{"id":2374,"date":"2022-08-23T20:03:10","date_gmt":"2022-08-24T00:03:10","guid":{"rendered":"https:\/\/lescourtiershypothecaires.ca\/services-refinancement\/"},"modified":"2024-07-12T14:28:28","modified_gmt":"2024-07-12T18:28:28","slug":"refinancing-services","status":"publish","type":"page","link":"https:\/\/lescourtiershypothecaires.ca\/en\/refinancing-services\/","title":{"rendered":"Refinancing Services"},"content":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; parallax=&#8221;enable_parallax&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;custom&#8221; enable_overlay=&#8221;yes&#8221; css=&#8221;.vc_custom_1663620135408{padding-bottom: 100px !important;background: #111214 url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/bailey-anselme-Bkp3gLygyeA-unsplash.jpg?id=1021);background-position:center;background-repeat:-repeat;background-size:cover;}&#8221; responsive_css=&#8221;padding_top_large:200px|padding_bottom_large:200px|padding_right_medium:7%25|padding_bottom_medium:15vw|padding_left_medium:7%25&#8243; ca_duration=&#8221;1600&#8243; ca_start_delay=&#8221;850&#8243; ca_delay=&#8221;160&#8243; ca_init_translate_y=&#8221;25&#8243; bg_pos_h=&#8221;80%&#8221; bg_pos_v=&#8221;50%&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.59)&#8221;][vc_column]<style>.ld_fancy_heading_69ea08ebec3bf h1{color:rgb(255, 255, 255);}.ld_fancy_heading_69ea08ebec3bf h1 {padding-top:100px !important;  } .ld_fancy_heading_69ea08ebec3bf .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebec3bf h1 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69ea08ebec3bf\">\n\t<h1 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h1\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  Mortgage refinancing<\/h1><\/div><style>.ld_fancy_heading_69ea08ebecf2a p{color:rgb(255, 255, 255);}.ld_fancy_heading_69ea08ebecf2a p {font-size:17px; } .ld_fancy_heading_69ea08ebecf2a p {line-height:28px; } .ld_fancy_heading_69ea08ebecf2a p {--element-line-height:28px; } .ld_fancy_heading_69ea08ebecf2a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69ea08ebecf2a p {font-size:17px; } .ld_fancy_heading_69ea08ebecf2a p {line-height:28px; } .ld_fancy_heading_69ea08ebecf2a p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69ea08ebecf2a\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"   data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  If you&#8217;re already a homeowner, mortgage refinancing is an attractive solution that allows you to take out a new mortgage on your property and obtain a loan of up to 80% of its market value. <\/p><\/div><style>.ld_fancy_heading_69ea08ebed3fc p{color:rgb(255, 255, 255);}.ld_fancy_heading_69ea08ebed3fc p {font-size:17px; } .ld_fancy_heading_69ea08ebed3fc p {line-height:28px; } .ld_fancy_heading_69ea08ebed3fc p {--element-line-height:28px; } .ld_fancy_heading_69ea08ebed3fc .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69ea08ebed3fc p {font-size:17px; } .ld_fancy_heading_69ea08ebed3fc p {line-height:28px; } .ld_fancy_heading_69ea08ebed3fc p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69ea08ebed3fc\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"   data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  If you already own a home, refinancing is an interesting option that allows you to source new mortgage on your property up to a maximum of 80% of its market value.<\/p><\/div><style>.ld_fancy_heading_69ea08ebed61f p{color:rgb(255, 255, 255);}.ld_fancy_heading_69ea08ebed61f p {font-size:17px; } .ld_fancy_heading_69ea08ebed61f p {line-height:28px; } .ld_fancy_heading_69ea08ebed61f p {--element-line-height:28px; } .ld_fancy_heading_69ea08ebed61f .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69ea08ebed61f p {font-size:17px; } .ld_fancy_heading_69ea08ebed61f p {line-height:28px; } .ld_fancy_heading_69ea08ebed61f p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69ea08ebed61f\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"   data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  The mortgage refinancing experts at \u00c9quipe Distinction are here to help you in your search.<br \/>\n<\/p><\/div><style>.ld_spacer_69ea08ebed7ec{height:32px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_69ea08ebed7ec\"><\/div>[vc_row_inner css=&#8221;.vc_custom_1662633593929{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221;][vc_column_inner responsive_align=&#8221;text-center&#8221;]<style>.ld_button_69ea08ebed94e.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69ea08ebed94e.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69ea08ebed94e.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69ea08ebed94e{background-color:#b8952c;border-color:#b8952c;}.ld_button_69ea08ebed94e:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69ea08ebed94e .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69ea08ebed94e .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69ea08ebed94e .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69ea08ebed94e:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69ea08ebed94e:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69ea08ebed94e vc_custom_1671064415665\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET my refinancing\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET my refinancing<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[vc_raw_html el_class=&#8221;btn-calendly&#8221;]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[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column css=&#8221;.vc_custom_1608189980216{padding-top: 17px !important;}&#8221;][vc_separator color=&#8221;custom&#8221; 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} .ld_fancy_heading_69ea08ebee96f div {margin-bottom:0.6em !important;  } .ld_fancy_heading_69ea08ebee96f .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebee96f div {font-size:60px; } .ld_fancy_heading_69ea08ebee96f div {line-height:60px; } .ld_fancy_heading_69ea08ebee96f div {--element-line-height:60px; } .ld_fancy_heading_69ea08ebee96f div {font-weight:500; } .ld_fancy_heading_69ea08ebee96f div {margin-bottom:0.6em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebee96f\">\n\t<div class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Multi-Pr\u00eats<\/div><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;rgb(143, 143, 143)&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;margin_right_large:-50px&#8221; ca_duration=&#8221;1000&#8243; ca_delay=&#8221;120&#8243; ca_init_translate_y=&#8221;70&#8243;]<style>.ld_fancy_heading_69ea08ebef1d3 h2{color:rgb(0, 0, 0);}.ld_fancy_heading_69ea08ebef1d3 h2 {padding-top:100px !important;  } .ld_fancy_heading_69ea08ebef1d3 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebef1d3 h2 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebef1d3\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h2\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  What is a mortgage refinance?