TitlePLUS Confirmed Lenders Chart
Instructions re lenders  Instructions re lenders

Lender

Send pre-closing Confirmation to Mortgage Lender?1

Approved Exceptions for Schedule "A"2

The following are defined for the purposes of this chart as "Standard Approved Exceptions". Where they apply, they do not need lender approval prior to release of funds:

  1. registered restrictions or covenants running with the land, provided there is no specific instance of non-compliance;
  2. minor easements for the supply of domestic utility or telephone services to the property or adjoining properties;
  3. easements for drainage, storm or sanitary sewers, public utility lines, telephone lines, cable television lines or other services which do not materially affect the present use of the property.

Send pre-closing Requisition for Funds?

Post-Closing Documents

Always use the TitlePLUS form of Final Report with the documents listed in this column unless stated differently below.

Glossary: "if provided" means "if provided by the lender for you to have executed".

Applicable for:

• Province(s)

• Transaction(s)

ATB Financial

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Alberta • Residential

Advanced Mortgage Investment Corporation

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Airline Financial Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential

Alterna Savings and Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Auto Workers Community Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

Bank of Montreal

Not required unless includes non-approved exceptions

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval in writing before releasing funds.

No

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Form (if provided)
  • Disclosure docs (if provided)
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Bay Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential

Bridgewater Bank

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Commercial
• Farm
• Prince Edward Island • Residential
• Saskatchewan • Residential
• Yukon • Residential

Buduchnist Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

CIBC Trust Corporation

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
• Ontario • Residential Purchase with Mortgage

CS Alterna Bank

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Commercial
• Farm
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Caisse Populaire de Clare

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Nova Scotia • Residential

Caisse populaire Cochrane-Tťmiskaming Limitťe

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire Nouvel-Horizon inc.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire Rideau-Vision díOttawa Inc.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire Sud-Ouest Ontario Inc.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire Trillium inc.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire Vallťe Est Limitťe

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire Vermillon

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire Voyageurs Inc.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire de Cornwall inc.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire de Hawkesbury Limitťe

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire de la Vallťe

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Caisse populaire díAlfred Limitťe

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Canadian Imperial Bank of Commerce

Not required unless includes non-approved exceptions.

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

NOTICE: We regret that construction loan transactions by this lender are not eligible for TitlePLUS coverage unless you are retained to subsearch title prior to each advance.

Yes. Always send Solicitor's Interim Report Requisition for Funds (Form 1053). Also, if required by the Mortgage Approval document or Commitment, fax the Identification Verification Form at least one day pre-closing.

  • Follow the lenderís own instructions.
  • Watch for & comply with any requirement to provide the original of the Identification Verification Form.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Saskatchewan • Residential
• Yukon • Residential

Canadian Western Bank

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Saskatchewan • Residential

Canadian Western Trust Company

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Saskatchewan • Residential

Canadian Western Trust Company, trading as Optimum Mortgage

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Saskatchewan • Residential

Cataract Savings & Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Computershare Trust Company of Canada (XMC Originated)

Not required unless includes non-approved exceptions.

The following are approved exceptions which do not need lender approval prior to release of funds:

1. registered restrictions or covenants running with the land, provided there is no specific instance of non-compliance;
2. minor easements for the supply of domestic utility or telephone services to the property or adjoining properties;
3. easements for drainage, storm or sanitary sewers, public utility lines, telephone lines, cable television lines or other services which do not materially affect the present use of the property; and
4. any illegality or unenforceability of the rents from the land resulting from a breach of any current or past law governing residential rents, and without limiting the generality of the foregoing, any obligation to make rent rebates to tenants or reduce the rents for the land.

For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Yes.

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Comtech Fire Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

Concentra Financial Services Association

Always

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction re: Funds
  • PAC forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Details of Fire Ins. Coverage and copy of binder only where mortgage is in excess of $200,000.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Commercial
• Farm
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Copperfin Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions
• Ontario • Residential
• Commercial
• Farm

Creative Arts Savings and Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Credit Union Atlantic Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Nova Scotia • Residential

DUCA Financial Services Credit Union Ltd.

Always (plus details of fire insurance coverage)

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Copy of Fire Insurance Policy with endorsement of its interest as lender
• Ontario • Residential
• Commercial
• Farm

Finnish Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

First Fidelity Mortgage Corp.

