{"id":7242,"date":"2026-07-29T15:37:22","date_gmt":"2026-07-29T20:37:22","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?p=7242"},"modified":"2026-07-29T16:04:17","modified_gmt":"2026-07-29T21:04:17","slug":"how-do-you-remove-a-co-signer-or-co-borrower-from-your-mortgage","status":"publish","type":"post","link":"https:\/\/solutionshypotheques.ca\/en\/latest-news\/how-do-you-remove-a-co-signer-or-co-borrower-from-your-mortgage\/","title":{"rendered":"How Do You Remove a Co-Signer or Co-Borrower From Your Mortgage?"},"content":{"rendered":"\t\t
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To remove a co-signer or co-borrower, the lender must first determine whether you can qualify for the mortgage on your own, based on your income, credit, and overall financial situation.<\/p>

If you are essentially keeping the same mortgage amount and amortization, we can explore a\u00a0mortgage transfer\/subrogation<\/strong>. If you need to increase the mortgage amount\u2014for example, to access equity or consolidate debts\u2014we would instead be looking at a\u00a0refinance<\/strong>.<\/p>

What Happens if the Bank Refuses?<\/h3>

Here\u2019s an example.<\/p>

Your brother-in-law and his wife want to buy their own home. They have the down payment, income, and good credit\u2026 but they don\u2019t qualify because your brother-in-law co-signed your mortgage three years ago.<\/p>

You try to remove him from your mortgage, but your bank refuses because of your credit or current financial situation.<\/p>

Suddenly, the situation becomes stressful for everyone, especially if they need their borrowing capacity back to purchase their new home.<\/p>

A refusal from your bank does not necessarily mean you have to sell your home.<\/strong><\/p>

Through alternative B and private mortgage lenders, it may be possible to restructure the financing and remove the co-signer from the mortgage.<\/p>

The goal: you keep your home, and your co-signer regains their borrowing capacity to purchase theirs.<\/strong><\/p>

If this sounds like your situation, or you know someone who could benefit from our help, take a few minutes to complete our online form.<\/p>

We\u2019ll put our\u00a010+ years of experience in alternative and private mortgage financing<\/strong>\u00a0to work and explore the solutions available to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\tUse the form on this page or call 1-888-708-5576<\/a> to speak to one of our representatives.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t2. Get approved\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tApproved within 24 hours. Your home equity is the key to your approval. Get approved now!\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t3. Get your funding\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\tWe make it easy. Loan funds can be deposited directly into your bank account, once approved.\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\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\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tApply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

To remove a co-signer or co-borrower, the lender must first determine whether you can qualify for the mortgage on your own, based on your income, credit, and overall financial situation. If you are essentially keeping the same mortgage amount and amortization, we can explore a\u00a0mortgage transfer\/subrogation. If you need to increase the mortgage amount\u2014for example, […]<\/p>\n","protected":false},"author":8,"featured_media":7241,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[75],"tags":[],"class_list":["post-7242","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-news"],"blocksy_meta":[],"acf":[],"yoast_head":"\nRemove a Mortgage Co-Signer | Solutions Hypoth\u00e8ques<\/title>\n<meta name=\"description\" content=\"Learn how to remove a co-signer or co-borrower from your mortgage in Quebec, even after a lender declines your request. Refinancing solutions available.\" \/>\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\/en\/latest-news\/how-do-you-remove-a-co-signer-or-co-borrower-from-your-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Remove a Mortgage Co-Signer | Solutions Hypoth\u00e8ques\" \/>\n<meta property=\"og:description\" content=\"Learn how to remove a co-signer or co-borrower from your mortgage in Quebec, even after a lender declines your request. Refinancing solutions available.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/solutionshypotheques.ca\/en\/latest-news\/how-do-you-remove-a-co-signer-or-co-borrower-from-your-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Solutions Hypotheques\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-29T20:37:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-29T21:04:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/solutionshypotheques.ca\/wp-content\/uploads\/2026\/07\/retirer-cosignataire-solution-hypotheque.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1257\" \/>\n\t<meta property=\"og:image:height\" content=\"832\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ren\u00e9 Le Bertre\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ren\u00e9 Le Bertre\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Remove a Mortgage Co-Signer | Solutions Hypoth\u00e8ques","description":"Learn how to remove a co-signer or co-borrower from your mortgage in Quebec, even after a lender declines your request. 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