<\/h2><\/div><style>.ld_fancy_heading_69ea08ebef6b5 p{color:rgb(0, 0, 0);}.ld_fancy_heading_69ea08ebef6b5 p {font-size:17px; } .ld_fancy_heading_69ea08ebef6b5 p {line-height:28px; } .ld_fancy_heading_69ea08ebef6b5 p {--element-line-height:28px; } .ld_fancy_heading_69ea08ebef6b5 p {margin-bottom:2em !important;  } .ld_fancy_heading_69ea08ebef6b5 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebef6b5 p {font-size:17px; } .ld_fancy_heading_69ea08ebef6b5 p {line-height:28px; } .ld_fancy_heading_69ea08ebef6b5 p {--element-line-height:28px; } .ld_fancy_heading_69ea08ebef6b5 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebef6b5\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>   <\/p>\n<p>\n        Refinancing your mortgage means renegotiating your current mortgage. It&#8217;s a transaction between you, the borrower, and a financial institution capable of taking out a new mortgage contract on your property. With this option, you can leverage the equity in your home to increase the mortgage amount or consolidate your debts, among other things.\n    <\/p>\n<p>\n        Mortgage refinancing follows the same conditions as conventional mortgage financing. After analyzing your borrowing capacity and checking your credit rating, your financial institution offers you financing at an interest rate that may vary according to market conditions.\n    <\/p>\n<h3>Talk to mortgage experts<\/h3>\n<p>\n        We offer a variety of mortgage refinancing products, including fixed-rate loans, variable-rate loans and home equity lines of credit. We work with several banks and financial institutions to offer you the best options in terms of costs, payments and repayment terms. Whether you&#8217;re looking to reduce your monthly payments, finance renovations, or consolidate debt, we have the resources and tools to help you achieve your financial goals.\n    <\/p>\n<p><\/p><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;60&#8243; accent_color=&#8221;rgb(130, 130, 130)&#8221; css=&#8221;.vc_custom_1657548548337{padding-top: 5% !important;padding-bottom: 5% !important;}&#8221;]<style>.ld_button_69ea08ebef960.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69ea08ebef960.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69ea08ebef960.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69ea08ebef960{background-color:#b8952c;border-color:#b8952c;}.ld_button_69ea08ebef960:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69ea08ebef960 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69ea08ebef960 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69ea08ebef960 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69ea08ebef960:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69ea08ebef960:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69ea08ebef960 vc_custom_1671064431026\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET my refinancing\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET my refinancing<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[vc_raw_html el_class=&#8221;btn-calendly&#8221;]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; 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ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69ea08ebf0082 h2 {margin-bottom:0.35em !important;  } .ld_fancy_heading_69ea08ebf0082 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf0082 h2 {margin-bottom:0.35em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf0082\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h2><span style=\"font-weight: 400\">Why and when should you refinance?<\/span><\/h2>\n<p><\/h2><\/div><style>.ld_fancy_heading_69ea08ebf0955 p {font-size:17px; } .ld_fancy_heading_69ea08ebf0955 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69ea08ebf0955 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf0955 p {font-size:17px; } .ld_fancy_heading_69ea08ebf0955 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf0955\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Given the significant amounts of money involved, you&#8217;ll understand that mortgage refinancing isn&#8217;t an option you can take lightly. In other words, it makes sense if, and only if, you need to free up considerable funds.<\/p>\n<p>Customers who call on our services generally request refinancing in one of the following situations:<\/p><\/div><style>.vc_accordion_69ea08ebf25cd .accordion-title{font-size:19px;font-weight:400;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69ea08ebf25cd\" id=\"vc_accordion_69ea08ebf25cd\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621849870257-a6c90671-f7f1d511-b798\" data-id=\"lqd-1621849870257-a6c90671-f7f1d511-b798\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621849870257-a6c90671-f7f1d511-b798\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ebf25cd\" data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" href=\"#lqd-1621849870257-a6c90671-f7f1d511-b798\" data-bs-target=\"#lqd-1621849870257-a6c90671-f7f1d511-b798\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1621849870257-a6c90671-f7f1d511-b798\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tFor a personal project\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621849870257-a6c90671-f7f1d511-b798\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621849870257-a6c90671-f7f1d511-b798\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ebf1488 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ebf1488 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf1488 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf1488\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3>For a personal project<\/h3>\n<p><span style=\"font-weight: 400\">The list of projects requiring large sums of money is almost limitless. Starting a business, taking a long trip, taking early retirement, changing careers or putting a child through college, for example, are just some of the situations that may require mortgage refinancing.