Mortgage Discharge
Close your real estate transaction with confidence. Available for virtual and in-person closing, we bring legal expertise to you in the most convenient and affordable way.

Mortgage loans secured by property give lenders the legal right to prevent you from buying, selling, or refinancing your home. Unless you arrange an assumable mortgage when you sell your home, discharging mortgages is a legal necessity. Note that only a lawyer licensed by the Law Society of Ontario can discharge mortgages in Ontario.
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Click on ‘Get Started’ button to receive a quote from us. If you decide to proceed, our customer care team will reach out to you within minutes to discuss the next steps.
You will receive a secure intake link in your inbox to submit your closing documents. After receiving your documents, we will work with the lender to prepare for closing while keeping you informed at all times.
At a consultation meeting with an Axess Law, we will need originals or certified true copies.
You can email us the documents if you opt for an online appointment.
Axess Law’s real estate lawyers discharge mortgages by arranging with your lender to pay off outstanding amounts and accompanying debts. Mortgage discharges release collateral your lender is holding to secure your debt. Removing a mortgage lender and “mechanic’s liens” — financial obligations like contractor’s liens or creditor’s debts — from title to your home or land is required before you can sell or transfer it to others. Requesting the mortgage payoff amount from your lender will show you the mortgage balance, daily interest, and expiration date of your mortgage. Axess Law uses that information to prepare a discharge of mortgage document and witness your signature to it. You receive a mortgage paid in full letter from your lender, while Axess Law files your discharge with a local land registry office.
Discharge your mortgage at the end of its life, when you change lenders, or when you sell land or homes in Ontario.
Discharging your mortgage to get a better rate elsewhere? The next question is what type to choose:
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