By Charlotte GAUCHON
25 June 2025
Managing a mortgage, a major financial commitment for most households and businesses, can change. Whether to take advantage of a fall in interest rates or to overcome financial difficulties, borrowers have two main options: renegotiation and debt consolidation. Although these mechanisms have a similar objective of optimising debt, they follow very different legal and practical approaches. Understanding their respective frameworks is essential for assessing the opportunities and risks. Dealing with repayment difficulties on home loans often involves exploring these amicable solutions before considering more restrictive measures. This article complements our analysis of the renegotiation and early repayment of home loans, focusing on the legal aspects and potential pitfalls of these operations. The assistance of a lawyer who is an expert in mortgage law is often decisive...
EN 
FR