Service Overview
Focused legal support for mortgage enforcement and power of sale
When a borrower defaults on mortgage obligations, lenders often need to act quickly to protect the secured interest and limit financial loss. Ontario mortgage enforcement is governed by statutory and procedural requirements, and each step in the process needs to be handled carefully.
Our office assists lenders, including private lenders and financial institutions, with mortgage enforcement matters and related court proceedings.
Main mortgage remedies in Ontario
Mortgage enforcement may proceed through:
- Power of Sale, which is often the faster and more common remedy
- Judicial foreclosure, where the lender seeks to extinguish redemption rights and take ownership of the property
Common enforcement work
Our services in this area may include:
- Serving the notices required to trigger the enforcement process
- Possession proceedings, including vacant possession issues
- Managing the sale process and final conveyance
- Deficiency claims against borrowers and guarantors
- Responding to challenges involving notice, conduct of sale, or other enforcement complaints
These files can involve tight timelines, occupied properties, and competing interests, so a structured approach is important from the outset.