It's a really good question. This past year, I had an experience based on that exact example.
I do not know the answer to that. It would have to do with registries. If the spouse is on the title, she has to acknowledge the refinancing. If the spouse is not on title, she also has to acknowledge the refinancing. Where it becomes complex is if there's a lawyer who is more favourable...and doesn't honour the independent legal advice of the wife.
So, from a mortgage perspective...not really, and I have seen it happen where the house was refinanced and the wife was not acknowledged.