Time-sensitive mortgage worksheet

Make a mortgage payment trouble action plan

Turn the actual notice, exact dates, current amounts, available funds, monthly cash position, and contact history into one printable plan. Use it to prepare for conversations with the mortgage provider, an independent lawyer, a financial counsellor, or a housing-support service.

Reviewed September 1, 2026General information and organization only

Do not calculate a legal deadline from a general webpage

Copy the exact date from the document in front of you and have an independent Ontario lawyer review the actual mortgage, notice, delivery or service history, registered interests, and procedural stage. A call, application, payment promise, refinance request, or this worksheet does not necessarily pause enforcement.

Private, on-device worksheet

Build the plan from your actual documents and numbers

Nothing entered here is submitted or saved. The plan uses only dates and amounts you enter; it does not infer a legal deadline or promise that an option is available.

Runs in your browser
1. Identify the stage and exact dates
2. Build a working immediate amount

Use current written figures. Enter an amount only once. This is a working total, not a lender payout, reinstatement quote, or legal calculation.

3. Test the regular monthly payment

This simple cash-flow screen does not replace financial advice or lender underwriting. It helps distinguish a one-time catch-up from an ongoing shortfall.

4. Keep a contact log

Record what was actually confirmed and the next date. Do not treat a voicemail, application, or payment promise as a pause unless the responsible party confirms it in writing.

Contact 1
Contact 2
Contact 3

Printable action plan

Your current mortgage payment trouble plan

Review every amount and date against the latest written information before sharing or acting.

Act before the payment is missedEarly contact creates more time to ask about tailored relief and compare the dollar impact before agreeing.No exact deadline entered. This is a calendar count from the dates entered, not a legal deadline calculation.
Current stageI expect trouble, but no payment has been missed
Mortgage providerNot entered
File referenceNot entered
Document receivedNot entered
Exact entered deadlineNot entered
Next payment dateNot entered
What changedNot entered
Working amount due$0Entered arrears, charges, and other housing arrears.
Verified funds now$0Funds entered as actually available.
Funds after working total$0Keep the next regular payment and essentials in view.
Monthly mortgage capacity$0Income minus entered essentials and other debt minimums.
Regular mortgage payment$0The payment entered above.
Monthly room after mortgage$0This is a simple screen, not a complete budget.

Prioritized actions

Today

  1. Contact the mortgage providerAsk for the current arrears, added fees and legal costs, the amount required now, the next scheduled action, and every deadline in writing.

  2. Do not rely on a verbal pause or promiseRequest written confirmation of any payment arrangement, relief review, extension, standstill, or enforcement pause, including its conditions and expiry.

  3. Preserve the complete recordKeep statements, notices, emails, texts, voicemails, payment receipts, courier records, registered-mail envelopes, and notes of every call in one place.

Next 2 business days

  1. Test whether the regular payment is sustainableA one-time catch-up does not solve an ongoing monthly shortfall. Ask for the payment, amortization, interest-cost, fees, and exit consequences of every written option.

Before the entered deadline or next review

  1. Check every property obligationConfirm whether property tax, condominium fees, insurance, utilities, or other registered debts are overdue or being added to the mortgage account.

  2. Compare written options by total consequenceCompare immediate cash required, future payment, total interest, amortization, fees, penalties, property equity, and the realistic exit—not only the new monthly payment.

Before signing or transferring anything

  1. Protect title, identity, and proceedsVerify mortgage professionals where licensing applies. Do not transfer title, redirect sale or refinance proceeds, or sign a rescue agreement without your own independent lawyer reviewing it.

Written request for the mortgage provider

Copy this into your own email or call notes. Add identifying information only in the channel you normally use with the provider.

Mortgage provider: please confirm the following in writing for my mortgage file:

1. The current mortgage balance, missed-payment or arrears amount, and calculation date.
2. Every default, legal, administration, property-tax, insurance, or other amount added or expected to be added.
3. The exact amount required now and what that payment would accomplish, if any cure, reinstatement, payout, or arrangement is available.
4. The next action you may take and every date or deadline I must meet.
5. Every relief or repayment option you will assess, its conditions, and its dollar impact on payments, total cost, fees, interest, and amortization.
6. Whether any review, application, payment promise, or proposed transaction pauses enforcement. I will not assume it does without written confirmation.
7. The name and direct contact information of the person or department handling the file.

Contact record

No contact notes entered yet.

Protect the printout.It may contain sensitive financial and legal information. Review it before sharing and store or destroy it securely.

What this resource is designed to do

  • Separate the immediate amount problem from the ongoing monthly-payment problem.
  • Keep exact user-entered dates visible without inferring a statutory deadline.
  • Create a prioritized record that can be printed and brought to a professional or service.
  • Ask for written amounts, costs, deadlines, relief consequences, and pause status.
  • Keep lender relief, verified funds, community help, financial counselling, financing, and voluntary sale planning as parallel routes when appropriate.

It does not decide the legal or financial solution.Availability, suitability, qualification, costs, rights, and deadlines depend on the actual mortgage, lender, documents, property, finances, and legal stage.

Official and independent help

FCAC's mortgage-relief expectations described here apply to banks and other federally regulated financial institutions in the circumstances set out in its guidance. Other lenders and contracts can differ.

Paying your mortgage when experiencing financial difficultiesFinancial Consumer Agency of CanadaContacting a federally regulated mortgage provider, tailored relief expectations, written cost impacts, and severe-financial-difficulty considerations.Mortgage payment deferralsFinancial Consumer Agency of CanadaWhy a deferral is temporary and can increase the mortgage balance, payment, amortization, and interest cost.Mortgages ActGovernment of OntarioOntario power-of-sale notice and service provisions. The actual mortgage, documents, service, registered interests, and procedural history still require legal review.Law Society Referral ServiceLaw Society of OntarioOntario residents can request a referral for an initial consultation of up to 30 minutes, subject to availability; legal work is not free.211: Help Starts Here211 OntarioProvince-wide navigation to government and community services based on location and circumstances.Mortgage brokering in OntarioFinancial Services Regulatory Authority of OntarioLicence checks, mortgage-brokerage complaints, and FSRA's role and limits.

Read the related Ontario guides

Mortgage payment difficultiesMortgage arrears and power of saleMortgage fraud warning signs

This resource does not contact a lender, submit an application, monitor a deadline, preserve legal rights, or replace legal, financial, insolvency, tax, or real-estate advice. Verify every changing fact at the linked source and every case-specific fact in the actual documents.