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

FirstOntario Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

HSBC Bank Canada

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Details of Fire Ins. Coverage and copy of binder only where mortgage is in excess of $500,000.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Hamilton Municipal Employees' Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential

Home Trust Company

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Copy of binder or policy
• Ontario • Residential
• Commercial
• Farm

ICICI Bank Canada

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential

Italian Canadian Savings & Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Kawartha Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential

Kilian, Gunter

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential

Kindred Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

La Fťdťration des Caisses populaires de líOntario inc.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Lambton Financial Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Laurentian Bank of Canada

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

No, unless specifically requested by lender

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Name of insur. co. policy #, amount and expiry date
• Ontario • Residential
• Quebec • Residential

Libro Credit Union Limited

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Copy of binder or policy
• Ontario • Residential
• Commercial
• Farm

Macquarie Financial Ltd.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lenderís own instructions.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Commercial
• Farm
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Magenta II Mortgage Investment Corporation

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Magenta Mortgage Investment Corporation

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Manulife Bank of Canada

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Copy of binder or policy
• Ontario • Residential

Meridian Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

Momentum Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Montreal Trust Company

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must: (a) write the following on Schedule "A" and sign it, assuming it is true: "The exceptions on this Schedule 'A' do not materially affect the marketability of title or materially impair the Lender's security", and (b) obtain lender approval in writing before releasing funds.

Yes

  • TitlePLUS Final Report must not include the registration number and date of registration. When sending the final Report to Mortgage Lender, include a re: line that states that the document is in fact a ďReport to Mortgage LenderĒ.
  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Name of insur. co., policy #, amount and expirydate
  • Survey,ifavailable
NOTE: Where the face principal amount of the mortgage is $250,000 or more and the property is not a condominium, you must provide a copy of the fire insurance policy or binder letter. If the property is a condominium, you must only provide the information set out in the chart regardless of the principal amount of the mortgage
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Montreal Trust Company of Canada

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must: (a) write the following on Schedule "A" and sign it, assuming it is true: "The exceptions on this Schedule 'A' do not materially affect the marketability of title or materially impair the Lender's security", and (b) obtain lender approval in writing before releasing funds.

Yes

  • TitlePLUS Final Report must not include the registration number and date of registration. When sending the final Report to Mortgage Lender, include a re: line that states that the document is in fact a ďReport to Mortgage LenderĒ.
  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Name of insur. co., policy #, amount and expirydate
  • Survey,ifavailable
NOTE: Where the face principal amount of the mortgage is $250,000 or more and the property is not a condominium, you must provide a copy of the fire insurance policy or binder letter. If the property is a condominium, you must only provide the information set out in the chart regardless of the principal amount of the mortgage
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Moosomin Credit Union

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Saskatchewan • Residential

Motor City Community Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

National Bank of Canada

Not required unless includes non-approved exceptions.

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval in writing before releasing funds.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Acknowledgment of Standard Charge Terms
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Name of insurance company, policy number, amount and expiry date.
NOTE: Where the face principal amount of the mortgage is $200,000 or more, you must provide a copy of the binder to the lender and ask the insurance company to provide the lender with a Certificate of Insurance.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

National Trust Company

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must: (a) write the following on Schedule "A" and sign it, assuming it is true: "The exceptions on this Schedule 'A' do not materially affect the marketability of title or materially impair the Bank's security", and (b) obtain lender approval in writing before releasing funds.

Yes

  • TitlePLUS Final Report must not include the registration number and date of registration. When sending the final Report to Mortgage Lender, include a re: line that states that the document is in fact a ďReport to Mortgage LenderĒ.
  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Name of insur. co., policy #, amount and expiry date
  • Survey,ifavailable
NOTE: Where the face principal amount of the mortgage is $250,000 or more and the property is not a condominium, you must provide a copy of the fire insurance policy or binder letter. If the property is a condominium, you must only provide the information set out in the chart above regardless of the principal amount of the mortgage
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Northern Credit Union Limited

Use the lender's own form of interim report

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

Follow the lender's own instructions.
• Ontario • Residential

O.N.R. Employees' (North Bay) Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential

Oshawa Community Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Ottawa Police Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Ottawa-Carleton Mortgage Inc.

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

PACE Savings & Credit Union Limited

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval in writing before releasing funds.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
• Ontario • Residential

PSE Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• New Brunswick • Residential

Parama Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

PenFinancial Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

Peoples Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing..

