{"id":975,"date":"2026-08-25T13:23:58","date_gmt":"2026-08-25T13:23:58","guid":{"rendered":"https:\/\/monapprobation.sltm.ca\/renouvellement-en-tmp\/"},"modified":"2026-09-10T17:34:31","modified_gmt":"2026-09-10T17:34:31","slug":"renouvellement","status":"publish","type":"page","link":"https:\/\/www.monapprobation.com\/en\/renouvellement\/","title":{"rendered":"Renewal"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"975\" class=\"elementor elementor-975 elementor-379\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-254c21f e-flex e-con-boxed e-con e-parent\" data-id=\"254c21f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54edb8e elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"54edb8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"456\" height=\"630\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Logo-18.png\" class=\"attachment-full size-full wp-image-1436\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Logo-18.png 456w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Logo-18-217x300.png 217w\" sizes=\"(max-width: 456px) 100vw, 456px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-334285a e-con-full e-flex e-con e-child\" data-id=\"334285a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b55a105 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b55a105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your renewal<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-666e5cd elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"666e5cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">the best chance to pay less.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186eec5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"186eec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your mortgage renewal is a negotiation.\u2028We take care of leading it for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-996a371 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"996a371\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#formulaire-contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 8 13\" fill=\"none\"><path d=\"M0.530548 12.269L6.3999 6.39966L0.530548 0.530304\" stroke=\"#213457\" stroke-width=\"1.5\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Compare offers for free<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d0c8bb2 e-flex e-con-boxed e-con e-parent\" data-id=\"d0c8bb2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62f7f48 elementor-widget elementor-widget-text-editor\" data-id=\"62f7f48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>What you stand to gain from your renewal<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01e0841 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"01e0841\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We make the lenders compete. All you have to do is choose.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5abd665 elementor-absolute animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"5abd665\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"243\" height=\"243\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-49-3.png\" class=\"attachment-full size-full wp-image-1456\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-49-3.png 243w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-49-3-150x150.png 150w\" sizes=\"(max-width: 243px) 100vw, 243px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67e067f elementor-absolute animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"67e067f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"243\" height=\"243\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-47.png\" class=\"attachment-full size-full wp-image-1440\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-47.png 243w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-47-150x150.png 150w\" sizes=\"(max-width: 243px) 100vw, 243px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fedc2f elementor-absolute animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"1fedc2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"243\" height=\"243\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-50-7.png\" class=\"attachment-full size-full wp-image-1503\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-50-7.png 243w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-50-7-150x150.png 150w\" sizes=\"(max-width: 243px) 100vw, 243px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcb6200 elementor-absolute animated-slow elementor-invisible elementor-widget elementor-widget-image\" data-id=\"bcb6200\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"243\" height=\"243\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-48-3.png\" class=\"attachment-full size-full wp-image-1455\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-48-3.png 243w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/08\/Rectangle-48-3-150x150.png 150w\" sizes=\"(max-width: 243px) 100vw, 243px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15602e2 elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"15602e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>NEW<br \/>PROJECTS<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47a9c3c elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"47a9c3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>YOUR SITUATION<br \/>HAS CHANGED<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca31860 elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"ca31860\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>RATES HAVE<br \/>CHANGED<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b37676 elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"5b37676\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>SWITCH<br \/>LENDERS<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eba2219 e-flex e-con-boxed e-con e-parent\" data-id=\"eba2219\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7cbce18 e-con-full e-flex e-con e-child\" data-id=\"7cbce18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc9b751 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dc9b751\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Good reasons\u2028not to sign right\u2028away.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d7ebd4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1d7ebd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A single application is enough to compare several lenders. We build your file once, submit it to the lenders that fit you, and you receive real offers.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b210f19 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"b210f19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#formulaire-contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 8 13\" fill=\"none\"><path d=\"M0.530548 12.269L6.3999 6.39966L0.530548 0.530304\" stroke=\"#213457\" stroke-width=\"1.5\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Compare your renewal<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cde9d7 e-con-full e-flex e-con e-child\" data-id=\"7cde9d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01558fc elementor-absolute elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"01558fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"716\" height=\"800\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-45-5.png\" class=\"attachment-full size-full wp-image-900\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-45-5.png 716w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-45-5-269x300.png 269w\" sizes=\"(max-width: 716px) 100vw, 716px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44d1955 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"44d1955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"716\" height=\"800\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-45-5.png\" class=\"attachment-full size-full wp-image-900\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-45-5.png 716w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-45-5-269x300.png 269w\" sizes=\"(max-width: 716px) 100vw, 716px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8a4902 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"c8a4902\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39f52aa elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"39f52aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Free. Now\u2028and always.