This is a real example of a Notice of Sale Under Mortgage issued in Ontario, with personal details redacted. A lender must wait at least 15 days after default before serving this notice under the Mortgages Act, and it gives the homeowner a redemption period — typically 35 days — to bring the mortgage into good standing or pay it out before the lender can list the property for sale. The pages below show the standard wording, the amounts claimed, and how the deadline is presented.
To understand each section of this document and what to do if you receive one, see our guide: What is a Notice of Sale?
In the typical Ontario power of sale timeline, the Notice of Sale is the first formal document a homeowner receives, before any court filing. If the arrears are not paid within the redemption period, the next documents are usually a Statement of Claim and, eventually, a Writ of Possession. The highlighted placeholders in this example replace the borrower’s personal details; everything else is exactly how these notices arrive in the mail — often by registered mail from the lender’s law firm. Even at this early stage, options such as refinancing, a second mortgage, or negotiating with the lender remain fully available.
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