Within the context of mortgage subrogation, the term enervate refers to the process through which the bank manifests its intention to match or improve the mortgage loan offer made by a different banking institution to one of its customers.

When switching mortgage lenders, the current bank has 15 calendar days to state its intention, in the presence of a notary public, to formalize a modification to the mortgage loan conditions that match or improve the new offer presented by the other institution.