Received a Notice of Non-Renewal? Don’t Panic—The Bank Isn't Your Only Option

Work Directly With Rick Bettencourt — FSRA Licensed, 25+ Years Experience

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Banks are tightening their criteria, but the B-Market is still open. We specialize in transitioning homeowners from big-bank rejections to stable B-Lender and Private solutions.

📞 Speak With Rick Now

What Happens Next:
• 10-minute call to review your situation
• Options explained clearly
• Action plan if possible

Why your Maturity Date is the most important deadline

A "Notice of Non-Renewal" means your bank is choosing to end the relationship when your current term expires.
It is not an immediate foreclosure, but it is a firm deadline.
‍
‍The Bank’s Move: They’ve decided your file no longer fits their "A-Lender" criteria.
‍Your Move: You have the remaining time in your term to transition to a B-Lender or Private solution.
‍The Risk: If you wait until the maturity date passes without a new lender, you risk falling into the Power of Sale process shown on the right

You Still Have Options Before Your Maturity Date

Depending on your equity and credit profile, we can transition you to a new lender before your current bank term ends

B-Lender Transition

If you were declined due to the "Stress Test" or debt ratios, a B-Lender is often the best fit. These lenders offer 1–2 year terms specifically for homeowners with "common sense" income profiles

When it works

Your credit score is 550 or higher.
You are Self-Employed or have non-traditional income.
You need long-term stability and a predictable payment.

Short-Term Equity Financing

When credit scores or CRA arrears make a B-Lender impossible today, we use a private "bridge" loan. This provides immediate funds to pay off your existing bank and stop any legal action

When it works

You have significant home equity (max 75-80% LTV).
You need extreme speed to beat a deadline.
You have CRA tax debt that needs to be cleared first.

Credit Rehab & Bank Exit

We don't just find you a loan; we build an exit strategy. We use the B-Lender or Private term to "rehab" your credit so you can move back to an A-Lender at prime rates in the future

When it works

You want to fix your credit while protecting your home.
You need a clear roadmap back to the big banks.
You want to avoid selling your home in a panic

See Which B-Lending Options You Qualify For

In under 60 seconds, we can estimate your transition options based on your home’s equity. No credit check. No impact on your bank relationship

Every Non-Renewal rescue starts with one thing: How much equity is in your home

We look at

🏠 Your home’s current market value
📉 Your current mortgage balance
💰 How much usable equity remains

Then

We calculate which B-Lender or Private "Bridge" solutions are possible for your specific situation—before you ever have to speak to a new lender.

This takes about 60 seconds and does not affect your credit

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Independent Advice for Ontario Homeowners Facing Non-Renewal Notice

We don’t work for your bank. We don’t push one lender. We help you understand the B-Lending and Private options that actually exist for your situation

Here’s what happens when you reach out

🛡️ We review your situation privately: We look at your non-renewal notice and your equity together.
📋 We explain the B-Lender "fit": We show you which lenders accept your specific income or credit profile.
⚖️ We tell you honestly if a "Bridge" is needed: If a B-Lender isn't ready yet, we explain how a short-term private loan cleans up your file.
🗺️ If a solution exists, we show you the roadmap: You get a clear path back to prime rates, not just a one-time loan.

Received a Notice of Non-Renewal? Don’t Panic—The Bank Isn't Your Only Option

Why your Maturity Date is the most important deadline

You Still Have Options Before Your Maturity Date

B-Lender Transition

When it works

Short-Term Equity Financing

When it works

Credit Rehab & Bank Exit

When it works

See Which B-Lending Options You Qualify For

We look at

Then

Independent Advice for Ontario Homeowners Facing Non-Renewal Notice

Here’s what happens when you reach out

What Happens After you Check Your Options

Step 1

📥 You submit your info

Step 2

🔍 We review your equity

Step3

💡 You get a clear answer

Step 4

🏁 You decide

Trusted by Homeowners Across Ontario