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A mortgage transfer is the act of assigning - or transferring - a mortgage to a person or legal entity other than the original lender This is usually done for one of two reasons: another lender is offering a more favourable interest rate than the original, or a different lender has better terms and conditions, such as prepayment privileges.


A mortgage transfer is an especially complex process - especially if there are stipulations in the original mortgage commitment that are designed to deter transfers - but a mortgage broker can help you navigate it with confidence.

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