{"id":38601,"date":"2020-03-30T11:06:04","date_gmt":"2020-03-30T15:06:04","guid":{"rendered":"https:\/\/www.northeastmortgages.ca\/?p=38601"},"modified":"2021-04-01T19:04:10","modified_gmt":"2021-04-01T17:04:10","slug":"mortgage-payment-deferrals","status":"publish","type":"post","link":"https:\/\/www.nordest.ca\/blogue\/en\/mortgage-payment-deferrals\/","title":{"rendered":"Mortgage Payment Deferrals"},"content":{"rendered":"<p style=\"text-align: center;\">\n<h1 style=\"text-align: center;\"><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Mortgage Payment Deferrals<\/span><\/span><\/strong><\/h1>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">* Taken directly from the website of each financial institution<\/span><\/span><\/span><\/p>\n<p style=\"text-align: center;\">\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<p><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">First National<\/span><\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here: <\/span><\/span><\/span><a href=\"https:\/\/mymortgage.firstnational.ca\/Account\/PaymentDeferral?languagecode=en-ca\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/mymortgage.firstnational.ca\/Account\/PaymentDeferral?languagecode=en-ca<\/span><\/span><\/span><\/a><\/p>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Keeping you informed: COVID-19<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Updated March 27, 2020<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">The health and safety of our employees and customers is of the utmost importance. <\/span><span style=\"vertical-align: inherit;\">As the situation around COVID-19 continues to evolve, we want to let you know that First National Financial LP (\u201cFirst National\u201d) is closely monitoring the situation.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you are experiencing financial hardship due to COVID-19 and need to request a mortgage payment deferral, please submit a payment deferral request through <\/span><\/span><\/span><a href=\"https:\/\/mymortgage.firstnational.ca\/\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">My Mortgage<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> or fill out our <\/span><\/span><\/span><a href=\"https:\/\/mymortgage.firstnational.ca\/Account\/PaymentDeferral?languagecode=en-ca\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">online mortgage payment deferral request form<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">As we continue to make every effort to protect your privacy, we need to be able to clearly identify you from your inquiry. <\/span><span style=\"vertical-align: inherit;\">Please ensure to include your full name, mortgage number, property address and how you&#8217;ve been impacted by COVID-19 in your message to us or we will not be able to respond to your request.\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Here is how we will continue to support you.<\/span><\/span><\/span><\/p>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">My Mortgage &#8211; available to you 24\/7<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You can continue to manage your mortgage online, 24\/7 through My Mortgage by First National. <\/span><span style=\"vertical-align: inherit;\">With <\/span><\/span><\/span><a href=\"https:\/\/www.firstnational.ca\/residential\/my-mortgage\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">My Mortgage<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> you can:<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Track your mortgage details<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Review your mortgage account<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Manage your mortgage payments<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Update your contact information<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Access mortgage tools<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">New to My Mortgage? <\/span><span style=\"vertical-align: inherit;\">Registering is easy. <\/span><span style=\"vertical-align: inherit;\">Learn how <\/span><\/span><\/span><a href=\"https:\/\/youtu.be\/g8eZujGIYwo\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">here<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/p>\n<p><a href=\"https:\/\/www.firstnational.ca\/residential\/covid-19\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.firstnational.ca\/residential\/covid-19<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Canadian Imperial Bank of Commerce<\/span><\/span><\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here: <\/span><\/span><\/span><a href=\"https:\/\/www.cibc.com\/en\/personal-banking\/advice-centre\/covid-19\/requesting-financial-assistance.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.cibc.com\/en\/personal-banking\/advice-centre\/covid-19\/requesting-financial-assistance.html<\/span><\/span><\/span><\/a><\/p>\n<h1><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Meeting your needs in challenging times<\/span><\/span><\/span><\/h1>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">During these challenging times, we&#8217;re committed to maintaining a high level of banking access and support, providing expert advice and protecting our team and you. <\/span><span style=\"vertical-align: inherit;\">This includes keeping you informed of the actions we&#8217;re taking on behalf of our clients and employees.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We&#8217;re also furthering financial assistance to help clients who may be facing hardship as a result of COVID-19. <\/span><span style=\"vertical-align: inherit;\">To help answer your questions, check our <\/span><\/span><\/span><a href=\"https:\/\/www.cibc.com\/en\/personal-banking\/advice-centre\/covid-19\/financial-relief-faq.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">COVID-19 Financial Relief FAQ<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Due to an extremely high volume of calls, we encourage those who are experiencing financial hardship to first complete our <\/span><\/span><\/span><a href=\"https:\/\/www.cibc.com\/en\/modals\/personal-banking\/financial-assistance\/personal-banking-financial-assistance-modal.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">financial assistance form<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">. <\/span><span style=\"vertical-align: inherit;\">Clients who have completed the online form will receive a follow-up email from the CIBC Advisory Team.\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If your situation requires immediate attention, such as having a payment due in the next 48 hours, please contact your CIBC advisor or call <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">1-877-454-9030.<\/span><\/span><\/span><\/p>\n<p><a href=\"https:\/\/www.cibc.com\/en\/personal-banking\/advice-centre\/covid-19\/financial-assistance.