Deed of Reconveyance (Canada)
This document is prepared by (and after registration returned to): Name: [Trustee's Name] Address: [Return Address], [Return City], [Return Province] [Return Postal Code], Canada Phone: [Return Phone] PIN / Property identification number: [Parcel Number] Above this line is reserved for official use only
[Trustee's Name], [Who Trustee], with a mailing address at [Trustee Address], [Trustee City], [Trustee Province] [Trustee Postal Code], Canada (the "Trustee") does hereby certify and declare that the loan in the amount of CAD $[Loan Amount], secured by the mortgage or deed of trust registered on [Trust Deed Date] at the [Recording Info] made by [Trustor's Name], [Who Trustor], with a mailing address at [Trustor Address], [Trustor City], [Trustor Province] [Trustor Postal Code], Canada (the "Trustor"), and
[Borrower's Name], [Who Borrower], with a mailing address at [Borrower Address], [Borrower City], [Borrower Province] [Borrower Postal Code], Canada (the "Borrower"), has been FULLY PAID and SATISFIED. There are no outstanding liens or other encumbrances pending against the property. The Trustee hereby reconveys to the Trustor, without warranty, all rights, titles, and interests acquired by the Trustee under said mortgage or deed of trust for the following property: [Property Description], located at [Property Address], [Property City], [Property Province] [Property Postal Code], Canada.
The Borrower is the recipient of this Deed of Reconveyance and any subsequent documents relating to the property.
Date: [Effective Date]
The Trustee:
[Trustee's Name]
This Deed of Reconveyance is governed by the laws of the Province of [Governing Province] and the applicable federal laws of Canada. The discharge of the mortgage or deed of trust is subject to registration at the applicable provincial land registry office under the Land Titles Act or Registry Act of the governing province.
Signatory
[Trustee's Name]
Signature
What Is a Deed of Reconveyance (Canada)?
A Deed of Reconveyance in Canada transfers legal title back to the borrower once a secured debt has been fully repaid, clearing the lender’s interest from title, governed primarily by provincial Land Titles and Property Acts.
In Canada, the mortgage discharge process is governed by provincial legislation. In Ontario, the Mortgages Act (R.S.O. 1990, c. M.40) and the Land Titles Act (R.S.O. 1990, c. L.5) govern the discharge process. The Land Registration Reform Act (R.S.O. 1990, c. L.4) provides for electronic registration of discharges through the Teraview system. In British Columbia, the Property Law Act (R.S.B.C. 1996, c. 377) and the Land Title Act (R.S.B.C. 1996, c. 250) govern mortgage discharges, and the filing is made at the Land Title Office. In Alberta, the Land Titles Act (R.S.A. 2000, c. L-4) requires the mortgagee to provide a registrable discharge.
The Deed of Reconveyance or mortgage discharge is a critical document because until it is registered at the applicable land registry office, the mortgage remains on title and the property cannot be sold or refinanced free of that encumbrance. Delays in obtaining or registering a discharge can create significant problems for borrowers who wish to sell their property or obtain new financing.
The legal framework governing the Deed of Reconveyance (Canada) in Canada draws on several key statutes and regulatory bodies. Under provincial residential tenancies legislation — including Ontario's Residential Tenancies Act 2006 and British Columbia's Residential Tenancy Act (SBC 2002) — the Landlord and Tenant Board (Ontario) or Residential Tenancy Branch (BC) adjudicates disputes. The Land Title Act governs property registration through provincial land title offices. The Canada Revenue Agency (CRA) administers the non-resident property tax and GST/HST on real estate transactions. Parties executing a Deed of Reconveyance (Canada) in Canada should confirm the document reflects current law, including any amendments enacted since the original drafting date. The Provincial Real Property Acts sets the foundational requirements.
When Do You Need a Deed of Reconveyance (Canada)?
A Deed of Reconveyance or Discharge of Mortgage is needed whenever a borrower has fully repaid a mortgage or loan secured by real property in Canada. The lender is obligated to provide a discharge document once the loan has been satisfied in full, including all principal, interest, and any applicable fees. The borrower should request the discharge promptly after final payment to confirm the mortgage is removed from the property title.
