- The first step to get a mortgage removed from your title is to look through all documentation you have received from the lender.
- Look for a document called a discharge.
- If you find this form, bring it into land titles for registration.
- If the lender has not given you a discharge, or has but you have lost it, contact the lender as soon as possible and ask for another discharge form.
- This then should be brought into land titles as soon as possible for registration.
If you are unable to find the lender, or the lender refuses to give you a discharge you have two options.
- The first option is to make an application to the Registrar-General of land titles (this is the person in charge of all land titles for the province of Manitoba) for an order discharging the mortgage.
- This application is made using the land titles Request/Transmission form.
- You must attach to this form all the proof that you can find that the mortgage has in fact been paid in full. As this is a complicated process we advise you to get legal assistance.
- If the Registrar-General is satisfied that the mortgage has been paid off, and that it should be discharged, he or she will order it discharged.
- If you do not want to make application to the Registrar-General, or you have made such an application and have been refused, you must go to court for an order of the court.
- As this is a very complicated legal process, land titles can provide no assistance and advises you to talk to a lawyer.