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621850133313-fcc50966-e093d511-b798\" data-id=\"lqd-1621850133313-fcc50966-e093d511-b798\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621850133313-fcc50966-e093d511-b798\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ebf25cd\" data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" href=\"#lqd-1621850133313-fcc50966-e093d511-b798\" data-bs-target=\"#lqd-1621850133313-fcc50966-e093d511-b798\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1621850133313-fcc50966-e093d511-b798\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tFor home renovations\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621850133313-fcc50966-e093d511-b798\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621850133313-fcc50966-e093d511-b798\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ebf1a8e p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ebf1a8e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf1a8e p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf1a8e\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3>For renovations<\/h3>\n<p><span style=\"font-weight: 400\">As you know, major repairs (e.g., replacing the roof) and large-scale renovations (e.g., adding a floor) to a home are expensive! Even if you save for several months, the money you accumulate won&#8217;t be enough to pay for labor and materials. Mortgage refinancing is a practical and justified solution to these major expenses.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1720807931846-6e471d6a-d8a1\" data-id=\"lqd-1720807931846-6e471d6a-d8a1\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1720807931846-6e471d6a-d8a1\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ebf25cd\" data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" href=\"#lqd-1720807931846-6e471d6a-d8a1\" data-bs-target=\"#lqd-1720807931846-6e471d6a-d8a1\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1720807931846-6e471d6a-d8a1\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tFor a down payment\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1720807931846-6e471d6a-d8a1\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1720807931846-6e471d6a-d8a1\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ebf1d9d p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ebf1d9d .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf1d9d p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf1d9d\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3>For a down payment<\/h3>\n<p><span style=\"font-weight: 400\">When you&#8217;re considering buying a new property, whether it&#8217;s a second home, an income property or a vacation property, the major challenge is often raising the necessary down payment. Mortgage refinancing can be a sensible way of freeing up substantial funds for this purpose: it is necessary, however, for the equity in your property to be at least 20%.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621850376284-61924f49-73ecd511-b798\" data-id=\"lqd-1621850376284-61924f49-73ecd511-b798\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621850376284-61924f49-73ecd511-b798\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ebf25cd\" data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" href=\"#lqd-1621850376284-61924f49-73ecd511-b798\" data-bs-target=\"#lqd-1621850376284-61924f49-73ecd511-b798\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1621850376284-61924f49-73ecd511-b798\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tTo make an investment\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621850376284-61924f49-73ecd511-b798\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621850376284-61924f49-73ecd511-b798\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ebf20cd p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ebf20cd .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf20cd p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf20cd\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3>To make an investment<\/h3>\n<p><span style=\"font-weight: 400\">Do you have a business project in mind, or would you like to take advantage of an attractive investment opportunity? Mortgage refinancing gives you access to liquidity that you can use quickly. But be careful not to act on impulse. Borrowing to finance an investment is not without risk, so seek professional advice to avoid regretting your over-enthusiasm!<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661340643793-c0ed9831-cde2\" data-id=\"lqd-1661340643793-c0ed9831-cde2\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661340643793-c0ed9831-cde2\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ebf25cd\" data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" href=\"#lqd-1661340643793-c0ed9831-cde2\" data-bs-target=\"#lqd-1661340643793-c0ed9831-cde2\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661340643793-c0ed9831-cde2\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tTo consolidate your debts\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661340643793-c0ed9831-cde2\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ebf25cd\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661340643793-c0ed9831-cde2\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ebf23c1 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ebf23c1 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf23c1 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf23c1\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3>To consolidate your debts<\/h3>\n<p><span style=\"font-weight: 400\">Have you accumulated a number of debts (e.g. car, credit cards) that are preventing you from getting a good night&#8217;s sleep? Refinancing lets you merge them into a single contract, with a single monthly payment, and very often at a lower interest rate: the mortgage rate is often lower than that of credit cards and personal loans.<\/span><\/p>\n<p><span style=\"font-weight: 400\">There are two main advantages to this approach:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">By consolidating all your debts into a single contract, you simplify your financial management (and your nights magically become more restful!);<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">A better credit rating makes it easier for you to negotiate other personal loans.<\/span><\/li>\n<\/ol>\n<p><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_button_69ea08ebf27c0.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69ea08ebf27c0.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69ea08ebf27c0.