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Learn more<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Bank of Montreal<\/span><\/span><\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here:\u00a0 <\/span><\/span><\/span><a href=\"https:\/\/www.bmo.com\/main\/personal\/financial-relief-request-form\/\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.bmo.com\/main\/personal\/financial-relief-request-form\/<\/span><\/span><\/span><\/a><\/p>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">COVID-19: Requesting financial relief<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We understand this is a difficult time for you and we care about your personal and financial well-being.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">BMO has introduced a financial relief program for those impacted by COVID-19. <\/span><span style=\"vertical-align: inherit;\">We have flexible financial relief options available to our personal and business banking customers.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">To help you with immediate relief, we offer up to a 6-month payment deferral on loans, cards, and lines of credit with no fee (your payment will be deferred but interest will continue to increased) and no changes to the terms of your BMO account.<\/span><\/span><\/span><\/p>\n<h3><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Here are your next steps:<\/span><\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you are concerned you are going to miss a payment, please sign in to <\/span><\/span><\/span><a href=\"https:\/\/www1.bmo.com\/onlinebanking\/cgi-bin\/netbnx\/NBmain?product=5\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">BMO Online Banking<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> and send your request through our safe and secure Message Center. <\/span><span style=\"vertical-align: inherit;\">We commit to getting back to you as soon as possible.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">* <\/span><\/span><\/span><i><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">For customers with no access to Online banking, please complete our <\/span><\/span><\/span><\/i><a href=\"https:\/\/www.bmo.com\/main\/personal\/financial-relief-request-form\/\"><i><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">online form.<\/span><\/span><\/span><\/i><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We appreciate your patience as we work to help every customer during this time.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">___________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Royal Bank of Canada<\/span><\/span><\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here:\u00a0 <\/span><\/span><\/span><a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/skip-a-payment.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.rbcroyalbank.com\/mortgages\/skip-a-payment.html<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Skip-A-Payment<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">IMMEDIATE FINANCIAL RELIEF:<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you require immediate financial relief, we encourage clients to log into Online Banking and use our self-serve tools. <\/span><span style=\"vertical-align: inherit;\">If you wish to skip a mortgage payment, follow these steps:<\/span><\/span><\/span><\/p>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Sign into <\/span><\/span><\/span><a href=\"https:\/\/www1.royalbank.com\/cgi-bin\/rbaccess\/rbunxcgi?F6=1&amp;F7=IB&amp;F21=IB&amp;F22=IB&amp;REQUEST=ClientSignin\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Online Banking<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<ol>\n<li style=\"list-style-type: none;\">\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">From the Account Summary page, select your mortgage account.<\/span><\/span><\/span><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Select the Skip a Payment link at the bottom of the page and follow the instructions.<\/span><\/span><\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Longer term financial relief (up to 6 months)<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">RBC is committed to helping our clients during these unprecedented times, which includes up to six months of mortgage payment relief. <\/span><span style=\"vertical-align: inherit;\">Please connect with one of our advisors using our <\/span><\/span><\/span><a href=\"https:\/\/www.rbcroyalbank.com\/book-an-appointment\/book-an-appointment.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">online booking tool<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> for advice and support to help meet your financial needs.<\/span><\/span><\/span><\/p>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">What you need to know:<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You will still be responsible for paying your usual creditor insurance premiums and property tax installments, where applicable.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">There is no fee to skip a payment. <\/span><span style=\"vertical-align: inherit;\">When you skip a payment, the interest on the skipped payment is added to your outstanding balance and interest is charged on that amount. <\/span><span style=\"vertical-align: inherit;\">This means your mortgage balance will increase. <\/span><span style=\"vertical-align: inherit;\">Your payments won&#8217;t change during the term of your mortgage. <\/span><span style=\"vertical-align: inherit;\">Instead, at renewal your monthly payment amount increases to account for the higher balance. <\/span><span style=\"vertical-align: inherit;\">When you skip a payment you must still pay the portion of your payment that covers your property taxes and HomeProtector Insurance Premium, if applicable.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Note: Using Skip-a-payment may significantly increase your interest costs over the life of your mortgage, so it&#8217;s important to carefully evaluate your financial situation and priorities before exercising this option. <\/span><\/span><\/span><a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/widgets\/skip-a-payment\/index.html?&amp;payment=1200\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Try our calculator<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> to find out what it could cost.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you wish, you can repay your skipped payment anytime during the term of your mortgage. <\/span><span style=\"vertical-align: inherit;\">If you have made double-up payments during the term of your mortgage, you have the option to skip an equal amount of payments.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">National Bank of Canada<\/span><\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here:\u00a0<a href=\"https:\/\/www.nbc.ca\/covid-19\/support-measures.html\">https:\/\/www.nbc.ca\/covid-19\/support-measures.html<\/a><\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Your request<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">A mortgage payment deferral is intended to support you in the event that COVID-19 affects your finances. <\/span><span style=\"vertical-align: inherit;\">This solution allows you to defer your regular payments (principal and interest) for 1, 2, or 3 months, depending on your situation. <\/span><span style=\"vertical-align: inherit;\">Certain conditions apply.