For Mortgage Brokers
If you are an Ontario mortgage broker, you have run into NOSIs that block refinance closings — frequently from door-to-door HVAC contracts the homeowner had forgotten about. Oakwell Partners works with brokers and homeowners to clear these encumbrances quickly.
What we see most often
Refinances cannot fund while a NOSI sits on title. Most lenders require discharge before advance.
First buyout quotes from finance companies are routinely inflated. Where the underlying agreement is challengeable, a negotiated discharge or full cancellation is the better outcome for the homeowner.
Greener Homes Grant-branded recent contracts are increasingly visible at refinance, often with rebate promises that did not materialise — a recognised CPA ground.
What we offer
- Same-day response on refinance-deadline cases.
- Clear assessment of whether the buyout is worth paying or whether the contract should be challenged.
- Direct communication with the finance company and the homeowner's lawyer.
- Free review for any client with an HVAC contract concern.
Referral pathway
Send your client to /get-started or share our contact information. We coordinate with you and the client's real estate lawyer to keep the refinance on track.