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69ea08ebf27c0{background-color:#b8952c;border-color:#b8952c;}.ld_button_69ea08ebf27c0:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69ea08ebf27c0 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69ea08ebf27c0 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69ea08ebf27c0 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69ea08ebf27c0:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69ea08ebf27c0:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69ea08ebf27c0 vc_custom_1671064445699\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET my refinancing\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET my refinancing<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[vc_raw_html el_class=&#8221;btn-calendly&#8221;]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1661245189865{background-color: #fafafa !important;}&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69ea08ebf2f83 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf2f83\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  What is the refinancing process?<\/h2><\/div><style>.ld_fancy_heading_69ea08ebf387f p {font-size:17px; } .ld_fancy_heading_69ea08ebf387f p {line-height:28px; } .ld_fancy_heading_69ea08ebf387f p {--element-line-height:28px; } .ld_fancy_heading_69ea08ebf387f p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69ea08ebf387f .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf387f p {font-size:17px; } .ld_fancy_heading_69ea08ebf387f p {line-height:28px; } .ld_fancy_heading_69ea08ebf387f p {--element-line-height:28px; } .ld_fancy_heading_69ea08ebf387f p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf387f\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Mortgage refinancing follows the same rules as a traditional mortgage, with a few exceptions. Here are the steps :<\/span><\/p><\/div><style>.vc_accordion_69ea08ec00ab1 .accordion-title{font-size:19px;font-weight:400;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69ea08ec00ab1\" id=\"vc_accordion_69ea08ec00ab1\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661377656947-aef519eb-12f6\" data-id=\"lqd-1661377656947-aef519eb-12f6\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661377656947-aef519eb-12f6\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec00ab1\" data-bs-parent=\"#vc_accordion_69ea08ec00ab1\" href=\"#lqd-1661377656947-aef519eb-12f6\" data-bs-target=\"#lqd-1661377656947-aef519eb-12f6\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1661377656947-aef519eb-12f6\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tCalculate home equity\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661377656947-aef519eb-12f6\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec00ab1\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661377656947-aef519eb-12f6\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ebf41ec p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ebf41ec .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ebf41ec p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ebf41ec\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3>Calculate home equity<\/h3>\n<p><span style=\"font-weight: 400\">If all conditions are met, refinancing entitles you to a loan of up to 80% of the property&#8217;s market value. The financial institution granting the loan also deducts the balance of the first mortgage. For example, if you own a home valued at $400,000 and your current mortgage balance is $150,000, the maximum amount of the new loan is $170,000: ($400,000 x 80%) &#8211; $150,000.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661377657032-913fca13-ce89\" data-id=\"lqd-1661377657032-913fca13-ce89\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661377657032-913fca13-ce89\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec00ab1\" data-bs-parent=\"#vc_accordion_69ea08ec00ab1\" href=\"#lqd-1661377657032-913fca13-ce89\" data-bs-target=\"#lqd-1661377657032-913fca13-ce89\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661377657032-913fca13-ce89\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tSubmit a refinancing request\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661377657032-913fca13-ce89\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec00ab1\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661377657032-913fca13-ce89\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec00535 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec00535 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec00535 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec00535\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3>Submit a refinancing request<\/h3>\n<p><span style=\"font-weight: 400\">To submit your refinancing request, make an appointment with one of our brokers. He or she will explain your options (usually two or three scenarios), then take care of presenting your file to the lenders you&#8217;ve chosen together.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661377657117-60cf9f4f-1f1a\" data-id=\"lqd-1661377657117-60cf9f4f-1f1a\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661377657117-60cf9f4f-1f1a\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec00ab1\" data-bs-parent=\"#vc_accordion_69ea08ec00ab1\" href=\"#lqd-1661377657117-60cf9f4f-1f1a\" data-bs-target=\"#lqd-1661377657117-60cf9f4f-1f1a\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661377657117-60cf9f4f-1f1a\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tExamine the offers and make your choice\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661377657117-60cf9f4f-1f1a\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec00ab1\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661377657117-60cf9f4f-1f1a\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec008f6 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec008f6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec008f6 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec008f6\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Compare refinancing proposals obtained from lenders (banks and other financial institutions). The best contract is obviously the one that guarantees an advantageous rate and favorable credit terms.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_button_69ea08ec00d6b.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69ea08ec00d6b.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69ea08ec00d6b.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69ea08ec00d6b{background-color:#b8952c;border-color:#b8952c;}.ld_button_69ea08ec00d6b:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69ea08ec00d6b .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69ea08ec00d6b .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69ea08ec00d6b .