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Peoples Trust Company

Not required unless includes non-approved exceptions.

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Follow the lender's own instructions.

  • Dup. Reg. Mortgage or Proof of Registration
  • Insurance: Copy of of Fire Insurance Binder or Policy
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Saskatchewan • Residential

Powell River Credit Union

Follow the lenders' own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advvance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• British Columbia • Residential

Rapport Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential

Regency Finance Corp.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Alberta • Residential
• Nova Scotia • Residential
• Ontario • Residential
• Commercial
• Farm
• Prince Edward Island • Residential

Reitzel, Jeff

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential

Resurrection Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

Rexton Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• New Brunswick • Residential

Royal Bank of Canada

Not required unless includes non-approved exceptions

The following are approved exceptions which do not need lender approval prior to release of funds:
(1) registered restrictions or covenants running with the land, provided there is no specific instance of non-compliance;
(2) minor easements for the supply of domestic utility or telephone services to the property or adjoining properties;
(3) easements for drainage, storm or sanitary sewers, public utility lines, telephone lines, cable television lines or other services which do not materially affect the present use of the property;
(4) ores, mines and/or mineral rights being reserved and/or excepted from title, or the ownership of the surface rights of the land being separated from the underlying ores, mines and/or mineral rights.
(5) terms and conditions of the leasehold estate, including the manner of using and enjoying the property, restrictions on the use of the property, rent payable under the lease, restrictions on subletting and assignment of the leasehold estate, and/or compliance with the terms and conditions of the lease regarding any option to purchase the property and/or renew the term of the leasehold estate;
(6) vacant land, including the absence of any improvements on the property or the existing zoning;
(7) builderís right of re-entry to correct grading and drainage and to complete obligations under the subdivision agreement;
(8) easements for access, mutual drives, walkways, and/or maintenance of adjoining properties;
(9) easements, rights and reservations in favour of mining companies that occur commonly in the District of Sudbury and other areas of northern and western Ontario;
(10) reservations in favour of the provincial or territorial government regarding the harvesting of timber, reservations restricting the use of navigable waters as may be necessary for fishery purposes, and/or reservations of a part of the property for roads;
(11) environmental Records of Site Condition for properties in Ontario;
(12) reciprocal, cost-sharing and shared facilities agreements between condominium corporations and/or developers of condominiums;
(13) second mortgages on purchase transactions where both the first and second mortgages are to the Bank;
(14) for properties in Nunavut, in addition to the items set out in Approved Exception (5) above, terms and conditions of the leasehold estate as set out in the lease, including:
i. reservations in favour of the Commissioner of Nunavut or the Commissioner of the Northwest Territories as set out in the lease, including reservations for:
a. mines and minerals found on, upon or under the land;
b. rights of recorded holders of mineral claims and any other claims or permits affecting the property;
c. timber that may be on the property;
d. the right to enter upon, work and remove any rock outcrop required for public purposes;
e. rights of way and rights of entry required under regulations in force in connection with construction, maintenance and use of works for the conveyance of water for use in mining operations; and
f. the right to enter the property for the purpose of installing and maintaining any public utility;
ii. rent payable by a condominium corporation as fixed by the Commissioner of Nunavut or the Commissioner of the Northwest Territories pursuant to the lease; and
iii. unregistered right of re-entry in favour of the Commissioner of Nunavut or the Commissioner of the Northwest Territories, its agents and assigns for the purpose of constructing, operating, maintaining, repairing, replacing or removing public utilities;
(15) any exception where the Bankís written instructions to the lawyer indicate that the Bank does not require the corresponding search or due diligence (e.g., Certificate of Approval/Use Permit/municipal or governmental approval of private septic system);
(16) incomplete building with open building permit, where the Bank is financing construction on the property; and
(17) existing tenancies, including any illegality or unenforceability of rent, where the Bankís written instructions to the lawyer indicate that the Bank is financing the property on the basis that the property is to be rented.

For any other potential Schedule ďAĒ exceptions, you must make an ďinsure overĒ request to LAWPRO. Do NOT approach the Bank for approval of any exceptions.

