Financial relief and assistance is available. Below you will find information regarding mortgage payment relief and property tax deferrals.

COVID19 Relief

Mortgage Support

The Canada Mortgage and Housing Corporation (CMHC), Genworth Financial and Canada Guaranty, the three mortgage insurers in Canada, are working with lenders to assist homeowners who are experiencing financial difficulty. 

Mortgage Payment Deferal

Up to a 6 month payment deferral.

Special Payment Arrangements

Varies lender-to-lender.

Loan Re-Amortization

Taking the existing amortization, if space is available, and adding the in the time deferred. 

Capitalization of Interest/Expenses

It would vary lender-to-lender and be unique for each case.

Increased flexibility has been granted to Canadian Banks by the federal Government. This will allow payment deferrals to begin immediately. The support will include up to a 6-month payment deferral for mortgages and other relief on credit products.


Common Questions


If you have had your income directly impacted by COVID-19 and need immediate assistance because you are unable to make the upcoming mortgage payment(s) you should contact me or your lender. You will be offered up to 6 months payment relief.

Reduced Hours

If you have been financially impacted by COVID-19 but are still able to work, please reach out to myself or your lender before you risk missing a mortgage payment. Solutions are being offered on a case-by-case basis and there may be options for payment relief.


You may need to provide additional information and confirmation of lay-off so having that information ready. Lenders are prepared to work with you for a solution, including up to 6 months payment relief.


If you have general questions I encourage you to reach out and contact me before contacting your lender. Your questions are important and I can provide an answer without having added to the wait time for those who need immediate payment relief.


The Bank of Nova Scotia


Attain Mortgage

Attain Mortgage

Equitable Bank

Equitable Bank

First National Financial

First National

Lendwise Mortgages

Lendwise Mortgages

RMG Mortgages

RMG Mortgages

Marathon Mortgage Corp

Marathon Mortgage

League Savings And Mortgages

League Savings and Mortgage

TD Bank

TD Bank

B2B Bank

B2B Bank

Home Trust Company

Home Trust Company

Merix Financial

Merix Financial

National Bank of Canada

National Bank of Canada

Manulife Bank

Manulife Bank

Lifecycle Mortgage

LifeCycle Mortgage

Lender Contact Information

Toll-Free: (844) 204-2020


Please include your Mortgage Loan Number, Property Address, and next Payment Date in your email.

Toll-Free: (800) 263-8349 or (866)-334-4434

Toll-Free: (877) 895-3278

Toll-Free: (800) 465-2422

Toll-Free: (866) 407-0004

Toll-Free: (888) 488-0794

Toll-Free: (855) 270-3630

Toll-Free: (833) 204-7532


Please include your Mortgage Loan Number, Property Address, and next Payment Date in your email.

Toll-Free: (877) 637-7881


Please include your Mortgage Loan Number, Property Address, and next Payment Date in your email.

Toll-Free: (800) 268-6195

(855) 503-6060

Toll-Free: (866) 809-5800

Toll-Free: (877) 637-4911


Please include your Mortgage Loan Number, Property Address, and next Payment Date in your email.


Please include your Mortgage Loan Number, Property Address, and next Payment Date in your email.

Online Submission: Click Here

Toll-Free: (877) 416-7873

Online Submission: Click Here

Toll-Free: (888) 720-0075

Deferral Program

Municipal Property Tax

Municipalities are offering its residents financial relief.

City of St. John's

The City of St. John’s Tax Relief for Commercial and Residential Property Owners

From the City of St. John’s Website:

City Council is announcing a number of changes to reduce the tax burden on residents and businesses during these challenging times. Effective immediately, the City will not be charging interest on commercial and residential property taxes or water meter tax up to and including August 31, 2020.

This relief does not apply to Robin Hood Bay tipping fees, however the scheduled tipping fee increase from $67.60 to $75 has been delayed from April 1, 2020 to August 1, 2020.

“We recognize the pressure individuals and business owners are currently under and hope that deferring the need to pay tax for a six-month period will alleviate some of that burden,” explained Mayor Danny Breen.