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69ea08ec00d6b:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69ea08ec00d6b:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69ea08ec00d6b vc_custom_1671064458020\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET my refinancing\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET my refinancing<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[vc_raw_html el_class=&#8221;btn-calendly&#8221;]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[\/vc_raw_html][\/vc_column][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; column_top_onmobile=&#8221;yes&#8221; bg_position=&#8221;center center&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1662460136866{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/headway-5QgIuuBxKwM-unsplash.jpg?id=1036) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.46)&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1661245189865{background-color: #fafafa !important;}&#8221;][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; bg_position=&#8221;center center&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1661379192913{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/aaron-huber-s95oB2n9jng-unsplash.jpg?id=1037) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.46)&#8221;][\/vc_column][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69ea08ec01500 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec01500\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">What factors are taken into account when refinancing?<\/span><\/h2><\/div><style>.ld_fancy_heading_69ea08ec01fb6 p {font-size:17px; } .ld_fancy_heading_69ea08ec01fb6 p {line-height:28px; } .ld_fancy_heading_69ea08ec01fb6 p {--element-line-height:28px; } .ld_fancy_heading_69ea08ec01fb6 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69ea08ec01fb6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec01fb6 p {font-size:17px; } .ld_fancy_heading_69ea08ec01fb6 p {line-height:28px; } .ld_fancy_heading_69ea08ec01fb6 p {--element-line-height:28px; } .ld_fancy_heading_69ea08ec01fb6 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec01fb6\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  As with a conventional mortgage, mortgage refinancing depends on your borrowing profile and creditworthiness. For this reason, a mortgage lender will analyze a number of data concerning you, including the following:<br \/>\n<\/p><\/div><style>.vc_accordion_69ea08ec04144 .accordion-title{font-size:19px;font-weight:400;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69ea08ec04144\" id=\"vc_accordion_69ea08ec04144\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661378481289-c657afa7-7997\" data-id=\"lqd-1661378481289-c657afa7-7997\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661378481289-c657afa7-7997\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec04144\" data-bs-parent=\"#vc_accordion_69ea08ec04144\" href=\"#lqd-1661378481289-c657afa7-7997\" data-bs-target=\"#lqd-1661378481289-c657afa7-7997\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1661378481289-c657afa7-7997\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tYour gross household income\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661378481289-c657afa7-7997\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec04144\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661378481289-c657afa7-7997\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec02bbe p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec02bbe .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec02bbe p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec02bbe\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Are you employed or self-employed? How much money do you earn per week, month, or year? This information reflects your ability to generate income and is crucial for determining your borrowing capacity and mortgage payments.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661378481387-696e5e94-f283\" data-id=\"lqd-1661378481387-696e5e94-f283\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661378481387-696e5e94-f283\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec04144\" data-bs-parent=\"#vc_accordion_69ea08ec04144\" href=\"#lqd-1661378481387-696e5e94-f283\" data-bs-target=\"#lqd-1661378481387-696e5e94-f283\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661378481387-696e5e94-f283\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tYour household debts\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661378481387-696e5e94-f283\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec04144\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661378481387-696e5e94-f283\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec03382 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec03382 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec03382 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec03382\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">How much do you owe? Do you pay your monthly installments on time? The amount and nature of your mortgage debts and other obligations indicate whether you&#8217;re a good or bad manager of household debt.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661378481480-e3224251-d872\" data-id=\"lqd-1661378481480-e3224251-d872\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661378481480-e3224251-d872\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec04144\" data-bs-parent=\"#vc_accordion_69ea08ec04144\" href=\"#lqd-1661378481480-e3224251-d872\" data-bs-target=\"#lqd-1661378481480-e3224251-d872\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661378481480-e3224251-d872\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tHow much do you want to borrow?\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661378481480-e3224251-d872\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec04144\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661378481480-e3224251-d872\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec037f0 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec037f0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec037f0 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec037f0\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Have you drawn up a detailed budget to finance your project? Lenders have a marked preference for realistic customers, i.e., those who know how to qualify and quantify their needs. A good faith estimate helps in presenting your requirements clearly and mght help your obtain better mortgage terms.