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4971ce0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4971ce0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our services are paid by the\u2028lender who gets your file.\u2028You pay nothing, whether you stay with your current lender or\u2028you switch.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e039dc2 e-con-full elementor-hidden-desktop elementor-hidden-tablet e-flex e-con e-child\" data-id=\"e039dc2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2729754 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2729754\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Free. Now\u2028and always.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c89ba07 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c89ba07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our services are paid by the\u2028lender who gets your file.\u2028You pay nothing, whether you stay with your current lender or\u2028you switch.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e95790c e-flex e-con-boxed e-con e-parent\" data-id=\"e95790c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-77a6959 e-con-full e-flex e-con e-child\" data-id=\"77a6959\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-18781a7 e-con-full e-flex e-con e-child\" data-id=\"18781a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d27afea elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d27afea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s more than just a rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbba903 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fbba903\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At your renewal, everything is on the table.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf2b389 e-con-full e-flex e-con e-child\" data-id=\"bf2b389\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2983bbe e-con-full e-flex e-con e-child\" data-id=\"2983bbe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3237f19 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3237f19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"22\" viewBox=\"0 0 23 22\" fill=\"none\"><circle cx=\"11\" cy=\"11\" r=\"11\" fill=\"#E5E3DF\"><\/circle><path d=\"M20.1157 4L10.944 12.8494L7.06564 8.54376L4.5 11.0448L10.7657 18L22.5 6.68854L20.1157 4Z\" fill=\"#213457\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>The rate<\/b><br>Fixed or variable, short or long term. We compare real offers from several lenders, not just the posted rates.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"22\" viewBox=\"0 0 23 22\" fill=\"none\"><circle cx=\"11\" cy=\"11\" r=\"11\" fill=\"#E5E3DF\"><\/circle><path d=\"M20.1157 4L10.944 12.8494L7.06564 8.54376L4.5 11.0448L10.7657 18L22.5 6.68854L20.1157 4Z\" fill=\"#213457\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>The term<\/b><br>A 5-year term doesn\u2019t always suit you. We analyze your situation and your plans to choose the length that truly benefits you.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"22\" viewBox=\"0 0 23 22\" fill=\"none\"><circle cx=\"11\" cy=\"11\" r=\"11\" fill=\"#E5E3DF\"><\/circle><path d=\"M20.1157 4L10.944 12.8494L7.06564 8.54376L4.5 11.0448L10.7657 18L22.5 6.68854L20.1157 4Z\" fill=\"#213457\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>The conditions<\/b><br>Portability, prepayment privileges, penalties for early repayment. The fine print makes a big difference.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"23\" height=\"22\" viewBox=\"0 0 23 22\" fill=\"none\"><circle cx=\"11\" cy=\"11\" r=\"11\" fill=\"#E5E3DF\"><\/circle><path d=\"M20.1157 4L10.944 12.8494L7.06564 8.54376L4.5 11.0448L10.7657 18L22.5 6.68854L20.1157 4Z\" fill=\"#213457\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>The payment frequency<\/b><br>Accelerated, bi-weekly, monthly payments. One adjustment can save you thousands of dollars in interest over the life of the loan.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34063b7 e-flex e-con-boxed e-con e-parent\" data-id=\"34063b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec71c85 elementor-widget elementor-widget-text-editor\" data-id=\"ec71c85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Simple. Fast. Stress-free.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1792b8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f1792b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>How it works with us<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae59c6f e-con-full e-flex e-con e-child\" data-id=\"ae59c6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-76aad37 e-con-full e-flex e-con e-child\" data-id=\"76aad37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4591bbd e-con-full e-flex e-con e-child\" data-id=\"4591bbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-882d8a7 elementor-widget elementor-widget-image\" data-id=\"882d8a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"367\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-50-2.png\" class=\"attachment-full size-full wp-image-907\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-50-2.png 815w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-50-2-300x135.png 300w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-50-2-768x346.png 768w\" sizes=\"(max-width: 815px) 100vw, 815px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a5ccc4 e-con-full e-flex e-con e-child\" data-id=\"6a5ccc4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19e0b38 elementor-widget elementor-widget-text-editor\" data-id=\"19e0b38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Step 1<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-775ffd4 e-con-full e-flex e-con e-child\" data-id=\"775ffd4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89817f7 elementor-widget elementor-widget-text-editor\" data-id=\"89817f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We assess your situation<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36abe15 elementor-widget elementor-widget-text-editor\" data-id=\"36abe15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We look at your current mortgage, your term\u2019s maturity date and what you want to achieve. We assess the current rate environment and determine whether staying with your lender or switching benefits you most.