The Canada Deed of Reconveyance (Canada) document is essential in several common scenarios: when a homeowner makes the final payment on their residential mortgage, when a commercial property owner pays off a business mortgage, when a property is refinanced and the old mortgage needs to be discharged before the new one is registered, or when a property is sold and the proceeds are used to pay off the existing mortgage at closing. In all these cases, the discharge must be registered at the provincial land registry office to clear the title.
In Ontario, the Mortgages Act requires the lender to provide a discharge within a reasonable time after receiving full payment and a request for discharge. A borrower who encounters difficulties obtaining a discharge may apply to the court for an order directing the discharge. In British Columbia, the Property Law Act imposes similar obligations on lenders. Failure to provide a timely discharge can result in the lender being liable for damages caused to the borrower by the delay.
Parties in Canada should prepare a Deed of Reconveyance (Canada) proactively rather than waiting for a dispute to arise. Courts interpret agreements based on the written terms rather than oral representations. Under provincial residential tenancies legislation — including Ontario's Residential Tenancies Act 2006 and British Columbia's Residential Tenancy Act (SBC 2002) — the Landlord and Tenant Board (Ontario) or Residential Tenancy Branch (BC) adjudicates disputes. The Land Title Act governs property registration through provincial land title offices. The Canada Revenue Agency (CRA) administers the non-resident property tax and GST/HST on real estate transactions. Where the transaction involves regulated activities, prior approval from the relevant authority may be required before execution.
What to Include in Your Deed of Reconveyance (Canada)
A properly drafted Canadian Deed of Reconveyance or Discharge of Mortgage must include several essential elements. The document must clearly identify the trustee or lender (mortgagee) by full legal name and address, specifying whether they are an individual, corporation, partnership, or trust company. The trustor or borrower (mortgagor) must also be fully identified with their legal name and current address.
The document must reference the original mortgage or deed of trust by its registration details, including the instrument number, the land registry office where it was registered, the date of registration, and the principal amount of the loan secured. The property must be described using the legal description as it appears on the registered title, including the Property Identification Number (PIN) in Ontario, the Parcel Identifier (PID) in British Columbia, or the equivalent identifier in other provinces.
The reconveyance or discharge must contain a clear declaration that the loan has been fully paid and satisfied, that there are no outstanding amounts owing, and that the lender releases all rights, titles, and interests in the property acquired under the mortgage. The document should specify the effective date and include the lender's signature. In most provinces, the discharge must be in the prescribed form for electronic or paper registration at the land registry office.
The document should reference the governing provincial law, including the applicable Land Titles Act, Registry Act, or Property Law Act. In Ontario, discharges are typically registered electronically through the Teraview system. In British Columbia, the BC Online system is used for electronic filings at the Land Title Office. The document must comply with all provincial requirements for registration to be accepted by the land registry office.
Additional compliance elements for a Deed of Reconveyance (Canada) used in Canada include: Under provincial residential tenancies legislation — including Ontario's Residential Tenancies Act 2006 and British Columbia's Residential Tenancy Act (SBC 2002) — the Landlord and Tenant Board (Ontario) or Residential Tenancy Branch (BC) adjudicates disputes. The Land Title Act governs property registration through provincial land title offices. The Canada Revenue Agency (CRA) administers the non-resident property tax and GST/HST on real estate transactions. Forms-legal.com provides this template as a starting point for Canada-compliant documentation.
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Reference this free template in an article, syllabus, or research note:
Forms Legal. (2026). Deed of Reconveyance (Canada) (Canada) [Legal document template]. Forms Legal. https://forms-legal.com/canada/real-estate/property/deed-of-reconveyance-canada
"Deed of Reconveyance (Canada) (Canada)." Forms Legal, 2026, https://forms-legal.com/canada/real-estate/property/deed-of-reconveyance-canada.
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note = {Free legal document template. Based on Provincial Real Property Acts}
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Frequently Asked Questions
A Deed of Reconveyance in Canada is a legal document used to release a property from a mortgage or deed of trust after the loan has been fully repaid. In Canadian real estate practice, the more common equivalent is a Discharge of Mortgage, which is registered at the provincial land registry office to remove the mortgage from the property title. In British Columbia, the process is governed by the Land Title Act (R.S.B.C. 1996, c. 250) and the Property Law Act (R.S.B.C. 1996, c. 377). In Ontario, the Land Titles Act (R.S.O. 1990, c. L.5) and the Registry Act (R.S.O. 1990, c. R.20) govern mortgage discharges. In Alberta, the Land Titles Act (R.S.A. 2000, c. L-4) applies. Under Canada law, Provincial Real Property Acts, parties should seek independent legal advice from a qualified lawyer to confirm compliance with all applicable requirements. Under provincial residential tenancies legislation — including Ontario's Residential Tenancies Act 2006 and British Columbia's Residential Tenancy Act (SBC 2002) — the Landlord and Tenant Board (Ontario) or Residential Tenancy Branch (BC) adjudicates disputes. The Land Title Act governs property registration through provincial land title offices. Forms-legal.com provides this template as a starting point for Canada-compliant documentation.