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661378481603-ffbe5966-f177\" data-id=\"lqd-1661378481603-ffbe5966-f177\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661378481603-ffbe5966-f177\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec04144\" data-bs-parent=\"#vc_accordion_69ea08ec04144\" href=\"#lqd-1661378481603-ffbe5966-f177\" data-bs-target=\"#lqd-1661378481603-ffbe5966-f177\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661378481603-ffbe5966-f177\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tYour credit history and rating\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661378481603-ffbe5966-f177\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec04144\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661378481603-ffbe5966-f177\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec03c50 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec03c50 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec03c50 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec03c50\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Is your credit history good or bad? Your credit report and credit score tell lenders what kind of borrower you are, so pay attention to your credit rating and ensure your credit reports are accurate and up-to-date.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661378481804-a146b4b3-666c\" data-id=\"lqd-1661378481804-a146b4b3-666c\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661378481804-a146b4b3-666c\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec04144\" data-bs-parent=\"#vc_accordion_69ea08ec04144\" href=\"#lqd-1661378481804-a146b4b3-666c\" data-bs-target=\"#lqd-1661378481804-a146b4b3-666c\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661378481804-a146b4b3-666c\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tThe market value and condition of your property\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661378481804-a146b4b3-666c\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec04144\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661378481804-a146b4b3-666c\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec03f54 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec03f54 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec03f54 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec03f54\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">A well-located, well-maintained property offers more collateral, increasing the loan-to-value ratio and therefore offering more security for the financial institution when it comes to mortgage lending.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_button_69ea08ec0441a.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69ea08ec0441a.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69ea08ec0441a.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69ea08ec0441a{background-color:#b8952c;border-color:#b8952c;}.ld_button_69ea08ec0441a:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69ea08ec0441a .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69ea08ec0441a .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69ea08ec0441a .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69ea08ec0441a:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69ea08ec0441a:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69ea08ec0441a vc_custom_1671064468369\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET my refinancing\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET my refinancing<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[vc_raw_html el_class=&#8221;btn-calendly&#8221;]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[\/vc_raw_html][\/vc_column][\/vc_row][vc_row gap=&#8221;30&#8243; enable_content_animation=&#8221;yes&#8221; animation_preset=&#8221;Fade In Up&#8221; responsive_css=&#8221;padding_top_medium:130px|padding_bottom_medium:130px&#8221; css=&#8221;.vc_custom_1661423030366{padding-top: 70px !important;padding-bottom: 70px !important;}&#8221;][vc_column offset=&#8221;vc_col-md-6&#8243; responsive_css=&#8221;margin_bottom_medium:0px|margin_bottom_small:160px&#8221; css=&#8221;.vc_custom_1621864061246{margin-bottom: 70px !important;}&#8221;]<div id=\"ld_images_group_container_69ea08ec04d48\" class=\"lqd-imggrp-container ld_images_group_container_69ea08ec04d48\"   >\n\t<div class=\"lqd-imggrp-inner\">\n\t\t<div id=\"ld_images_group_element_69ea08ec05100\" class=\"lqd-imggrp-single ld_images_group_element_69ea08ec05100\" data-shadow-style=\"4\" data-roundness=\"8\" data-inview=\"true\" data-animate-shadow=\"true\" data-hover3d=\"true\"  >\n\t\n\t<div class=\"lqd-imggrp-img-container\" data-stacking-factor=\"1\"   >\n\t\t\n\t\t\t\t\n\t\t\t\t<figure ><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"1452\" src=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/warren-wong-tHiGKAJxaA8-unsplash.jpg\" srcset=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/warren-wong-tHiGKAJxaA8-unsplash-198x300.jpg 198w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/warren-wong-tHiGKAJxaA8-unsplash-677x1024.jpg 677w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/warren-wong-tHiGKAJxaA8-unsplash.jpg 1920w\" class=\"\" alt=\"\" \/><\/figure>\t\t\t\t\t\t\t\t\n\t<\/div><!-- \/.lqd-imggrp-content -->\n<\/div><!-- \/.lqd-imggrp-single -->\n\t\n\t<\/div><!-- \/.lqd-imggrp-inner -->\n<\/div><!-- \/.lqd-imggrp-container -->[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style>.ld_fancy_heading_69ea08ec06025 h6{background:rgb(237, 243, 247);}.ld_fancy_heading_69ea08ec06025 h6 {font-size:13px; } .ld_fancy_heading_69ea08ec06025 h6 {letter-spacing:0.05em; } .ld_fancy_heading_69ea08ec06025 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_69ea08ec06025 h6 {margin-bottom:1.75em !important;  } .ld_fancy_heading_69ea08ec06025 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec06025 h6 {font-size:13px; } .ld_fancy_heading_69ea08ec06025 h6 {letter-spacing:0.05em; } .ld_fancy_heading_69ea08ec06025 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_69ea08ec06025 h6 {margin-bottom:1.75em !important;  } <\/style><div class=\"ld-fancy-heading ld-fh-has-fill text-uppercase ld_fancy_heading_69ea08ec06025\">\n\t<h6 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  The mortgage line of credit<\/h6><\/div><style>.ld_fancy_heading_69ea08ec069b8 h2 {margin-bottom:0.35em !important;  } .ld_fancy_heading_69ea08ec069b8 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec069b8 h2 {margin-bottom:0.35em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec069b8\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">An alternative: the home equity line of credit<\/span><\/h2><\/div><style>.ld_fancy_heading_69ea08ec073a2 p {font-size:18px; } .ld_fancy_heading_69ea08ec073a2 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69ea08ec073a2 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec073a2 p {font-size:18px; } .ld_fancy_heading_69ea08ec073a2 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec073a2\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Not happy with refinancing requirements? No problem! There&#8217;s a more flexible borrowing solution that might interest you: the home equity line of credit.