{"id":7490,"date":"2026-09-19T08:51:12","date_gmt":"2026-09-19T13:51:12","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?page_id=7490"},"modified":"2026-09-30T18:24:13","modified_gmt":"2026-09-30T23:24:13","slug":"mortgage-renewal-tax-debt","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/mortgage-renewal-tax-debt\/","title":{"rendered":"Refinance to pay tax debt"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7490\" class=\"elementor elementor-7490 elementor-7485\" 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  Revenu Qu\u00e9bec or CRA Debt | Mortgage Renewal Options\n  Paste into a \"Custom HTML\" block in WordPress\n  (page : \/mortgage-renewal-tax-debt\/)\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 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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\n\/* ---------- Variante C : h\u00e9ro sable, cartes \u00e0 filet, \u00e9tapes empil\u00e9es ---------- *\/\n.sh-lp--c .sh-hero{background:var(--sh-sand);border-bottom:1px solid var(--sh-line);}\n.sh-lp--c .sh-hero h1{border-left:5px solid var(--sh-gold);padding-left:24px;}\n.sh-lp--c .sh-form-card{border-top:1px solid var(--sh-line);border-left:5px solid var(--sh-gold);}\n.sh-lp--c .sh-section--sand{background:var(--sh-paper);}\n.sh-lp--c .sh-section--sand + .sh-section{background:var(--sh-sand);}\n.sh-lp--c .sh-card{background:transparent;border:0;border-top:3px solid var(--sh-gold);border-radius:0;padding:22px 0 0;}\n.sh-lp--c .sh-grid--2{grid-template-columns:repeat(3,1fr);gap:34px 30px;}\n.sh-lp--c .sh-steps{grid-template-columns:1fr;gap:0;max-width:840px;}\n.sh-lp--c .sh-step{background:transparent;border:0;border-bottom:1px solid var(--sh-line);border-radius:0;padding:24px 0;display:grid;grid-template-columns:70px 1fr;gap:22px;align-items:start;}\n.sh-lp--c .sh-step:first-child{border-top:1px solid var(--sh-line);}\n.sh-lp--c .sh-step-num{font-size:42px;margin:0;}\n.sh-lp--c .sh-solution{grid-template-columns:1fr;border-top:0;border-left:3px solid var(--sh-line);padding:4px 0 4px 26px;margin:0 0 24px;}\n.sh-lp--c .sh-solution:last-child{border-bottom:0;margin-bottom:0;}\n.sh-lp--c .sh-solution h3{margin:0 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\n@media (max-width:1024px){\n  .sh-lp--c .sh-grid--2{grid-template-columns:repeat(2,1fr);}\n}\n@media (max-width:640px){\n  .sh-lp--c .sh-grid--2{grid-template-columns:1fr;gap:26px;}\n  .sh-lp--c .sh-hero h1{padding-left:16px;}\n  .sh-lp--c .sh-step{grid-template-columns:52px 1fr;gap:14px;}\n  .sh-lp--c .sh-step-num{font-size:34px;}\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--c\" id=\"sh-lp-root\" data-sh-lang=\"en\" data-sh-form=\"tax_debt_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 carrying a tax debt \u2014 Quebec<\/p>\n\n          <h1>Renewal coming up with money owing to Revenu Qu\u00e9bec or the CRA?<\/h1>\n\n          <p class=\"sh-lead\">A tax debt complicates a renewal, especially once it has been registered against the property. Depending on the equity you have built and your situation, refinancing can sometimes clear the amounts owing and leave you with a cleaner structure.<\/p>\n\n          <ul class=\"sh-checklist\">\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Debt owing to Revenu Qu\u00e9bec or the CRA<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Mortgage renewal approaching<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Notices, collection action or a charge on the property<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Equity available in your property<\/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=\"rq_debt\">Clear a debt with Revenu Qu\u00e9bec<\/option>\n                <option value=\"cra_debt\">Clear a debt with the CRA<\/option>\n                <option value=\"legal_charge\">A legal hypothec is registered on my property<\/option>\n                <option value=\"refi_before_renewal\">Refinance before my renewal<\/option>\n                <option value=\"use_equity\">Use my equity to settle tax debt<\/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: amount owing, which authority, any registered charge, 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>A tax debt is not like other debts: the creditor has powers no one else has.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--2\">\n        <div class=\"sh-card\">\n          <h3>An income tax balance built up<\/h3>\n          <p>Self-employment, a business, an unusual year or late filings: the balance grew and interest keeps adding to it.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Collection action started<\/h3>\n          <p>Wage garnishment, a frozen account or a formal notice: the situation has become urgent.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>A charge on the property<\/h3>\n          <p>A legal hypothec has been published in the land register, which closes off several financing routes.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Renewal within months<\/h3>\n          <p>Your current lender will see the situation at renewal and may decide not to extend the loan.<\/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 tax debt weighs so heavily on a mortgage file<\/h2>\n        <p>Tax authorities can register a legal hypothec against your property without going through a court. Once published, it takes rank in the land register and most lenders require it to be discharged at the time of financing. That is why the debt usually has to be paid out of the refinance, not afterwards.