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Deed Of Reconveyance

Deed Of Reconveyance Template for Canada

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Deed Of Reconveyance

"I need a Deed of Reconveyance for a residential property in Ontario, Canada, to be filed electronically with the Land Title Office in March 2025, following full payment of a mortgage held by Royal Bank of Canada."

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Document background
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.
Suggested Sections

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

Optional Sections

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

Suggested Schedules

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

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
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