<br \/>\n<\/p><\/div><style>.vc_accordion_69ea08ec08115 .accordion-title{font-size:19px;font-weight:500;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69ea08ec08115\" id=\"vc_accordion_69ea08ec08115\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1720808491340-333f3ca1-fea5\" data-id=\"lqd-1720808491340-333f3ca1-fea5\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1720808491340-333f3ca1-fea5\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec08115\" data-bs-parent=\"#vc_accordion_69ea08ec08115\" href=\"#lqd-1720808491340-333f3ca1-fea5\" data-bs-target=\"#lqd-1720808491340-333f3ca1-fea5\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1720808491340-333f3ca1-fea5\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tMarket value\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1720808491340-333f3ca1-fea5\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec08115\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1720808491340-333f3ca1-fea5\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec079bd p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec079bd .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec079bd p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec079bd\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">This formula gives you access to an amount equivalent to 65% of the market value of your property. And unlike an ordinary mortgage, a home equity line of credit gives you great freedom in allocating funds and repaying principal and interest.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621850133313-fcc50966-e093b480-32bf\" data-id=\"lqd-1621850133313-fcc50966-e093b480-32bf\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621850133313-fcc50966-e093b480-32bf\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec08115\" data-bs-parent=\"#vc_accordion_69ea08ec08115\" href=\"#lqd-1621850133313-fcc50966-e093b480-32bf\" data-bs-target=\"#lqd-1621850133313-fcc50966-e093b480-32bf\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1621850133313-fcc50966-e093b480-32bf\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tDeadlines\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621850133313-fcc50966-e093b480-32bf\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec08115\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621850133313-fcc50966-e093b480-32bf\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec07cdd p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec07cdd .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec07cdd p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec07cdd\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">In this case, the lender sets no deadline or amortization schedule. There are no mortgage penalties for full repayment. What&#8217;s more, it remains available and usable at any time, provided you retain ownership of the mortgaged property. It has to be said, however, that a home equity line of credit requires a little more discipline. If you abuse it, you could easily end up over-indebted. It&#8217;s best to use it sparingly, or as recommended by an expert!<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621850376284-61924f49-73ecb480-32bf\" data-id=\"lqd-1621850376284-61924f49-73ecb480-32bf\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621850376284-61924f49-73ecb480-32bf\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec08115\" data-bs-parent=\"#vc_accordion_69ea08ec08115\" href=\"#lqd-1621850376284-61924f49-73ecb480-32bf\" data-bs-target=\"#lqd-1621850376284-61924f49-73ecb480-32bf\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1621850376284-61924f49-73ecb480-32bf\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tKnow-how\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621850376284-61924f49-73ecb480-32bf\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec08115\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621850376284-61924f49-73ecb480-32bf\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec07fc1 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec07fc1 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec07fc1 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec07fc1\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">When all is said and done, whether you choose a home equity line of credit or a standard mortgage, you stand to benefit from the expertise of a mortgage advisor or broker (like the members of the Distinction team) who will advise and support you every step of the way in financing your project.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_spacer_69ea08ec0828a{height:32px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_69ea08ec0828a\"><\/div><style>.ld_button_69ea08ec0845b.btn-icon-solid 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href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69ea08ec0845b vc_custom_1671064480081\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET my refinancing\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET my refinancing<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[vc_raw_html 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.accordion-title{font-size:19px;font-weight:500;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69ea08ec09596\" id=\"vc_accordion_69ea08ec09596\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1720808528364-eb142dd4-700e\" data-id=\"lqd-1720808528364-eb142dd4-700e\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1720808528364-eb142dd4-700e\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69ea08ec09596\" data-bs-parent=\"#vc_accordion_69ea08ec09596\" href=\"#lqd-1720808528364-eb142dd4-700e\" data-bs-target=\"#lqd-1720808528364-eb142dd4-700e\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1720808528364-eb142dd4-700e\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tFind out more\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1720808528364-eb142dd4-700e\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69ea08ec09596\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1720808528364-eb142dd4-700e\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69ea08ec08d15 p {margin-bottom:0px !important;  } .ld_fancy_heading_69ea08ec08d15 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69ea08ec08d15 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69ea08ec08d15\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3>Do you offer mortgage refinancing for bad credit?