Spousal Buyout Refinance | Your Mortgage Minute

Your Mortgage Minute | Onlendhub · Sep 10, 2026 · 7m · transcript

The spousal buyout refinance lets one spouse keep the matrimonial home by borrowing up to ninety-five percent of value to pay out the other spouse. This episode breaks down how CMHC, Sagen, and Canada Guaranty back these programs, when the ninety-five percent loan-to-value rule applies, and how to calculate the new mortgage after paying off the existing balance. You will learn the two-part decision test for keeping versus selling, the most common red flag that derails files, and the exact documents and steps to take this week. If you are separating in the GTA, Milton, or Toronto and want to…