your income or your equity has improved since, it may be time to check whether an alternative or prime lender can take over at [&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-7480","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>Exit a Private Mortgage | Lower-Cost Options in Quebec<\/title>\n<meta name=\"description\" content=\"Carrying a private mortgage? See whether your situation now lets you move to a lower-cost alternative or prime lender in Quebec. Free review.\" \/>\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\/sortir-hypotheque-privee\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Exit a Private Mortgage | Lower-Cost Options in Quebec\" \/>\n<meta property=\"og:description\" content=\"Carrying a private mortgage? See whether your situation now lets you move to a lower-cost alternative or prime lender in Quebec. Free review.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/solutionshypotheques.ca\/sortir-hypotheque-privee\/\" \/>\n<meta property=\"og:site_name\" content=\"Solutions Hypotheques\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-30T23:22:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/solutionshypotheques.ca\/wp-content\/uploads\/2021\/06\/OG.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"813\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Exit a Private Mortgage | Lower-Cost Options in Quebec","description":"Carrying a private mortgage? See whether your situation now lets you move to a lower-cost alternative or prime lender in Quebec. Free review.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/solutionshypotheques.ca\/sortir-hypotheque-privee\/","og_locale":"en_US","og_type":"article","og_title":"Exit a Private Mortgage | Lower-Cost Options in Quebec","og_description":"Carrying a private mortgage? See whether your situation now lets you move to a lower-cost alternative or prime lender in Quebec. Free review.","og_url":"https:\/\/solutionshypotheques.ca\/sortir-hypotheque-privee\/","og_site_name":"Solutions Hypotheques","article_modified_time":"2026-09-30T23:22:53+00:00","og_image":[{"width":1920,"height":813,"url":"https:\/\/solutionshypotheques.ca\/wp-content\/uploads\/2021\/06\/OG.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/solutionshypotheques.ca\/sortir-hypotheque-privee\/","url":"https:\/\/solutionshypotheques.ca\/sortir-hypotheque-privee\/","name":"Exit a Private Mortgage | Lower-Cost Options in Quebec","isPartOf":{"@id":"https:\/\/solutionshypotheques.ca\/#website"},"datePublished":"2026-09-19T13:25:59+00:00","dateModified":"2026-09-30T23:22:53+00:00","description":"Carrying a private mortgage? See whether your situation now lets you move to a lower-cost alternative or prime lender in Quebec. Free review.","breadcrumb":{"@id":"https:\/\/solutionshypotheques.ca\/sortir-hypotheque-privee\/#breadcrumb"},"inLanguage":"en-ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/solutionshypotheques.ca\/sortir-hypotheque-privee\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/solutionshypotheques.ca\/sortir-hypotheque-privee\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/solutionshypotheques.ca\/"},{"@type":"ListItem","position":2,"name":"Exit a private mortgage"}]},{"@type":"WebSite","@id":"https:\/\/solutionshypotheques.ca\/#website","url":"https:\/\/solutionshypotheques.ca\/","name":"Solutions Hypotheques","description":"","publisher":{"@id":"https:\/\/solutionshypotheques.ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/solutionshypotheques.ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-ca"},{"@type":"Organization","@id":"https:\/\/solutionshypotheques.ca\/#organization","name":"North East","url":"https:\/\/solutionshypotheques.ca\/","logo":{"@type":"ImageObject","inLanguage":"en-ca","@id":"https:\/\/solutionshypotheques.ca\/#\/schema\/logo\/image\/","url":"https:\/\/solutionshypotheques.ca\/wp-content\/uploads\/2021\/01\/Nord_est_logo_fr_01.png","contentUrl":"https:\/\/solutionshypotheques.ca\/wp-content\/uploads\/2021\/01\/Nord_est_logo_fr_01.png","width":420,"height":137,"caption":"North East"},"image":{"@id":"https:\/\/solutionshypotheques.ca\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/solutionshypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/7480","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/solutionshypotheques.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/solutionshypotheques.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/solutionshypotheques.ca\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/solutionshypotheques.ca\/en\/wp-json\/wp\/v2\/comments?post=7480"}],"version-history":[{"count":10,"href":"https:\/\/solutionshypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/7480\/revisions"}],"predecessor-version":[{"id":7722,"href":"https:\/\/solutionshypotheques.ca\/en\/wp-json\/wp\/v2\/pages\/7480\/revisions\/7722"}],"wp:attachment":[{"href":"https:\/\/solutionshypotheques.ca\/en\/wp-json\/wp\/v2\/media?parent=7480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}