<\/h3>\n<p><span style=\"font-weight: 400\">Yes, at \u00c9quipe Distinction, we offer mortgage refinancing solutions even for those with bad credit. Many factors can affect your credit rating, such as inconsistent income, high debts, or late payments. However, these challenges don&#8217;t prevent you from refinancing.<\/span><\/p>\n<p><span style=\"font-weight: 400\">We work with a variety of lenders, including private lenders, to find options tailored to your situation, which will help you consolidate your debts and improve your credit rating.<\/span><\/p>\n<h3>What refinancing options are available?<\/h3>\n<p><span style=\"font-weight: 400\">In Canada, you can choose from several mortgage refinancing options, including fixed-rate mortgages, variable-rate mortgages and home equity lines of credit. Each of these options offers different advantages in terms of interest rate, repayment term and flexibility. Talk to a mortgage broker to determine the best option for your financial situation and plans.<\/span><\/p>\n<p><span style=\"font-weight: 400\">In Canada, you can choose from several mortgage refinancing options, including fixed-rate mortgages, variable-rate mortgages, and home equity lines of credit. Each of these options offers different advantages in terms of interest rate, repayment term, and flexibility. Talk to a mortgage broker to determine the best option for your financial situation and plans.<\/span><\/p>\n<h3>What are the costs associated with mortgage refinancing?<\/h3>\n<p><span style=\"font-weight: 400\">Mortgage refinancing involves various costs, such as property appraisal fees, legal fees, and any prepayment penalties on your current mortgage. It&#8217;s important to take these costs into account when assessing whether refinancing is a good option for you. Use a mortgage calculator to estimate these costs and effectively plan your refinancing.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Mortgage refinancing involves various costs, such as property appraisal fees, legal fees, and any prepayment penalties on your current mortgage. It&#8217;s important to take these borrowing costs into account when assessing whether refinancing is a good option for you. Use a mortgage refinance calculator to estimate these costs and effectively plan your refinancing.<\/span><\/p>\n<h3>What impact does the interest rate have when you refinance your mortgage?<\/h3>\n<p><span style=\"font-weight: 400\">The interest rate is a key factor in the total cost of your mortgage refinancing. Rates can be fixed or variable, and influence the amount of your monthly payments. Comparing rates offered by different financial institutions can help you find the best rate for your refinancing, reducing your interest costs over the life of your loan.<\/span><\/p>\n<p><span style=\"font-weight: 400\">The mortgage interest rate is a key factor in the total cost of your mortgage refinancing. Rates can be fixed or variable, and influence the amount of your monthly mortgage payments. Comparing current mortgage rates offered by different financial institutions can help you find the best rate for your refinancing, reducing your interest costs over the life of your loan.<\/span><\/p>\n<h3>What are the benefits of refinancing for your personal projects?<\/h3>\n<p><span style=\"font-weight: 400\">Mortgage refinancing can give you access to funds for a variety of personal projects, such as home renovations, the purchase of a second home, or debt consolidation. By using the equity in your home, you can obtain a new loan with more favorable terms, making it easier to realize your projects while managing your finances efficiently.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Mortgage refinancing can give you access to funds for a variety of personal projects, such as home renovations, the purchase of a second home, or debt consolidation. By using the equity in your home, you can obtain a new loan with more favorable terms, making it easier to realize your projects while managing your finances efficiently. Consider the potential deductions on mortgage interest to optimize your finances.<\/span><\/p>\n<p>&nbsp;<\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; parallax=&#8221;enable_parallax&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;custom&#8221; enable_overlay=&#8221;yes&#8221; css=&#8221;.vc_custom_1663620135408{padding-bottom: 100px !important;background: #111214 url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/08\/bailey-anselme-Bkp3gLygyeA-unsplash.jpg?id=1021);background-position:center;background-repeat:-repeat;background-size:cover;}&#8221; responsive_css=&#8221;padding_top_large:200px|padding_bottom_large:200px|padding_right_medium:7%25|padding_bottom_medium:15vw|padding_left_medium:7%25&#8243; ca_duration=&#8221;1600&#8243; ca_start_delay=&#8221;850&#8243; ca_delay=&#8221;160&#8243; ca_init_translate_y=&#8221;25&#8243; bg_pos_h=&#8221;80%&#8221; bg_pos_v=&#8221;50%&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.59)&#8221;][vc_column][vc_row_inner css=&#8221;.vc_custom_1662633593929{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221;][vc_column_inner responsive_align=&#8221;text-center&#8221;][vc_raw_html el_class=&#8221;btn-calendly&#8221;]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[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column css=&#8221;.vc_custom_1608189980216{padding-top: 17px !important;}&#8221;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(255,255,255,0.23)&#8221;][\/vc_column][\/vc_row][vc_row parallax=&#8221;enable_parallax&#8221; css=&#8221;.vc_custom_1663618562629{padding-top: 50px !important;padding-bottom: 100px !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/drew-beamer-kUHfMW8awpE-unsplash.jpg?id=821) !important;background-position: center;background-repeat: no-repeat;background-size:cover;}&#8221;][vc_column enable_hover_move=&#8221;lqd-column-move-onhover&#8221; width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2374","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your mortgage refinancing<\/title>\n<meta name=\"description\" content=\"Needing to refinance your mortgage? 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