Information on where to find mortgage instructions and discharge statements

Portal Providers for Mortgage Instructions and Discharge Statements at Lenders
Bank Portal provider for mortgage instructions Portal provider for discharge statements

BMO

Telus

Telus

CIBC

CIBC:

Telus Assyst.

Simplii:

TELUS for purchases. Internal for refis and switches handled by individual solicitors.  This will be moving to FNF for all scenarios this year.

CIBC:

No external portal at present.

Simplii:

Internal moving to TELUS with Teranet as their sub this fiscal.

Canadian Western Bank

CWB:

We occasionally use FCT (primarily for Optimum Mortgage), but the majority of our instructions are sent by encrypted email to the solicitors.

Optimum Mortgage:

FCT and our own services

CWB:

FCT and West Coast Title Search (used sometimes for BC) – no other portals are used; we prepared discharge statements in-house and send to the solicitor/land titles

Optimum Mortgage:

Our own services

Coast Capital Savings

For mortgage transactions using FCT we use the FCT Portal, otherwise non FCT mortgage instructions are sent via email

Atsource (a Dye & Durham solution)

Equitable Bank

FCT

We handle internally

Home Trust

Telus Assyst Real Estate

N/A

HSBC

No portal used

No portal used

Manulife

FNF and FCT

FNF and FCT

RBC

Our mortgage instructions are provided through the TELUS ASSYST PORTAL and via fax.

Today we fulfill payout statement and discharge or transfer requests through the FCT Payout Services program within the FCT LLC PORTAL and via fax. As part of RBC’s commitment to providing you with more efficient servicing of requests, we are working towards a future where RBC will no longer require faxed or emailed requests for payout statements and/or discharge/transfer requests.

Note that there is no cost to use the FCT LLC portal for discharge/payouts.

Scotiabank

FCT and Telus

FCT

TD

TD uses three portals for mortgage instructions:

Telus

Lawyer Lender Connect (LLC – a division of FCT)

Lawyer Done Deal (LDD)

At this time, TD does not have a portal for discharge statements. Lawyers send their Discharge statements requests via Fax.

WealthOne

FCT

WealthONE does not use a portal provider to handle discharge statements. Discharge statements are created in house.

Last updated: November 22, 2021