{"id":3863,"date":"2019-01-10T17:37:40","date_gmt":"2019-01-10T22:37:40","guid":{"rendered":"http:\/\/xperto-hypotheque-victor-hugo.ca\/mortgage-renewal\/"},"modified":"2023-12-29T00:42:52","modified_gmt":"2023-12-29T05:42:52","slug":"mortgage-renewal","status":"publish","type":"page","link":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/mortgages\/mortgage-renewal\/","title":{"rendered":"Renouvellement d&#8217;hypoth\u00e8que : \u00e9conomisez gros!"},"content":{"rendered":"<p><\/p>\n\n\n\n<p><\/p>\n\n\n<p><\/p>\n<!--themify_builder_content-->\n<div id=\"themify_builder_content-3863\" data-postid=\"3863\" class=\"themify_builder_content themify_builder_content-3863 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_nxmx689 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_8aht689 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_b43g974  repeat  tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1><span class=\"blue-bg\">Mortgage Renewal:<br>Save Big!<\/span><\/h1>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_ssas961 buttons-horizontal solid  tb_gs708263a\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/interactive-form\/renewal\/\" class=\"ui builder_button tf_in_flx green\" >\n                                                SEE MY RENEWAL OPTIONS                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_2urh954 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_czij954 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_6bw6954 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>Get the <span class=\"greenunderline\">lowest mortgage rate <\/span>with Xperto.<\/h2>\n<p>Will your mortgage soon come to a close? If so, you are no longer required to do business with your bank to renew your mortgage. You are now free to shop around and negotiate your rate, your term and monthly payments, and more.<\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_vdjg84 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_415084 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_dnr1640 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2><span class=\"greenunderline\">Why<\/span> call a broker for your <span class=\"greenunderline\">mortgage renewal<\/span>?<\/h2>\n<p>Your needs may have changed since the day you took out your mortgage. With offices on the North Shore and in Laval, Xperto will find you a mortgage solution that best reflects your current reality. Our goal is to save you money and reduce your debt. We simultaneously do business with several banks and financial institutions to expand our financing options. In turn, this enables us to offer a wider range of solutions than banks who can only offer their own products. Our team guarantees the <a href=\"\/en\/interest-rate\/\">best market rates and offers<\/a>. Our services are free <a href=\"\/en\/contact-us\/\">Contact us now.<\/a><\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_40sv593 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_dviv593 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_5y5v593 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>How does <span class=\"greenunderline\">mortgage renewal<\/span> work?<\/h2>\n<p>As early as 5 months before your mortgage\u2019s end, you can contact us to prepare your renewal. During this conversation, we will ask you for several documents that will help us with the renewal process. For a first loan application, you can \u201cfreeze\u201d a rate that is advantageous to you 120 days before the end date of your mortgage. If rates drop during this window period, you will still be able to get the lowest rate.<\/p>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_1318446 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6usx446 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_svfj447 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>What can <span class=\"greenunderline\">change<\/span> during the <span class=\"greenunderline\">mortgage renewal<\/span>?<\/h2>\n<div class=\"elementor-element elementor-element-b2b6910 elementor-widget elementor-widget-text-editor\" data-id=\"b2b6910\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<div class=\"elementor-text-editor elementor-clearfix\">\n<ul>\n<li>Renewal is the perfect opportunity to re-examine your mortgage in light of your present situation.<\/li>\n<li>Has your mortgage significantly decreased?<\/li>\n<li>Do you now have a better salary or a lower income than you had<\/li>\n<li>before?<\/li>\n<li>Are you currently unemployed?<\/li>\n<li>Did you have a child?<\/li>\n<li>Do you have more debt or less debt?<\/li>\n<li>The reality is that your needs and goals have probably changed since you first took out your mortgage.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_vioe842 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_ks7g842 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_1wf6842 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>Want to pay <span class=\"greenunderline\">less interest and penalties<\/span>?<\/h2>\n<ul>\n<li>Reduce depreciation (and increase monthly payments).<\/li>\n<li>Increase the possibility of early repayments.