NOTICE: We regret that construction loan transactions by this lender are not eligible for TitlePLUS coverage unless you are retained to subsearch title prior to each advance.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Royal Trust Corporation of Canada

Not required unless includes non-approved exceptions

The following are approved exceptions which do not need lender approval prior to release of funds:
(1) registered restrictions or covenants running with the land, provided there is no specific instance of non-compliance;
(2) minor easements for the supply of domestic utility or telephone services to the property or adjoining properties;
(3) easements for drainage, storm or sanitary sewers, public utility lines, telephone lines, cable television lines or other services which do not materially affect the present use of the property;
(4) ores, mines and/or mineral rights being reserved and/or excepted from title, or the ownership of the surface rights of the land being separated from the underlying ores, mines and/or mineral rights.
(5) terms and conditions of the leasehold estate, including the manner of using and enjoying the property, restrictions on the use of the property, rent payable under the lease, restrictions on subletting and assignment of the leasehold estate, and/or compliance with the terms and conditions of the lease regarding any option to purchase the property and/or renew the term of the leasehold estate;
(6) vacant land, including the absence of any improvements on the property or the existing zoning;
(7) builderís right of re-entry to correct grading and drainage and to complete obligations under the subdivision agreement;
(8) easements for access, mutual drives, walkways, and/or maintenance of adjoining properties;
(9) easements, rights and reservations in favour of mining companies that occur commonly in the District of Sudbury and other areas of northern and western Ontario;
(10) reservations in favour of the provincial or territorial government regarding the harvesting of timber, reservations restricting the use of navigable waters as may be necessary for fishery purposes, and/or reservations of a part of the property for roads;
(11) environmental Records of Site Condition for properties in Ontario;
(12) reciprocal, cost-sharing and shared facilities agreements between condominium corporations and/or developers of condominiums;
(13) second mortgages on purchase transactions where both the first and second mortgages are to the Bank;
(14) for properties in Nunavut, in addition to the items set out in Approved Exception (5) above, terms and conditions of the leasehold estate as set out in the lease, including:
i. reservations in favour of the Commissioner of Nunavut or the Commissioner of the Northwest Territories as set out in the lease, including reservations for:
a. mines and minerals found on, upon or under the land;
b. rights of recorded holders of mineral claims and any other claims or permits affecting the property;
c. timber that may be on the property;
d. the right to enter upon, work and remove any rock outcrop required for public purposes;
e. rights of way and rights of entry required under regulations in force in connection with construction, maintenance and use of works for the conveyance of water for use in mining operations; and
f. the right to enter the property for the purpose of installing and maintaining any public utility;
ii. rent payable by a condominium corporation as fixed by the Commissioner of Nunavut or the Commissioner of the Northwest Territories pursuant to the lease; and
iii. unregistered right of re-entry in favour of the Commissioner of Nunavut or the Commissioner of the Northwest Territories, its agents and assigns for the purpose of constructing, operating, maintaining, repairing, replacing or removing public utilities;
(15) any exception where the Bankís written instructions to the lawyer indicate that the Bank does not require the corresponding search or due diligence (e.g., Certificate of Approval/Use Permit/municipal or governmental approval of private septic system);
(16) incomplete building with open building permit, where the Bank is financing construction on the property; and
(17) existing tenancies, including any illegality or unenforceability of rent, where the Bankís written instructions to the lawyer indicate that the Bank is financing the property on the basis that the property is to be rented.

For any other potential Schedule ďAĒ exceptions, you must make an ďinsure overĒ request to LAWPRO. Do NOT approach the Bank for approval of any exceptions.

NOTICE: We regret that construction loan transactions by this lender are not eligible for TitlePLUS coverage unless you are retained to subsearch title prior to each advance.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Scotia Mortgage Corporation

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must: (a) write the following on Schedule "A" and sign it, assuming it is true: "The exceptions on this Schedule 'A' do not materially affect the marketability of title or materially impair the Bank's security", and (b) obtain lender approval in writing before releasing funds.

Yes

  • TitlePLUS Final Report must not include the registration number and date of registration. When sending the final Report to Mortgage Lender, include a re: line that states that the document is in fact a ďReport to Mortgage LenderĒ.
  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Name of insur. co., policy #, amount and expiry date
  • Survey,ifavailable
NOTE: Where the face principal amount of the mortgage is $250,000 or more and the property is not a condominium, you must provide a copy of the fire insurance policy or binder letter. If the property is a condominium, you must only provide the information set out in the chart above regardless of the principal amount of the mortgage.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Souris Credit Union Ltd.