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c06b68 e-con-full e-flex e-con e-child\" data-id=\"6c06b68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8ae95ab e-con-full e-flex e-con e-child\" data-id=\"8ae95ab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d09b635 elementor-widget elementor-widget-text-editor\" data-id=\"d09b635\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Step 2<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f363ab e-con-full e-flex e-con e-child\" data-id=\"7f363ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffe3443 elementor-widget elementor-widget-text-editor\" data-id=\"ffe3443\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We structure your solution<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-243bd02 elementor-widget elementor-widget-text-editor\" data-id=\"243bd02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We compare offers from several lenders to find favourable terms for your new financing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6a432c e-con-full e-flex e-con e-child\" data-id=\"c6a432c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f64d49a elementor-widget elementor-widget-image\" data-id=\"f64d49a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"367\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-52.png\" class=\"attachment-full size-full wp-image-912\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-52.png 815w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-52-300x135.png 300w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-52-768x346.png 768w\" sizes=\"(max-width: 815px) 100vw, 815px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6876bd e-con-full e-flex e-con e-child\" data-id=\"b6876bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-56a6913 e-con-full e-flex e-con e-child\" data-id=\"56a6913\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eafa6c3 elementor-widget elementor-widget-image\" data-id=\"eafa6c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"367\" src=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-51-2.png\" class=\"attachment-full size-full wp-image-910\" alt=\"\" srcset=\"https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-51-2.png 815w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-51-2-300x135.png 300w, https:\/\/www.monapprobation.com\/wp-content\/uploads\/2026\/09\/maq-rectangle-51-2-768x346.png 768w\" sizes=\"(max-width: 815px) 100vw, 815px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e95b22c e-con-full e-flex e-con e-child\" data-id=\"e95b22c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e07b891 elementor-widget elementor-widget-text-editor\" data-id=\"e07b891\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Step 3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d6eeb47 e-con-full e-flex e-con e-child\" data-id=\"d6eeb47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39ade67 elementor-widget elementor-widget-text-editor\" data-id=\"39ade67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You sign.<br \/>We handle the rest.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adbaad9 elementor-widget elementor-widget-text-editor\" data-id=\"adbaad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Once your choice is made, we coordinate with the new lender so the transition is as smooth as possible, whether you stay with your current lender or switch. Your new term is in place, without interruption or hassle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7580cbe e-flex e-con-boxed e-con e-parent\" data-id=\"7580cbe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-506655a e-con-full e-flex e-con e-child\" data-id=\"506655a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-81a8efc e-con-full e-flex e-con e-child\" data-id=\"81a8efc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a1b128 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4a1b128\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No matter where you stand<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-689be1d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"689be1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We adapt to\u2028your renewal.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6f80c2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d6f80c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A mortgage renewal is rarely the right time to do the same as last time. Rates change, plans evolve, and so does life.\u2028<\/p><p>What made sense five years ago isn\u2019t necessarily what benefits you today. Before signing anything, we take the time to understand where you really stand. Whatever your situation, we have an approach to get the most out of it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e8ddae e-con-full e-flex e-con e-child\" data-id=\"7e8ddae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-92bcc9a e-con-full e-flex e-con e-child\" data-id=\"92bcc9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-80c8017 e-con-full e-flex e-con e-child\" data-id=\"80c8017\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-21ed5e8 e-con-full e-flex e-con e-child\" data-id=\"21ed5e8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de55853 elementor-widget elementor-widget-heading\" data-id=\"de55853\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Rates have changed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1a3c60 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"f1a3c60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#formulaire-contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 8 13\" fill=\"none\"><path d=\"M0.530548 12.269L6.3999 6.39966L0.530548 0.530304\" stroke=\"#213457\" stroke-width=\"1.5\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See your options<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71e2f19 e-con-full e-flex e-con e-child\" data-id=\"71e2f19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8282734 elementor-widget elementor-widget-text-editor\" data-id=\"8282734\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Whether rates have gone up or down since your last mortgage,\u2028we have strategies to limit the impact on your payments and take advantage\u2028of the current context.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b5f504 e-con-full e-flex e-con e-child\" data-id=\"3b5f504\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-90b5b60 e-con-full e-flex e-con e-child\" data-id=\"90b5b60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0d36a67 elementor-widget elementor-widget-heading\" data-id=\"0d36a67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">You have new projects<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-605245f elementor-align-left elementor-widget elementor-widget-button\" data-id=\"605245f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#formulaire-contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 8 13\" fill=\"none\"><path d=\"M0.530548 12.269L6.3999 6.39966L0.530548 0.530304\" stroke=\"#213457\" stroke-width=\"1.5\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Plan your projects<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14e277c e-con-full e-flex e-con e-child\" data-id=\"14e277c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf6c08e elementor-widget elementor-widget-text-editor\" data-id=\"cf6c08e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Renovations, buying a cottage, debt consolidation. The renewal\u2028is the right time to review your entire financing and adjust based on\u2028what\u2019s coming.