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1. Mortgage Insurance: Required when the loan-to-value ratio is above 80%, detailing CMHC or private mortgage insurance requirements

2. Guarantor Provisions: Included when there are third-party guarantors for the loan

3. Property Management: Required for income-producing properties or when property management is a key concern

4. Environmental Matters: Included for properties where environmental concerns exist or for commercial properties

5. Secondary Financing: Included when secondary financing is permitted or to explicitly prohibit it

6. Electronic Communication Agreement: Optional section for consent to electronic communications and documents

7. Cost Provisions: Detailed breakdown of additional costs, fees, and charges when applicable

1. Schedule A - Property Description: Legal description of the mortgaged property

2. Schedule B - Payment Schedule: Detailed amortization schedule showing payment breakdown

3. Schedule C - Prepayment Privileges: Detailed terms and calculations for prepayment options

4. Schedule D - Standard Charge Terms: Standard mortgage terms filed with land registry office

5. Schedule E - Insurance Requirements: Detailed insurance requirements and minimum coverage amounts

6. Schedule F - Cost Schedule: Breakdown of all fees, charges and costs associated with the loan

7. Appendix 1 - Property Tax Information: Details of property tax calculations and payment arrangements

8. Appendix 2 - Privacy Policy: Lender's privacy policy and information handling practices