<\/li>\n<li>Opt for a fixed or variable rate (depending on your situation).<\/li>\n<\/ul>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_hsv0444 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_0rgv444 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_dk0u445 custom-check   tb_gs707463a\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2>Do you need <span class=\"greenunderline\">more liquidity<\/span>?<\/h2>\n<ul>\n<li>Reduce monthly payments (and increase depreciation).<\/li>\n<li>Add a home equity line of credit to finance a new business, renovations, a vehicle purchase, etc.<\/li>\n<li>Consolidate your debts.<\/li>\n<li>Put your money in your savings and investments (an advantageous option when they have a higher return than your mortgage rate).<\/li>\n<\/ul>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_vsk8652 buttons-horizontal solid  tb_gs708263a\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"\/en\/interactive-form\/renewal\/\" class=\"ui builder_button tf_in_flx green\" >\n                                                SEE MY RENEWAL OPTIONS                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Mortgage Renewal: Save Big! SEE MY RENEWAL OPTIONS Get the lowest mortgage rate with Xperto. Will your mortgage soon come to a close? If so, you are no longer required to do business with your bank to renew your mortgage. You are now free to shop around and negotiate your rate, your term and monthly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":4085,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3863","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"aioseo_notices":[],"builder_content":"<h1>Mortgage Renewal:<br>Save Big!<\/h1>\n<a href=\"\/en\/interactive-form\/renewal\/\" > SEE MY RENEWAL OPTIONS <\/a>\n<h2>Get the lowest mortgage rate with Xperto.<\/h2> <p>Will your mortgage soon come to a close? If so, you are no longer required to do business with your bank to renew your mortgage. You are now free to shop around and negotiate your rate, your term and monthly payments, and more.<\/p>\n<h2>Why call a broker for your mortgage renewal?<\/h2> <p>Your needs may have changed since the day you took out your mortgage. With offices on the North Shore and in Laval, Xperto will find you a mortgage solution that best reflects your current reality. Our goal is to save you money and reduce your debt. We simultaneously do business with several banks and financial institutions to expand our financing options. In turn, this enables us to offer a wider range of solutions than banks who can only offer their own products. Our team guarantees the <a href=\"\/en\/interest-rate\/\">best market rates and offers<\/a>. Our services are free <a href=\"\/en\/contact-us\/\">Contact us now.<\/a><\/p>\n<h2>How does mortgage renewal work?<\/h2> <p>As early as 5 months before your mortgage\u2019s end, you can contact us to prepare your renewal. During this conversation, we will ask you for several documents that will help us with the renewal process. For a first loan application, you can \u201cfreeze\u201d a rate that is advantageous to you 120 days before the end date of your mortgage. If rates drop during this window period, you will still be able to get the lowest rate.<\/p>\n<h2>What can change during the mortgage renewal?<\/h2>\n<ul> <li>Renewal is the perfect opportunity to re-examine your mortgage in light of your present situation.<\/li> <li>Has your mortgage significantly decreased?<\/li> <li>Do you now have a better salary or a lower income than you had<\/li> <li>before?<\/li> <li>Are you currently unemployed?<\/li> <li>Did you have a child?<\/li> <li>Do you have more debt or less debt?<\/li> <li>The reality is that your needs and goals have probably changed since you first took out your mortgage.<\/li> <\/ul>\n<h2>Want to pay less interest and penalties?<\/h2> <ul> <li>Reduce depreciation (and increase monthly payments).<\/li> <li>Increase the possibility of early repayments.<\/li> <li>Opt for a fixed or variable rate (depending on your situation).<\/li> <\/ul>\n<h2>Do you need more liquidity?<\/h2> <ul> <li>Reduce monthly payments (and increase depreciation).<\/li> <li>Add a home equity line of credit to finance a new business, renovations, a vehicle purchase, etc.<\/li> <li>Consolidate your debts.<\/li> <li>Put your money in your savings and investments (an advantageous option when they have a higher return than your mortgage rate).<\/li> <\/ul>\n<a href=\"\/en\/interactive-form\/renewal\/\" > SEE MY RENEWAL OPTIONS <\/a>","_links":{"self":[{"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages\/3863","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/comments?post=3863"}],"version-history":[{"count":13,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages\/3863\/revisions"}],"predecessor-version":[{"id":8193,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages\/3863\/revisions\/8193"}],"up":[{"embeddable":true,"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/pages\/4085"}],"wp:attachment":[{"href":"https:\/\/xperto-hypotheque-victor-hugo.ca\/en\/wp-json\/wp\/v2\/media?parent=3863"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}