Compare options · Provider terms apply
Behind on Your Mortgage, or Facing a Renewal You Can't Afford?
If you have equity in your home, a refinance, HELOC, or second mortgage may be one option to compare. Organize your arrears, renewal offer, income, debt, and deadlines, then confirm the actual lender terms for your file.
See My Mortgage Options →Check inquiry type, fees, total cost, and timing before applying
Which Situation Is Yours?
Pick the one that fits — each path has a direct next step.
Renewal Coming Up
My renewal payment will be unaffordable
Run the numbers first, then see your refinance options before your bank sets the terms.
Run the Mortgage Shock Calculator → See My Options →Already Behind
I've missed one or more payments
Speed matters. See whether refinancing can fund the cure before formal enforcement starts.
Read the First-7-Days Guide → See My Options →Notice Received
I got a Notice of Sale or foreclosure notice
Your cure window is fixed by law (35 days in Ontario). See if a refinance can fund the cure in time.
See Your Province's Timeline → See My Options →Why Homeowners Use Casavo's Lender Network
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file to organize before applying
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cost and risk checks to compare
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approval promises
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provider disclosure to verify
Bruised credit, a recent consumer proposal, or a bankruptcy does not answer the approval question by itself. The lender must review the complete file.
Common Questions
The Cure Window Is Shorter Than You Think
If a deadline is approaching, review the actual notice and lender terms promptly. Compare available options, fees, inquiry type, and total cost before committing.
See My Mortgage Options →This page contains a link to an offer from our partner Casavo. We may earn a commission if you apply or sign up through this link, at no extra cost to you. This does not affect our editorial coverage. See our editorial policy for more.