A Deed of Reconveyance is a crucial document in Canadian real estate transactions that formally releases a property from a mortgage lien. This document is used when a borrower has fully satisfied their mortgage obligations and the lender needs to officially transfer the property title back to the borrower. The deed must include specific details about the original mortgage, property description, and confirmation of payment, while complying with provincial registration requirements. It serves as conclusive evidence that the mortgage has been discharged and the property is free from the lender's interest. The document is particularly important for property records and future transactions, as it helps establish a clear chain of title.
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1. Parties: Identification of the mortgagee (lender) and mortgagor (borrower), including full legal names and addresses
2. Background: Details of the original mortgage agreement, including date, registration number, and property details
3. Definitions: Key terms used in the deed, including 'Property', 'Mortgage', 'Registration', etc.
4. Acknowledgment of Payment: Confirmation that the mortgage has been paid in full and all obligations have been satisfied
5. Reconveyance Declaration: Formal statement reconveying the property from mortgagee to mortgagor
6. Property Description: Legal description of the property being reconveyed
7. Release of Claims: Statement releasing all claims, rights, and interests in the property
8. Execution: Signature blocks for all parties and witnesses
9. Notarization: Space for notary attestation and seal
1. Partial Reconveyance: Used when only a portion of the mortgaged property is being reconveyed
2. Multiple Mortgages: Required when dealing with multiple registered mortgages on the property
3. Power of Attorney: Included when one or more parties are acting through an attorney
4. Survival of Covenants: Used when certain covenants from the original mortgage need to survive the reconveyance
5. Electronic Registration Consent: Required when the document will be registered electronically
1. Schedule A - Property Description: Detailed legal description of the property, including lot numbers, plan numbers, and boundaries
2. Schedule B - Original Mortgage: Copy or details of the original mortgage agreement being discharged
3. Schedule C - Payment Confirmation: Evidence of full payment of the mortgage
4. Schedule D - Land Title Office Forms: Required forms for land title registration
5. Appendix 1 - Supporting Documents: Additional documentation such as corporate resolutions or power of attorney certificates
Relevant legal definitions
Mortgagee
Mortgagor
Property
Original Mortgage
Mortgage Registration Number
Land Title Office
Reconveyance
Transfer Date
Discharge
Legal Description
Parcel Identifier (PID)
Registration
Title
Effective Date
Registered Owner
Charge
Encumbrance
Land Title Act
Governing Law
Authorized Representative
Supporting Documents
Electronic Registration System
Business Day
Mortgagor
Property
Original Mortgage
Mortgage Registration Number
Land Title Office
Reconveyance
Transfer Date
Discharge
Legal Description
Parcel Identifier (PID)
Registration
Title
Effective Date
Registered Owner
Charge
Encumbrance
Land Title Act
Governing Law
Authorized Representative
Supporting Documents
Electronic Registration System
Business Day
Clauses
Recitals
Payment Acknowledgment
Property Description
Reconveyance Declaration
Release of Interest
Representations and Warranties
Registration and Recording
Further Assurances
Governing Law
Execution
Attestation
Notarization
Severability
Entire Agreement
Authority
Compliance with Law
Title Transfer
Survival
Payment Acknowledgment
Property Description
Reconveyance Declaration
Release of Interest
Representations and Warranties
Registration and Recording
Further Assurances
Governing Law
Execution
Attestation
Notarization
Severability
Entire Agreement
Authority
Compliance with Law
Title Transfer
Survival
Relevant Industries
Banking & Financial Services
Real Estate
Legal Services
Insurance
Mortgage Lending
Property Development
Construction
Property Management
Relevant Teams
Legal
Real Estate
Mortgage Administration
Compliance
Property Services
Document Management
Title Processing
Risk Management
Relevant Roles
Real Estate Lawyer
Mortgage Officer
Legal Counsel
Title Officer
Property Manager
Real Estate Agent
Mortgage Administrator
Bank Manager
Compliance Officer
Legal Assistant
Notary Public
Land Registry Officer
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