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.

Discharging A Mortgage On Your Property 101

Many homeowners (“mortgagors”) focus on one goal: paying off their mortgage (also known as a “charge”) so they can finally enjoy full and clear title to their property.

Canada Real Estate

DS

Devry Smith Frank LLP

Mortgagee Can Discharge Certificate Of Pending Litigation To Enable Power Of Sale (MCAN Home Mortgage Corporation v. Broad)

Where litigation concerns an interest in land, a party may seek to register a certificate of pending litigation ("CPL") on title to the property at issue under section 103 of the Courts of Justice Act (the "CJA").

Canada Real Estate

GR

Gardiner Roberts LLP

Working In Law? Three Questions To Ask About Your Financial Protection

Let’s be honest: reviewing your finances isn’t at the top of anyone’s to-do list. If you work in a law firm, as an assistant, administrator, or business professional, you likely spend your days...

Canada Insurance

F

Lawyers Financial

Private Credit Northbound: Key Legal And Structural Considerations For U.S. Lenders Lending Into Canada

It is no secret that private credit has not achieved the same level of market penetration in Canada as it has in the United States and Europe.

BC

Blake, Cassels & Graydon LLP

Court Of Appeal Summaries (March 2 – 6, 2026)

Canada Litigation

BM

Blaney McMurtry LLP

The Federal Court Sets Aside A $1.6 Million Administrative Monetary Penalty By The Commissioner Of The Financial Consumer Agency Of Canada

MT

McCarthy Tétrault LLP

Mortgage Enforcement And The Interest Act

CP LLP

Court Strikes Claim Of Non-party To Mortgage Contract Against Mortgagee And Its Lawyer (Anthonipillai v. Ghorbankhani)

Canada Litigation

GR

Gardiner Roberts LLP

Indemnity Clauses: Why You Think You Need Them (And When You Probably Don't)

Canada Commercial

TL

Torys LLP

Five Things First-Time Home Buyers Should Know In Ontario

Canada Real Estate

SW

Soloway Wright

Incidence du régime LRPC élargi au Canada sur les secteurs de l'immobilier et des prêts hypothécaires

Canada Real Estate

BC

Blake, Cassels & Graydon LLP

Refonte de la conformité des prêts hypothécaires : Le projet de loi 29 de la Colombie-Britannique et l'évolution du régime de LRPC du Canada (Podcast)

Worldwide Finance

BC

Blake, Cassels & Graydon LLP

Navigating Canada's Expanding AML Framework In Real Estate And Lending

BC

Blake, Cassels & Graydon LLP

Redefining Mortgage Lending Compliance: B.C.'s Bill 29 And Canada's Evolving AML Regime (Podcast)

BC

Blake, Cassels & Graydon LLP

Constructive Dismissal And Quiet Quitting

Canada Employment

MA

MLT Aikins LLP

Vefghi Holding Corp. v. Canada: How To Avoid The "Tax Trap" On Timing Of Flow-Through For Dividend Income And Timing Of Receipts For Trusts

RS

Rotfleisch & Samulovitch P.C.

Understanding CRA Form T106 And How It Compares To U.S. Reporting Requirements

RS

Rotfleisch & Samulovitch P.C.

Hold The Housewarming Party: Three FHSA Considerations Before Making A Down Payment

BL

Borden Ladner Gervais LLP

Canada Labour Code: New Equal Treatment Wage Obligations On The Horizon

Canada Employment

MT

McCarthy Tétrault LLP

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

Following are our summaries of the civil decisions of the Court of Appeal for Ontario for the week of December 15, 2025.

Worldwide Litigation

BM

Blaney McMurtry LLP

Canada's Bank Regulator Moves To Loosen Capital Rules And Encourage Lending To SMEs

Office of the Superintendent of Financial Institutions Lowering Bank Capital Requirements to Support Business Lending

AB

Aird & Berlis LLP

Construction Liens And Loan Advances: Why Prudent Commercial Lenders Hit "Pause" And How To Clear The Path

Ontario's construction and development sector faces ongoing supply-chain disruptions, labour shortages, and uncertain interest rates, resulting in tighter margins and increased payment disputes.

Canada Real Estate

BM

Blaney McMurtry LLP

Court Of Appeal Summaries (November 17 – 21, 2025)

Following are our summaries of the civil decisions of the Court of Appeal for Ontario for the week of November 17, 2025.

Canada Litigation

BM

Blaney McMurtry LLP

Efficient Mortgage Enforcement, Meet The Ontario Civil Court System

CP LLP

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

TL

Torys LLP

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

Canada Litigation

BM

Blaney McMurtry LLP

FINTRAC Publishes Resources To Support Mortgage Sector Compliance

GL

Goodmans LLP

Indemnity Costs

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

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

It is 4:00 p.m. and it appears your real estate purchase or sale will not close on the scheduled completion date. Logically, the first question on your mind is what are your options.

Canada Real Estate

MT

Miller Thomson LLP

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

La nouvelle loi de la Colombie-Britannique intitulée Mortgage Services Act (la « MSA ») remplacera la loi Mortgage Brokers Act (la « MBA ») le 13 octobre 2026.

Canada Real Estate

BC

Blake, Cassels & Graydon LLP

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

Following are our summaries of the civil decisions of the Court of Appeal for Ontario for the week of September 29, 2025.

Canada Litigation

BM

Blaney McMurtry LLP

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

British Columbia's new Mortgage Services Act (MSA) is set to replace the Mortgage Brokers Act (MBA) on October 13, 2026. The Mortgage Services Rules (Rules) and Mortgage Services Regulation...

BC

Blake, Cassels & Graydon LLP

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

Canada Litigation

BM

Blaney McMurtry LLP

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

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

Canada Litigation

BM

Blaney McMurtry LLP

Generation Allowance

F

Lawyers Financial

New Regulation On Complaint Handling In Québec's Financial Sector

BL

Borden Ladner Gervais LLP

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

Canada Litigation

BM

Blaney McMurtry LLP

Court Of Appeal Summaries (March 31 – April 4, 2025)

Canada Litigation

BM

Blaney McMurtry 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'

D

Dentons Canada LLP

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