When a mortgage is fully repaid, the lender (mortgagee) is required to provide a discharge of the mortgage. In Ontario, the lender must provide a discharge statement within 15 business days of receiving a request, and register the discharge within a reasonable time after full payment, as required under the Mortgages Act (R.S.O. 1990, c. M.40). In British Columbia, the lender must deliver a registrable discharge within a reasonable time. In Alberta, the Land Titles Act requires the lender to discharge the mortgage within a reasonable period. The discharge is then registered at the provincial land registry office to clear the title. Under Canada law, Provincial Real Property Acts, parties should seek independent legal advice from a qualified lawyer to confirm compliance with all applicable requirements. Under provincial residential tenancies legislation — including Ontario's Residential Tenancies Act 2006 and British Columbia's Residential Tenancy Act (SBC 2002) — the Landlord and Tenant Board (Ontario) or Residential Tenancy Branch (BC) adjudicates disputes. The Land Title Act governs property registration through provincial land title offices. Forms-legal.com provides this template as a starting point for Canada-compliant documentation.
Registration fees for a mortgage discharge vary by province. In Ontario, the Land Registry Office charges a registration fee that is currently approximately CAD $80 for electronic registration. In British Columbia, the Land Title Office charges a filing fee. In Alberta, the Land Titles Office also charges a registration fee. Additionally, if a lawyer or notary is engaged to handle the discharge, there will be legal fees. The lender is generally responsible for preparing the discharge document, but the borrower may be responsible for registration costs depending on the terms of the original mortgage agreement. Under Canada law, Provincial Real Property Acts, parties should seek independent legal advice from a qualified lawyer to confirm compliance with all applicable requirements. Under provincial residential tenancies legislation — including Ontario's Residential Tenancies Act 2006 and British Columbia's Residential Tenancy Act (SBC 2002) — the Landlord and Tenant Board (Ontario) or Residential Tenancy Branch (BC) adjudicates disputes. The Land Title Act governs property registration through provincial land title offices. Forms-legal.com provides this template as a starting point for Canada-compliant documentation.
A Deed of Reconveyance (Canada) does not legally require a lawyer in Canada, and individuals and businesses may draft and execute the document independently. The Provincial Real Property Acts does not mandate legal representation for the creation or signing of this type of document. However, seeking independent legal advice from a qualified Canada lawyer is recommended for transactions involving substantial financial value, complex regulatory requirements, or cross-border elements where multiple legal jurisdictions may apply. A lawyer can verify that the document complies with all applicable statutory requirements, identify potential risks specific to the transaction, and confirm that the terms adequately protect the interests of all parties involved. The Federal Court of Canada has jurisdiction over disputes arising from this type of document, and Corporations Canada may impose additional compliance obligations depending on the nature of the underlying transaction. Professional legal review is particularly advisable where the document will be submitted to government agencies or used as evidence in legal proceedings.
A Deed of Reconveyance (Canada) does not legally require a lawyer in Canada, though legal advice is recommended for complex transactions. Under Canadian law, individuals may draft and execute this type of document independently. The Competition Act (R.S.C. 1985, c. C-34) provides consumer protections. However, Corporations Canada, the Canada Revenue Agency (CRA), or provincial regulatory bodies may have specific requirements. For property transactions, provincial land title offices require qualified lawyers or notaries. PIPEDA and provincial privacy legislation impose obligations on parties handling personal data. Where disputes arise, provincial superior courts or the Federal Court of Canada have jurisdiction. Forms-legal.com provides this template as a starting point — always review with a qualified Canadian lawyer for significant transactions.
This template is provided for informational purposes only and does not constitute legal advice. Laws vary by jurisdiction and change over time. Consult a qualified attorney for advice specific to your situation.Full disclaimer
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