OntarioMortgageTools

Guides

Plain-language explanations of Ontario mortgage enforcement and court procedure, written to be used alongside the calculators.

How to Stop a Power of Sale in OntarioYour options to stop or delay a power of sale in Ontario: reinstating the mortgage, refinancing, selling yourself, forbearance, and challenging a defective notice. What Happens After a Notice of Sale in OntarioStep-by-step timeline of an Ontario power of sale after the notice of sale: the 35-day period, lawsuit for possession, the sale, surplus funds and shortfalls. Served With a Mortgage Statement of Claim in OntarioHow to respond to a mortgage enforcement statement of claim in Ontario: the 20-day deadline, noting in default, common defences, and setting aside default judgment. Power of Sale vs Foreclosure in OntarioHow power of sale and foreclosure differ in Ontario: court involvement, timelines, who keeps the surplus, and which one lenders use and why.