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Prince Edward Island • Residential

Southwest Regional Credit Union Ltd.

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Ontario • Residential
• Commercial
• Farm

Sudbury Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

Superior North Community Development Corporation

Use the lender's own form of interim report

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

Follow the lender's own instructions.
• Ontario • Residential

Tangerine Bank

Not required unless includes non-approved exceptions.

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

No.

  • PAC Forms (if provided)
  • Disclosure docs (if provided)
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Ontario • Residential
• Commercial
• Farm
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential

Thamesville Community Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

Follow the lender's own instructions.
• Ontario • Residential

The Bank of Nova Scotia

Always

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must: (a) write the following on Schedule "A" and sign it, assuming it is true: "The exceptions on this Schedule 'A' do not materially affect the marketability of title or materially impair the Bank's security", and (b) obtain lender approval in writing before releasing funds.

Yes

  • TitlePLUS Final Report must not include the registration number and date of registration. When sending the final Report to Mortgage Lender, include a re: line that states that the document is in fact a ďReport to Mortgage LenderĒ.
  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Name of insur. co., policy #, amount and expiry date
  • Survey, if available
NOTE: Where the face principal amount of the mortgage is $250,000 or more and the property is not a condominium, you must provide a copy of the fire insurance policy or binder letter. If the property is a condominium, you must only provide the information set out in the chart above regardless of the principal amount of the mortgage.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

The Equitable Trust Company

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Alberta • Residential
• Manitoba • Residential
• Ontario • Residential
• Commercial
• Farm

The Royal Trust Company

Not required unless includes non-approved exceptions

The following are approved exceptions which do not need lender approval prior to release of funds:
(1) registered restrictions or covenants running with the land, provided there is no specific instance of non-compliance;
(2) minor easements for the supply of domestic utility or telephone services to the property or adjoining properties;
(3) easements for drainage, storm or sanitary sewers, public utility lines, telephone lines, cable television lines or other services which do not materially affect the present use of the property;
(4) ores, mines and/or mineral rights being reserved and/or excepted from title, or the ownership of the surface rights of the land being separated from the underlying ores, mines and/or mineral rights.
(5) terms and conditions of the leasehold estate, including the manner of using and enjoying the property, restrictions on the use of the property, rent payable under the lease, restrictions on subletting and assignment of the leasehold estate, and/or compliance with the terms and conditions of the lease regarding any option to purchase the property and/or renew the term of the leasehold estate;
(6) vacant land, including the absence of any improvements on the property or the existing zoning;
(7) builderís right of re-entry to correct grading and drainage and to complete obligations under the subdivision agreement;
(8) easements for access, mutual drives, walkways, and/or maintenance of adjoining properties;
(9) easements, rights and reservations in favour of mining companies that occur commonly in the District of Sudbury and other areas of northern and western Ontario;
(10) reservations in favour of the provincial or territorial government regarding the harvesting of timber, reservations restricting the use of navigable waters as may be necessary for fishery purposes, and/or reservations of a part of the property for roads;
(11) environmental Records of Site Condition for properties in Ontario;
(12) reciprocal, cost-sharing and shared facilities agreements between condominium corporations and/or developers of condominiums;
(13) second mortgages on purchase transactions where both the first and second mortgages are to the Bank;
(14) for properties in Nunavut, in addition to the items set out in Approved Exception (5) above, terms and conditions of the leasehold estate as set out in the lease, including:
i. reservations in favour of the Commissioner of Nunavut or the Commissioner of the Northwest Territories as set out in the lease, including reservations for:
a. mines and minerals found on, upon or under the land;
b. rights of recorded holders of mineral claims and any other claims or permits affecting the property;
c. timber that may be on the property;
d. the right to enter upon, work and remove any rock outcrop required for public purposes;
e. rights of way and rights of entry required under regulations in force in connection with construction, maintenance and use of works for the conveyance of water for use in mining operations; and
f. the right to enter the property for the purpose of installing and maintaining any public utility;
ii. rent payable by a condominium corporation as fixed by the Commissioner of Nunavut or the Commissioner of the Northwest Territories pursuant to the lease; and
iii. unregistered right of re-entry in favour of the Commissioner of Nunavut or the Commissioner of the Northwest Territories, its agents and assigns for the purpose of constructing, operating, maintaining, repairing, replacing or removing public utilities;
(15) any exception where the Bankís written instructions to the lawyer indicate that the Bank does not require the corresponding search or due diligence (e.g., Certificate of Approval/Use Permit/municipal or governmental approval of private septic system);
(16) incomplete building with open building permit, where the Bank is financing construction on the property; and
(17) existing tenancies, including any illegality or unenforceability of rent, where the Bankís written instructions to the lawyer indicate that the Bank is financing the property on the basis that the property is to be rented.