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52ac1fd e-con-full e-flex e-con e-child\" data-id=\"52ac1fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ae37a18 e-con-full e-flex e-con e-child\" data-id=\"ae37a18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-462fda3 elementor-widget elementor-widget-heading\" data-id=\"462fda3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your situation has changed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56be771 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"56be771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#formulaire-contact\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"8\" height=\"13\" viewBox=\"0 0 8 13\" fill=\"none\"><path d=\"M0.530548 12.269L6.3999 6.39966L0.530548 0.530304\" stroke=\"#213457\" stroke-width=\"1.5\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Reassess your situation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3805e80 e-con-full e-flex e-con e-child\" data-id=\"3805e80\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-680358b elementor-widget elementor-widget-text-editor\" data-id=\"680358b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Different income, family situation, new employment status.\u2028We reassess your file with today\u2019s eyes, not those of the\u2028last signing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4afc7c5 e-con-full e-flex e-con e-child\" data-id=\"4afc7c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb05178 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fb05178\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>our answers<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94deda2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"94deda2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>to the real questions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c413a5a elementor-widget elementor-widget-n-accordion\" data-id=\"c413a5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2050\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-2050\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> When should I start looking at my renewal options? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2050\" class=\"elementor-element elementor-element-bd357c9 e-con-full e-flex e-con e-child\" data-id=\"bd357c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95e9c72 elementor-widget elementor-widget-text-editor\" data-id=\"95e9c72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ideally, 4 to 6 months before your term\u2019s maturity date. That gives you time to compare offers, negotiate and switch lenders if it\u2019s in your interest, without being cornered by deadlines. Waiting for your bank\u2019s renewal notice often means waiting too long.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2051\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2051\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I have to pay penalties to switch lenders? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2051\" class=\"elementor-element elementor-element-9aca485 e-con-full e-flex e-con e-child\" data-id=\"9aca485\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15f087f elementor-widget elementor-widget-text-editor\" data-id=\"15f087f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. At renewal, your term is over, which means there is no penalty for switching lenders. It\u2019s the best time to shop around with no fees and no constraints.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2052\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2052\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Will my current lender give me a better offer if I negotiate myself? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2052\" class=\"elementor-element elementor-element-08e185a e-con-full e-flex e-con e-child\" data-id=\"08e185a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-139ce2d elementor-widget elementor-widget-text-editor\" data-id=\"139ce2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Maybe, but rarely their best rate. Lenders count on loyalty and inertia. Many clients accept the renewal offer by default, which suits the banks just fine. By going through us, we negotiate with your current lender and several others at the same time, which gives you far more effective leverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2053\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2053\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> I\u2019m happy with my current lender. Is it still worth comparing? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2053\" class=\"elementor-element elementor-element-056448a e-con-full e-flex e-con e-child\" data-id=\"056448a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dee92bd elementor-widget elementor-widget-text-editor\" data-id=\"dee92bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Absolutely. Even if you end up staying with the same lender, knowing what\u2019s available elsewhere gives you a concrete negotiating argument. And in many cases, another lender will offer better terms, whether that\u2019s the rate, payment flexibility or prepayment privileges. We handle the comparison, with no commitment on your part.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2054\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2054\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do I have to pass the stress test when I renew? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2054\" class=\"elementor-element elementor-element-5fbc9e0 e-con-full e-flex e-con e-child\" data-id=\"5fbc9e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7426220 elementor-widget elementor-widget-text-editor\" data-id=\"7426220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you stay with your current lender, usually not. But if you switch lenders, you\u2019ll have to meet current requirements, including the stress test. That\u2019s something we assess with you upfront to avoid complications.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2055\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2055\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What does it cost to use a broker for my renewal? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2055\" class=\"elementor-element elementor-element-8c3a5ae e-con-full e-flex e-con e-child\" data-id=\"8c3a5ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff27283 elementor-widget elementor-widget-text-editor\" data-id=\"ff27283\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Nothing. Just like for a first purchase, our services are free for you. We\u2019re paid by the lender when the file closes. So you have no reason not to compare.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Your renewal the best chance to pay less. Your mortgage renewal is a negotiation.\u2028We take care of leading it for you. Compare offers for free What you stand to gain from your renewal We make the lenders compete. All you have to do is choose. NEWPROJECTS YOUR SITUATIONHAS CHANGED RATES HAVECHANGED SWITCHLENDERS Good reasons\u2028not to [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-975","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/pages\/975","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/types\/page"}],"replies":[{"embeddable":true,"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/comments?post=975"}],"version-history":[{"count":4,"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/pages\/975\/revisions"}],"predecessor-version":[{"id":1540,"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/pages\/975\/revisions\/1540"}],"wp:attachment":[{"href":"https:\/\/www.monapprobation.com\/en\/wp-json\/wp\/v2\/media?parent=975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}