{"id":7524,"date":"2026-09-19T09:25:19","date_gmt":"2026-09-19T14:25:19","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?page_id=7524"},"modified":"2026-09-30T18:28:20","modified_gmt":"2026-09-30T23:28:20","slug":"mortgage-renewal-missed-payments","status":"publish","type":"page","link":"https:\/\/solutionshypotheques.ca\/en\/mortgage-renewal-missed-payments\/","title":{"rendered":"Mortgage renewal with missed payments"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7524\" class=\"elementor elementor-7524 elementor-7519\" 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 After Missed Payments | Quebec\n  Paste into a \"Custom HTML\" block in WordPress\n  (page : \/mortgage-renewal-missed-payments\/)\n\n  No header, no menu, no footer, no GTM script. 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.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=\"missed_payments_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 after a hard stretch \u2014 Quebec<\/p>\n\n          <h1>Mortgage maturing after a run of missed payments?<\/h1>\n\n          <p class=\"sh-lead\">Missed payments complicate a renewal, but they do not make it impossible. What counts is how many, how recent, how much equity the property holds, and what your situation looks like now.<\/p>\n\n          <ul class=\"sh-checklist\">\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>Late or missed mortgage payments<\/span><\/li>\n            <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Credit damaged by a difficult stretch<\/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_with_arrears\">Renew despite missed payments<\/option>\n                <option value=\"refi_before_maturity\">Refinance before maturity<\/option>\n                <option value=\"lender_refusing\">My lender is refusing or likely to refuse<\/option>\n                <option value=\"notice_received\">I received a notice or a 60-day notice<\/option>\n                <option value=\"clear_arrears\">Clear my arrears<\/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: how many payments behind, notices received, 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>Missed payments say different things depending on when they happened. That is the first thing a lender looks at.<\/p>\n      <\/div>\n\n      <div class=\"sh-grid sh-grid--2\">\n        <div class=\"sh-card\">\n          <h3>A few isolated late payments<\/h3>\n          <p>Two or three payments pushed back during a specific period and since caught up: the easiest case to explain to a lender.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Arrears outstanding<\/h3>\n          <p>Payments have fallen behind on the mortgage and the lender has started following up.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>A notice received<\/h3>\n          <p>A prior notice of exercise, a 60-day notice or a formal demand: the situation now has a legal clock and the deadline becomes the main constraint.<\/p>\n        <\/div>\n        <div class=\"sh-card\">\n          <h3>Situation now stable<\/h3>\n          <p>The hard stretch is behind you and income has recovered, but the credit file still carries the marks.<\/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 missed payments change, and what equity still allows<\/h2>\n        <p>Prime lenders generally exclude files with recent mortgage arrears. Alternative and private lenders lend first on the value of the property: as long as enough equity remains, a solution is often possible, at a higher cost and for a limited time.<\/p>\n      <\/div>\n\n      <p class=\"sh-intro\">The real enemy here is not the missed payment, it is the delay. A file picked up three months before maturity has far more options than one picked up after a notice arrives. 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>An arrangement with your current lender<\/h3>\n        <p>Worth exploring first: spreading the arrears, a temporary change to payments. It avoids the cost of new financing when it works.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Alternative (B) lender<\/h3>\n        <p>More flexible on credit and arrears, provided the equity and income hold up. Often a term or two to get back on solid ground.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Private turnaround financing<\/h3>\n        <p>When time is short or the arrears too recent: pay out the current lender, clear the arrears, and plan the exit to something cheaper.<\/p>\n      <\/div>\n      <div class=\"sh-solution\">\n        <h3>Refinance with consolidation<\/h3>\n        <p>If other debts contributed to the missed payments, folding them in can lighten the monthly load and make the structure sustainable.<\/p>\n      <\/div>\n\n      <p class=\"sh-note\">If the numbers do not hold, the review says so. Selling with your equity intact beats a repossession \u2014 an uncomfortable conclusion, but a far better one to reach early.<\/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, how many missed payments and when, arrears, notices received, equity, current income and debts.<\/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 the file as it stands, at what cost and within what timeframe.<\/p>\n        <\/div>\n        <div class=\"sh-step\">\n          <span class=\"sh-step-num\" aria-hidden=\"true\">3<\/span>\n          <h3>We stabilize it<\/h3>\n          <p>Financing in place, arrears cleared, then a plan to move back to something cheaper.<\/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>Exactly how much time you have before maturity or the next step.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>Which missed payments hurt most, and which can be explained.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>The lenders likely to accept the file despite the arrears.<\/span><\/li>\n        <li><span class=\"sh-check\" aria-hidden=\"true\">&#10003;<\/span><span>An end to the waiting, and a dated plan instead.<\/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 files the banks turn down<\/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 with arrears, prior notices of exercise and declined renewals.<\/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>Missed payments: your questions<\/h2>\n      <\/div>\n\n      <div class=\"sh-faq\">\n        <details>\n          <summary>Do missed payments automatically block a renewal?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Not automatically. The impact depends on how many, how recent, your current situation, the equity available and the lender's criteria. Recent mortgage arrears weigh far more heavily than a late credit card payment.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>I received a prior notice of exercise or a 60-day notice. What now?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Act immediately, because that kind of notice starts a legal clock. The more days left, the more options exist. Get the file reviewed right away, and speak to a lawyer or notary about the notice itself.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>What if my lender refuses to renew?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Move quickly to review the alternatives. Depending on equity and income, an alternative or private lender can sometimes refinance the mortgage and clear the arrears at the same time. No outcome can be guaranteed before a review.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Can the arrears be paid out of the refinance?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>That is common. If the equity supports it, the new financing repays the existing mortgage, the arrears and the accumulated costs at signing with the notary.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>How long before I can return to a bank?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>Generally a minimum of twelve months of clean payments, often more when the arrears are recent. The plan is built at the time the financing is set up.<\/p>\n          <\/div>\n        <\/details>\n\n        <details>\n          <summary>Should I wait for maturity before acting?<\/summary>\n          <div class=\"sh-faq-body\">\n            <p>No. That is the most important line on this page: every week of waiting shortens the list of possible lenders and raises the cost of the solution.<\/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? Let's look at it now<\/h2>\n          <p>Time is the most expensive variable in this kind of file. A few minutes is enough to get clear on it.<\/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 legal advice. If you have received a prior notice of exercise or a formal demand, also speak with a lawyer or notary.<\/p>\n    <\/div>\n  <\/div>\n\n<\/div>\n\n<!-- FAQ structured data. 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Missed payments complicate a renewal, but they do not make it impossible. What counts is how many, how recent, how much equity the property holds, and what your situation looks like now. &#10003;Mortgage renewal approaching &#10003;Late or missed mortgage payments [&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-7524","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 After Missed Payments | Quebec<\/title>\n<meta name=\"description\" content=\"Mortgage maturing after missed payments? See what renewal or refinancing options may exist based on your equity. 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