For any other potential Schedule ďAĒ exceptions, you must make an ďinsure overĒ request to LAWPRO. Do NOT approach the Bank for approval of any exceptions.

NOTICE: We regret that construction loan transactions by this lender are not eligible for TitlePLUS coverage unless you are retained to subsearch title prior to each advance.

Yes

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

The Toronto-Dominion Bank

Not required unless includes non-approved exceptions

The following are approved exceptions which do not need lender approval prior to release of funds:

(1) registered restrictions or covenants running with the land, provided there is no specific instance of non-compliance;

(2) minor easements for the supply of domestic utility or telephone services to the property or adjoining properties which do not materially affect the present use of the property;

(3) easements for drainage, storm or sanitary sewers, public utility lines, telephone lines, cable television lines, or other services which do not materially affect the present use of the property. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

No, unless specifically requested by lender

  • TD's customized final report [not TitlePLUS Final Report]
  • Pg.ii of TitlePLUS Schedule "A"
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
The post-closing Report must be faxed to the number provided by the Bank in your Instructions to Solicitor. Do not send any materials by mail.
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

United Ukrainian Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

Westminister Mortgage Inc.

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

Windsor Family Credit Union Limited

Not required unless includes non-approved exceptions

See Standard Approved Exceptions. For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

No

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
  • Insurance: Copy of binder or policy
• Ontario • Residential

XMC Mortgage Corporation

Not required unless includes non-approved exceptions.

The following are approved exceptions which do not need lender approval prior to release of funds:

1. registered restrictions or covenants running with the land, provided there is no specific instance of non-compliance;
2. minor easements for the supply of domestic utility or telephone services to the property or adjoining properties;
3. easements for drainage, storm or sanitary sewers, public utility lines, telephone lines, cable television lines or other services which do not materially affect the present use of the property; and
4. any illegality or unenforceability of the rents from the land resulting from a breach of any current or past law governing residential rents, and without limiting the generality of the foregoing, any obligation to make rent rebates to tenants or reduce the rents for the land.

For all other Schedule "A" exceptions, you must obtain lender approval before releasing funds.

Yes.

  • Dup. Reg. Mortgage or Proof of Registration (E-reg only)
  • Direction Re: Funds
  • PAC Forms (if provided)
  • Disclosure docs (if provided)
• Alberta • Residential
• British Columbia • Residential
• Manitoba • Residential
• New Brunswick • Residential
• Newfoundland and Labrador • Residential
• Nova Scotia • Residential
• Northwest Territories • Residential
• Nunavut • Residential
• Ontario • Residential
• Prince Edward Island • Residential
• Quebec • Residential
• Saskatchewan • Residential
• Yukon • Residential

Your Credit Union Limited

Follow the lender's own instructions.

None. Any exceptions to coverage (other than the lender's own mortgage) must be approved by the lender in advance of closing.

Follow the lender's own instructions.

  • Follow the lender's own instructions.
• Ontario • Residential
• Commercial
• Farm

iNOVA Credit Union Limited

Follow the lenderís own instructions.

None. Any exceptions to coverage (other than the lenderís own mortgage) must be approved by the lender in advance of closing.

Follow the lenderís own instructions.

  • Follow the lenderís own instructions.
• Nova Scotia • Residential
 
1 Notwithstanding the individual lender instructions in this chart, the Confirmation is always required to be sent where additional inquiries or verifications (that is, beyond those demanded by the TitlePLUS program) are requested by the lender or you are asking TitlePLUS to "insure over" any title problems/outstanding issues. Additional instructions/"insure over" requests must be set out in a schedule and attached to Confirmation.
2 An "approved exception" must be included in Schedule "A", but you do not need specific lender approval for it. Schedule "A" may also always include the lender's own mortgage and any related security documentation without the need for approval.
 
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