{"id":7514,"date":"2026-09-19T09:08:29","date_gmt":"2026-09-19T14:08:29","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?page_id=7514"},"modified":"2026-09-30T18:27:01","modified_gmt":"2026-09-30T23:27:01","slug":"mortgage-renewal-consumer-proposal","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/mortgage-renewal-consumer-proposal\/","title":{"rendered":"Mortgage after a consumer proposal"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7514\" class=\"elementor elementor-7514 elementor-7509\" 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 During a Consumer Proposal | Quebec\n  Paste into a \"Custom HTML\" block in WordPress\n  (page : \/mortgage-renewal-consumer-proposal\/)\n\n  No header, no menu, no footer, no GTM script. 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data-sh-form=\"consumer_proposal_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 in a consumer proposal \u2014 Quebec<\/p>\n\n          <h1>Mortgage maturing while you are in a consumer proposal?<\/h1>\n\n          <p class=\"sh-lead\">If your lender was included in the proposal and took a loss, it may decide not to renew. That is not the end of the road: depending on your equity, your income and the state of your file, other lenders can step in.<\/p>\n\n          <ul class=\"sh-checklist\">\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Maturity during or after the proposal<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Current lender possibly affected by the proposal<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Credit being rebuilt<\/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=\"renew_after_proposal\">Renew after a consumer proposal<\/option>\n                <option value=\"refinance\">Refinance my mortgage<\/option>\n                <option value=\"proposal_done\">My proposal is now completed<\/option>\n                <option value=\"lender_refusing\">My bank is refusing or likely to refuse<\/option>\n                <option value=\"pay_off_proposal\">Pay out the balance of my proposal<\/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: status of the proposal, mortgage maturity date, payments in progress.\"><\/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>The proposal dealt with the debts. It also left a mark on your credit file, and renewal is when that mark makes itself felt.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--2\">\n        <div class=\"sh-card\">\n          <h3>The lender took a loss<\/h3>\n          <p>If your bank was among the creditors in the proposal, it can decline to extend your loan at maturity.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Proposal still active<\/h3>\n          <p>Payments are ongoing and you do not know how lenders will read your file before it ends.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Proposal recently completed<\/h3>\n          <p>You have the certificate of full performance, but the entry is still on your credit file.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Silence from your lender<\/h3>\n          <p>Nothing has been confirmed and you would rather not find out three weeks before maturity.<\/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>What lenders actually look at after a proposal<\/h2>\n        <p>Three things matter: the status of the proposal (active or completed), how much time has passed and how the credit has been rebuilt since, and the equity in the property. A completed proposal with two years of clean payments is nothing like an active one with irregular payments.<\/p>\n      <\/div>\n\n      <p class=\"sh-intro\">Several alternative lenders will finance files with a proposal on the credit report, in some cases even while it is ongoing, provided the equity and the income hold up. 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>Renewal with your current lender<\/h3>\n        <p>Worth checking first: some lenders extend the loan without requalifying, even in this context. When it works, it is the cheapest option.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Alternative (B) lender<\/h3>\n        <p>The most common route. Criteria weigh equity and ability to pay rather than the credit score alone. Higher rate and fees, for a term or two.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Refinance to pay out the proposal<\/h3>\n        <p>In some files the equity allows the remaining balance of the proposal to be repaid at once, ending the process sooner and starting the credit rebuild earlier.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Private financing<\/h3>\n        <p>If maturity is close and nothing else is ready, short-term financing can bridge the gap, with an exit plan set from the start.<\/p>\n      <\/div>\n\n      <p class=\"sh-note\">Any decision to pay out a proposal early should be taken with your licensed insolvency trustee. We work on the financing numbers, not in their place.<\/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>Maturity, status of the proposal, current credit, income, remaining debts and available equity.<\/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 accept your profile today and on what terms, and what waiting a few months would change.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">3<\/span>\n          <h3>We set up what comes next<\/h3>\n          <p>The financing goes in place and, where needed, a rebuild plan aims at something cheaper by the next term.<\/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>Early warning if your current lender is likely not to renew, instead of finding out late.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>The lenders most likely to accept your file given the status of the proposal.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A realistic read on how a proposal affects mortgage eligibility.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>A dated rebuild plan instead of a vague sense of uncertainty.<\/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 with homeowners whose files carry a consumer proposal or a period of insolvency.<\/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>Consumer proposals: your questions<\/h2>\n      <\/div>\n\n      <div class=\"sh-faq\">\n        <details>\n          <summary>Can I get a mortgage during a consumer proposal?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>It happens in some files, mainly with alternative or private lenders, where the equity and income support it. Terms are more expensive and the lender generally requires the proposal payments to be current.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Can my lender refuse to renew because it was affected?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Yes. If the lender took a loss through your proposal, that can influence its decision at maturity. Which is exactly why it is better to assess your options ahead of time rather than wait for its answer.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>How long does a proposal stay on my credit file?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p> Generally up to 3 years after the final payment or 6 years from filing, whichever comes first. Equifax and TransUnion apply a similar rule; check both reports.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Does paying out the proposal early help?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>It ends the process sooner and starts the credit-rebuild clock earlier. Whether it pays off depends on the balance, the cost of the financing and your situation. That decision belongs with your licensed insolvency trustee.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>When should I start preparing for renewal?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Three to six months out. That leaves time to review your current credit, compare lender criteria and put the file together without negotiating against the clock.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Will I be stuck with an alternative lender forever?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Usually not. A term or two is often enough, provided payments stay clean and credit is rebuilt. The plan to move back to a bank is set at the start, not at the end.<\/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>Maturity approaching? Do not assume the renewal<\/h2>\n          <p>Let's look now at which lenders can consider your file, and on what terms.<\/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 insolvency advice. Questions about your consumer proposal belong with your licensed insolvency trustee.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<!-- FAQ structured data. 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If your lender was included in the proposal and took a loss, it may decide not to renew. That is not the end of the road: depending on your equity, your income and the state of your file, other [&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-7514","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 During a Consumer Proposal | Quebec<\/title>\n<meta name=\"description\" content=\"Mortgage maturing during or after a consumer proposal? See what options may exist based on your credit and your home equity. Free review in Quebec.\" \/>\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\/renouvellement-proposition-consommateur\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Renewal During a Consumer Proposal | Quebec\" \/>\n<meta property=\"og:description\" content=\"Mortgage maturing during or after a consumer proposal? See what options may exist based on your credit and your home equity. 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