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.

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)

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

Canada Litigation

BM

Blaney McMurtry LLP

A Walk-Through Of Parcel Registers

In my last blog, we explored on how to pull a parcel register without a PIN (Property Identification Number) via ONLAND.

Canada Real Estate

CM

Casey & Moss LLP

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

In 2724582 Ontario Inc v Gold, 2025 ONCA 531, the Court of Appeal for Ontario upheld a motion judge's decision that provisions within a Release preventing a releasor from making regulatory complaints...

MB

McCague Borlack LLP

Legal Pulse - Summer 2025

Canada Real Estate

RA

Robins Appleby LLP

Why Life Insurance Beats Mortgage Insurance

Canada Insurance

F

Lawyers Financial

Is A Witness Required For Personal Guarantees Or Signatures?

GR

Gardiner Roberts LLP

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

BC

Blake, Cassels & Graydon LLP

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

BM

Blaney McMurtry LLP

Court Of Appeal Summaries (July 28, 2025 - 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

Regulating Deepfakes Through Copyright: Would Denmark's Proposed Approach Be Right For Canada?

MT

Miller Thomson LLP

Canada-U.S. Trade: Canada Rolls Back Retaliatory Tariffs On CUSMA-Compliant Goods, Matching Current U.S. Approach

TL

Torys LLP

Comment traiter les tarifs douaniers et autres obstacles à l'accès aux marchés au moyen du mécanisme de règlement des différends entre investisseurs et États

Canada International

MT

McCarthy Tétrault LLP

Streamlining Labour: Ontario's Legislative Shift On Labour Mobility

Canada Employment

C

CCPartners

Robots Rejected: Canada Denies AI As Patent Inventor

LS

Lenczner Slaght LLP

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

During the course of a retainer, lawyers may communicate with an agent acting on behalf of their client for the purposes of receiving and acting upon instructions. In some cases...

Canada Litigation

GR

Gardiner Roberts LLP

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

In 2024, the federal government signaled that it planned to significantly strengthen Canada's anti-money laundering (AML) legislative regime (our summary here)...

Canada Technology

MT

McCarthy Tétrault 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?

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

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

Canada Litigation

BM

Blaney McMurtry LLP

Super Priority Liens: What Commercial Mortgage Lenders Need To Know

Canada Commercial

GR

Gardiner Roberts LLP

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

GW

Gowling WLG

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

Following are our summaries of the civil decisions of the Court of Appeal for Ontario for the week of March 31, 2025 to April 4, 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

ML

McKenzie Lake Lawyers LLP

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

The new Mortgage Services Act will introduce a new disciplinary framework and updated licensing and regulatory requirements for those engaged in mortgage lending.

MA

MLT Aikins LLP

The Perils Of Private Mortgages In A Commercial Context

"Private mortgages", as opposed to "institutional mortgages", are mortgage arrangements by lenders who are not a bank listed in Schedule I or II to the Bank Act, a registered loan or trust company or credit union, or a licensed insurer or pension fund.

CP LLP

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

Ce bulletin fournit une vue d'ensemble des principaux développements récents en matière de réglementation ayant eu une incidence sur le secteur bancaire en 2024.

FF

Fasken (French)

Banking Regulatory Year In Review And 2025 Outlook

This bulletin provides a comprehensive overview of the key regulatory developments that impacted the banking sector in 2024 and offers insights into what to expect in 2025.

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

"冻结"所有权：防止未经授权的转让和抵押

Canada Real Estate

sL

Lawson Lundell LLP

'Freezing' Title: Protecting Against Unauthorized Transfers And Mortgages

Canada Real Estate

sL

Lawson Lundell LLP

Why Commercial Real Estate Lenders In Ontario Should Avoid Being Co-Defendants In Construction Lien Matters

Canada Real Estate

GR

Gardiner Roberts LLP

Comprendre et maximiser chaque étape de l'offre d'achat

Canada Real Estate

MT

Miller Thomson LLP

New Anti-Money Laundering Requirements For Mortgage Administrators, Mortgage Brokers And Mortgage Lenders

Canada Government

F

Fasken

Nouvelles obligations en matière de lutte contre le recyclage des produits de la criminalité pour les administrateurs hypothécaires, les courtiers hypothécaires et les prêteurs hypothécaires

FF

Fasken (French)

Court Of Appeal Summaries (October 21 – 25, 2024)

Canada Litigation

BM

Blaney McMurtry LLP

Increases In Land Titles Fees: What You Need To Know

RM

Reynolds Mirth Richards & Farmer

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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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