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Refinancing — after separation

Refinancing after a separation. Without anyone knowing.

When a couple separates, the mortgage gets complicated. A broker can buy out your ex-partner’s share, restructure the loan in your name only, or arrange a transfer if you’re the one leaving. We listen first, then we run the numbers.

The three scenarios we see most often

No two situations are the same, but almost every file fits one of these three.

  1. One partner buys out the home

    The most common case. The loan is refinanced, the balance increases by the amount paid out to your ex-partner, and the title moves to one name only. The broker checks if you qualify alone on the new amount — that’s where most people discover a blocker, and it’s often fixable.

  2. Sale with split of proceeds

    You sell and split what remains after paying off the mortgage. The broker helps you estimate the penalty balance, the real equity, and prepare financing for your next property if you’re buying again.

  3. Temporary joint ownership

    Rarer and more complex. You stay co-owners for a while, often to avoid uprooting the kids or to wait out the market. The broker frames the clauses that must be put in writing — without a clear structure, this ends badly.

What we do for you

No broad promises, no jargon. Concretely, here’s how it goes.

  • The broker takes the full file, tells you honestly whether your current bank will approve the refinance or if it’s better to switch.
  • We look at the numbers before talking about products. If it doesn’t work, we say so — no pressure to sign.
  • No commitment until the mandate is signed. No surprise on fees; everything is laid out in writing first.

What a client wrote to us

“I didn’t want my family to know. The broker handled everything; my mother only found out afterwards.”
A client in Longueuil, after 12 years together, got a refinance in her name only in 9 days.

Confidentiality — by default

Your file stays with ONE broker. No multi-broker exposure. No targeted marketing based on what you search. File notes are encrypted at rest and accessed only by the mandated broker.

Read the privacy policy →

Resources worth knowing

Not affiliated with Courteo. But they exist and they help.

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No commitment. You can stop at any moment; we delete on request.

Questions we hear often

Will the bank know I’m shopping around?
No. The broker doesn’t blast your file to multiple lenders at once. One lender is approached at a time, only when we’re ready, and only with your written consent.
How long does it take?
On average 2 to 4 weeks from first call to funding, depending on complexity and notary availability. Simple files sometimes close in under 10 business days.
How much does it cost?
For a standard residential refinance, the broker’s services are usually paid by the chosen lender — not by you. The fees you pay (appraisal, notary, penalty) are disclosed in writing before signing.
What if my ex blocks or refuses to sign?
The broker can’t force consent, but can help document what’s feasible on your side and prepare you for mediation. If it slides into a legal dispute, we point you to the right resources — never billing for those referrals.
What if I don’t know yet who keeps the home?
That’s the situation most people reach out with. The broker can run the numbers on both scenarios (you keep it / you leave) to help you decide. We’ll take the time it takes.