To further alleviate the pressures, commercial property owners will see the vacancy allowance claim period extended. Claims for the first quarter normally due April 30, 2020 are not due until May 31, 2020. Finally, the commercial tax bills for the second quarter normally sent early May will now be sent in early June.

In order to keep taxpayers informed, bills will still be issued and sent, however taxpayers will automatically not be charged interest on late payments.

Tax payments can still be made online and through bank deduction. Some property owners have their tax and mortgage payments combined by their bank. If your taxes are paid through your bank and you need relief from your payments, you will need to contact your bank to discuss options.

 “We want to assure developers and residents that despite the current crisis, the City is still working to provide service and willing to assist with permit applications and other essential services, but for the safety of everyone, our contact with the public should and will be limited whenever possible to online or remote interactions,” said Mayor Breen.

On March 20, all City buildings including City Hall were closed to the general public. Up-to-date information about City programs and services is available at

City of Mount Pearl

The City of Mount Pearl, Tax Relief for Business and Residential Property Owners​

Media Release from the City of Mount Pearl: Mount Pearl, NL – March 25, 2020​

The City of Mount Pearl announced today that it will be waiving all interest on business tax, commercial property tax, residential tax, and water bills until September 30, 2020. The City is aiming to help offset some of the economic impact that has been felt by businesses and residents during this unprecedented COVID-19 pandemic.

“We want the businesses and residents of Mount Pearl to be focused on their health and not worry about whether they can pay their bills” said Mayor Dave Aker “We know this is a stressful time for everyone and we hope this offers some relief to our community.”

The coronavirus pandemic has disrupted business operations throughout the world, including those within the City of Mount Pearl. The tax deferral option is intended to help the City’s businesses during these difficult times and to hopefully increase employers’ access to cash so they can focus on paying employees, addressing debts and continuing operations.

The decision to waive interest will also provide immediate financial relief to the City’s residents, including families and vulnerable populations. The City will continue to set-up payment arrangements to anyone who requires them.

Tax bills will still be mailed at the usual time this summer, but taxpayers will not be charged interest on late payments prior to September 30th. Some property owners have their tax and mortgage payments
combined by their bank, in these cases individuals must contact their bank for options if relief is required.

For taxation inquiries, residents and businesses call 748-1000 or visit

For the most up-to-date information on the City of Mount Pearl’s response to COVID19, please visit:

Media Contact:
Lesley Williams
Marketing & Communications Officer

Town of Paradise

The Town of Paradise Property Tax Deferral and Payments​

From the Town of Paradise’s website:

Effective immediately, the Town is offering to defer all residential, commercial and business tax payments until the end of June, with no interest charged until June 30.

Tax payment deferral is also available for any residents who have already made arrangements for payment of taxes. If you have set-up pre-authorized debit payment or submitted post-dated cheques for payment of taxes and you would like to avail of tax deferral, complete the Tax Payment Deferral Form. (Note: you can complete the form on your computer, save it, and then submit via email). If the form is not submitted, payment plans will continue to be processed as planned.

If you do not have payment arrangements in place, you do not need to take any further action, the Town will not charge interest on taxes until June 30.

While the Town Hall is closed at this time, there are several ways you can pay property tax, full details are available on the Property Tax webpage:

  • Online Banking: Payments are accepted through online banking by adding the Town of Paradise as a payee on the bank website and quoting the account number which is found on the front of the municipal tax bill (Ex: ABCDE001). Please note this is not an interest-free form of payment.
  • Credit Card (Visa, Master Card and American Express), e-Transfer or PayPal: Payments can be completed online through PaySimply, our secure third-party provider, visit the portal to access the service. (Please note that PaySimply will charge you a convenience fee to cover payment handling and processing charges, this fee is not associated with the Town of Paradise and is paid directly to PaySimply.)
  • eServices: Payments can be received through the Town’s website through the eServices portal. Please visit the eServices page and follow the instructions to create an account and make payments.

Reach Out

Contact Me

Feel free to contact me anytime.


141 Torbay Rd. St. John's

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