Canada: Charges, Mortgages, Indemnities

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.

Torys On Budget 2025: Proposals For Small And Mid-sized Federal Financial Institutions

Budget 2025 announced the first phase of a plan to foster greater competition, innovation and efficiency in the Canadian financial sector.

TL

Torys LLP

Court Of Appeal Summaries (October 20 – 24, 2025)

The appellants argued that the motion judge erred in her contextual analysis.

Canada Litigation

BM

Blaney McMurtry LLP

FINTRAC Publishes Resources To Support Mortgage Sector Compliance

As we previously reported, persons and entities in the mortgage sector (mortgage administrators, mortgage brokers, and mortgage lenders) became subject...

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Goodmans LLP

Indemnity Costs

What are the real legal costs which a lender can recover in a commercial foreclosure? Is it different for a residential mortgage?

LK

Lindsay Kenney LLP

Des organismes de réglementation financière évaluent la résilience climatique des institutions financières canadiennes

BC

Blake, Cassels & Graydon LLP

When A Real Estate Deal Falls Through: What To Do (Or Not To Do)

Canada Real Estate

MT

Miller Thomson LLP

Les répercussions de la loi Mortgage Services Act de la Colombie-Britannique sur les prêteurs demeurent incertaines

Canada Real Estate

BC

Blake, Cassels & Graydon LLP

Court Of Appeal Summaries (September 29 – October 3, 2025)

Canada Litigation

BM

Blaney McMurtry LLP

B.C. Mortgage Services Act: Impact On Lenders Remains Unclear

BC

Blake, Cassels & Graydon LLP

Court Of Appeal Summaries (September 15 – 19, 2025)

Canada Litigation

BM

Blaney McMurtry LLP

A Walk-Through Of Parcel Registers

Canada Real Estate

CM

Casey & Moss LLP

Release Provisions Prohibiting Regulatory Complaints Deemed Unenforceable - Case Comment: 2724582 Ontario Inc V Gold, 2025 ONCA 531

MB

McCague Borlack LLP

Legal Pulse - Summer 2025

Canada Real Estate

RA

Robins Appleby LLP

Why Life Insurance Beats Mortgage Insurance

Canada Insurance

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Lawyers Financial

Statute-Barred Years For GST/HST Returns: When The CRA Can Reassess And How To Protect Your Rights

RS

Rotfleisch & Samulovitch P.C.

When CRA Denies Penalty Relief In Major Non-Compliance Cases: Offshore Income And Aggressive Tax Shelters (2020–2025)

RS

Rotfleisch & Samulovitch P.C.

Now Hiring? New Job Posting Rules Take Effect In 2026

Canada Employment

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Williams HR Law

Fall Tax Briefing: Trust Tax Structures, Mutual Fund Trust Eligibility, Director Liability And More

WD

Wildeboer Dellelce LLP

Contracts For Services vs. Contracts For Goods In Ontario

Canada Commercial

Pacific Legal PC

Is A Witness Required For Personal Guarantees Or Signatures?

When lending to corporations, commercial mortgage lenders often require personal guarantees from directors, shareholders, or beneficial owners.

GR

Gardiner Roberts LLP

Bill 92: Quebec Takes Another Step In Modernizing Its Financial Sector Framework

Bill 92, An Act to amend various provisions mainly with respect to the financial sector (2025, chapter 16) (Act), which was tabled before Quebec's National Assembly by Finance Minister Eric Girard last spring...

BC

Blake, Cassels & Graydon LLP

Mortgage Assumptions: A Practical Guide To Taking Over A Commercial Loan

In Ontario's dynamic commercial real estate market, where uncertain interest rates, increased development costs, and extended project timelines present significant challenges...

BM

Blaney McMurtry LLP

Court Of Appeal Summaries (July 28, 2025 - August 1, 2025)

Following are our summaries of the civil decisions of the Court of Appeal for Ontario for the week of July 28 to August 1, 2025.

Canada Litigation

BM

Blaney McMurtry LLP

Court Of Appeal Summaries (July 21-25, 2025)

Canada Litigation

BM

Blaney McMurtry LLP

Court Of Appeal Summaries (July 14-18, 2025)

Canada Litigation

BM

Blaney McMurtry LLP

Coentreprises : Considérations en matière de financement et pièges potentiels

BC

Blake, Cassels & Graydon LLP

Equitable Subrogation: A Shield Against Unjust Enrichment In Mortgage Priority Disputes

Canada Real Estate

RA

Robins Appleby LLP

Lawyer Did Not Breach Standard Of Care By Following Instructions Of Client's Agent (Shortreed Joint Venture Ltd. v Guvi)

Canada Litigation

GR

Gardiner Roberts LLP

Bill C-2: Canada's Crusade To Reform AML And Enhance FINTRAC Powers

Canada Technology

MT

McCarthy Tétrault LLP

7 Ways To Build Your Book With Millennials And Gen Z

BB

Babin Bessner Spry LLP

Federal Government Announces Reforms To Mortgage Rules – Is It Enough?