<\/p>\n      <\/div>\n\n      <p class=\"sh-intro\">The upside: this is exactly the kind of file where accumulated equity earns its keep. 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>Refinance with direct payout<\/h3>\n        <p>The new loan repays the existing mortgage and pays the tax authorities directly, which allows the charge to be discharged.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Alternative (B) lender<\/h3>\n        <p>Many alternative lenders will finance the payout of a tax debt, with more flexible criteria than the banks.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Private turnaround financing<\/h3>\n        <p>When time is short or the file is too damaged, private financing can clear the debt quickly, with a plan to move to a cheaper lender afterwards.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Second mortgage<\/h3>\n        <p>If the first mortgage is worth keeping, the amount needed can sometimes be financed in second position.<\/p>\n      <\/div>\n\n      <p class=\"sh-note\">A payment arrangement with the tax authorities remains possible in some cases and occasionally costs less than refinancing. Both routes are compared with numbers.<\/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>Amount owing, status of the tax file, any registered charge, mortgage maturity, equity, income and credit.<\/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 and at what cost, with the debt payout built in.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">3<\/span>\n          <h3>We clear it up<\/h3>\n          <p>If you move ahead, the financing is structured so the debt is paid and the charge discharged at signing.<\/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 your equity covers both the debt and the refinance, as a number.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>What a land-register charge actually does to your financing options.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>The cost of refinancing compared with a payment arrangement.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A way to avoid reaching renewal with the tax file still open.<\/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 worked since 2016 on files involving tax debt and legal hypothecs registered against the property.<\/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>Tax debt and mortgages: your questions<\/h2>\n      <\/div>\n\n      <div class=\"sh-faq\">\n        <details>\n          <summary>Can I use my mortgage to clear a tax debt?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Possibly. Depending on available equity, your income, your credit, the amount owing and the lender's criteria, a refinance can pay the amounts due to Revenu Qu\u00e9bec or the CRA. Funds are generally paid directly to the authorities by the notary.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What is a tax legal hypothec?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>It is a charge published by the tax authorities against your property to secure a debt. It takes rank in the land register and usually has to be discharged before a new lender will fund. Its presence shortens the list of possible lenders without eliminating it.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Can a tax debt block my renewal?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Yes, it can influence the lender's decision, particularly once it has led to collection action or a registered charge. Many lenders check the land register before extending a loan.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Do I need to settle the debt before applying?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>No, and it is often impossible. The payout is generally made out of the refinance itself, at signing with the notary, which is what allows the charge to be discharged.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What if I have not filed my returns yet?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Most lenders require filings to be up to date along with notices of assessment. Catching up on missing years is often one of the first steps in the plan.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Why act before the renewal?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Because a file prepared months ahead reaches more lenders on better terms. Waiting for your current lender's answer narrows the options exactly when you need them most.<\/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>Renewal approaching with a tax debt?<\/h2>\n          <p>Let's see what your equity allows and which strategy is realistic 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  <!-- ================= 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 tax or legal advice. 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A tax debt complicates a renewal, especially once it has been registered against the property. Depending on the equity you have built and your situation, refinancing can sometimes clear the amounts owing and leave you with [&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-7490","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>Revenu Qu\u00e9bec or CRA Debt | Mortgage Renewal Options<\/title>\n<meta name=\"description\" content=\"Renewal coming up with a tax debt owing? See whether your home equity could let you restructure the financing and clear the amounts due. 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