Canada Real Estate

Woitzik Polsinelli LLP

Can Plans And Specifications Used To Obtain Permits And Authorizations Give Rise To A Legal Hypothec?

Canada Real Estate

MT

Miller Thomson LLP

Plans et devis émis pour permis et autorisations : donnent-ils droit à l'hypothèque légale ?

Canada Real Estate

MT

Miller Thomson LLP

7 Ways To Build Your Book With Millennials And Gen Z

Uncertain times give advisors, portfolio managers, insurance agents and planners an opportunity to shine with clients and prospects. In my last article, I explained a 5 step approach to help clients through difficult times.

BB

Babin Bessner Spry LLP

Federal Government Announces Reforms To Mortgage Rules – Is It Enough?

In 2023, the Canada Mortgage and Housing Corporation ("CMHC") estimated that 3.5 million additional housing units needed to be built to reach the target levels of affordability last seen in 2004.

Canada Real Estate

Woitzik Polsinelli LLP

Can Plans And Specifications Used To Obtain Permits And Authorizations Give Rise To A Legal Hypothec?

Can a legal hypothec arise from plans and specifications drawn at a project's permitting and authorization stage, even when those plans are not used for the project's construction?

Canada Real Estate

MT

Miller Thomson LLP

Plans et devis émis pour permis et autorisations : donnent-ils droit à l'hypothèque légale ?

Peut-on revendiquer une hypothèque légale pour avoir fourni des plans et devis au stade du permis et des autorisations pour un projet, même si ceux-ci ne sont pas utilisés pour les travaux...

Canada Real Estate

MT

Miller Thomson LLP

Court Of Appeal Summaries ( May 12 – May 16, 2025)

Canada Litigation

BM

Blaney McMurtry LLP

Court Of Appeal Summaries (March 10-14, 2025)

In Adelaide Metcalfe (Township) v. Strathroy-Caradoc (Municipality), the Court affirmed that absent clear language indicating a right of appeal from an interlocutory decision, legislation conferring a right of appeal...

Canada Litigation

BM

Blaney McMurtry LLP

Super Priority Liens: What Commercial Mortgage Lenders Need To Know

In Ontario, the concept of super priority liens refers to certain types of liens that take precedence over other claims on a property, even rights arising from a mortgage.

Canada Commercial

GR

Gardiner Roberts LLP

Designing A Solid Security Package: Charge/mortgage (Video)

A charge/mortgage is likely one of the first things to come to mind when we think about ways to secure a loan.

GW

Gowling WLG

Mortgage Meltdown: The Rise In Interest Rates Leads To Surge In Mortgage Defaults

After borrowing heavily during a low-interest boom, many property owners are grappling with mounting debts. Commercial litigator Alexander Verrilli at McKenzie Lake Lawyers in Guelph explains the consequences of defaulting on mortgages and what options are available.

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McKenzie Lake Lawyers LLP

Alberta Mortgage Registration Levies Increase Again: Land Value Now Valueless

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Fasken

Changes In Effect To The Cost Of Collateral Mortgage Registration

BJ

Bennett Jones LLP

Increased Costs For Registering A Mortgage At The Alberta Land Titles Office (Effective January 31, 2025)

Canada Real Estate

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Cassels

What Will Happen To My Debt After Death?

DS

Devry Smith Frank LLP

The Times They Are A-Changing: The BC Mortgage Services Act And The Regulation Of Mortgage Services

MA

MLT Aikins LLP

The Perils Of Private Mortgages In A Commercial Context

CP LLP

Revue De L'année En Matière De Réglementation Bancaire Et Prévisions Pour 2025

FF

Fasken (French)

Banking Regulatory Year In Review And 2025 Outlook

F

Fasken

Progress Amid Uncertainty: What This Week's Fall Economic Statement Means For Financial Services

GW

Gowling WLG

Specific Performance Ordered In Dispute Between Father And Son Over Family Home (Gill v. Gill)

Canada Litigation

GR

Gardiner Roberts LLP

A First Home Of One's Own: Making Sense Of Canada's Housing Market

Canada Real Estate

F

Lawyers Financial

Alberta Land Titles Fee Increases: What You Need To Know Before October 20, 2024

Canada Real Estate

SL

Stringam LLP

The Alberta Government Proposes To Change The Cost Of Registering A Mortgage

BJ

Bennett Jones LLP

OSFI Issues Updates For Mortgage Qualifying Rate, Culture Risk And Funding

F

Fasken

How Can The Mortgage Industry Comply With FINTRAC's Anti-money Laundering Obligations?

Canada Government

ML

MNP LLP

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Latest Videos

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Designing A Solid Security Package: Rents And Leases (Video)

GW

Gowling WLG

Designing A Solid Security Package: Charge/Mortgage (Video)

GW

Gowling WLG

Security 101: Practical Legal Essentials For Commercial Lenders (Video)

GW

Gowling WLG

Moving B2B Payments Into The Digital Age'

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Dentons Canada LLP

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