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Important!\u00a0<\/span><\/span><\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Deferred payments are added to the loan balance and accumulate interest.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You must also continue to pay the other costs included in your regular payments such as administration fees, property taxes, and life, critical illness and disability insurance, if applicable.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Before getting started:<\/span><\/span><\/b><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You will need your mortgage number (found on your contract or in your online bank).<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Once submitted, your application will be processed within 5 business days. <\/span><span style=\"vertical-align: inherit;\">If your application is accepted and a payment is due within the waiting period, the payment will go through as usual. <\/span><span style=\"vertical-align: inherit;\">The deferral will begin with the next payment.<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We will contact you if your application is not eligible. <\/span><span style=\"vertical-align: inherit;\">If we do not contact you within 5 business days of submitting your request, it means that your application has been accepted and your payments will be deferred for the selected period.<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If your mortgage payments are already late, if you hold an All-in- <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">OneTM <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">home equity line of credit, or if this solution does not respond to your needs, contact us at 1-888-286-8799.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">TD Canada Trust<\/span><\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply through your easyweb portal by clicking here: <\/span><\/span><\/span><a href=\"https:\/\/authentication.td.com\/uap-ui\/index.html?consumer=easyweb&amp;locale=en_CA#\/login\/easyweb-getting-started\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/authentication.td.com\/uap-ui\/index.html?consumer=easyweb&amp;locale=en_CA#\/login\/easyweb-getting-started<\/span><\/span><\/span><\/a><\/p>\n<h1><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">An update on COVID-19 and how we&#8217;re ready to help<\/span><\/span><\/span><\/h1>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Stay up to date on the latest here.<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">With your health in mind, many branches will be temporarily closed and all are operating under reduced hours effective March 19. Effective immediately, all branches will be temporarily closed on Sundays. <\/span><span style=\"vertical-align: inherit;\">Please use the <\/span><\/span><\/span><a href=\"https:\/\/www.td.com\/ca\/en\/personal-banking\/branch-locator\/\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">branch locator<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> to find out which branches are closed and to find alternative locations. <\/span><span style=\"vertical-align: inherit;\">Please note that changes to branch operations continue to develop, so be sure to check back.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We&#8217;re available 24 hours a day, seven days a week through Green Machine ATMs, EasyLine Telephone Banking or EasyWeb Online banking and the TD App.<\/span><\/span><\/span><\/p>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Mortgage Payment Deferral<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you are experiencing financial hardship, you can request to defer the equivalent of up to six monthly payments. <\/span><span style=\"vertical-align: inherit;\">Please note that by deferring mortgage payments, you are not paying the mortgage principal, and interest will be capitalized (ie it will be added to the outstanding mortgage balance so your balance will increase). <\/span><span style=\"vertical-align: inherit;\">It&#8217;s important that you understand this impact.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">To complete the Mortgage Payment Deferral Form click &#8220;Apply now&#8221; below. <\/span><span style=\"vertical-align: inherit;\">You will first be directed to the EasyWeb login page and asked to log in with your EasyWeb credentials. <\/span><span style=\"vertical-align: inherit;\">You will receive an email response notifying you of the outcome of your application. <\/span><span style=\"vertical-align: inherit;\">If you are not currently registered for EasyWeb, <\/span><\/span><\/span><a href=\"https:\/\/easyweb.td.com\/waw\/esr\/selfRegistration.htm\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">register online today<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply now<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<p><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Scotia Bank<\/span><\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here: <\/span><\/span><\/span><a href=\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/scotia-support\/latest-updates\/scotia-support\/mortgage-payment-relief.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.scotiabank.com\/ca\/en\/personal\/scotia-support\/latest-updates\/scotia-support\/mortgage-payment-relief.html<\/span><\/span><\/span><\/a><\/p>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Request Mortgage Payment Relief\u00a0<\/span><\/span><\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Scotiabank is here to help you navigate this uncertain time. <\/span><span style=\"vertical-align: inherit;\">We will be working with our customers on a case-by-case basis to make sure you find solutions that will help address financial hardships caused by COVID-19.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you would like to request a mortgage payment deferral, please fill out this form to start the process. <\/span><span style=\"vertical-align: inherit;\">With a mortgage payment deferral, you can skip your payments (principal, interest and property taxes if applicable) for up to 6 months. <\/span><span style=\"vertical-align: inherit;\">During this time, interest is increased to the outstanding balance of the mortgage and incorporated into your payments once they resume. <\/span><span style=\"vertical-align: inherit;\">It&#8217;s important to note, a mortgage payment deferral is different than mortgage forgiveness. <\/span><span style=\"vertical-align: inherit;\">To view the terms and conditions for mortgage deferrals, please <\/span><\/span><\/span><a href=\"https:\/\/www.scotiabank.com\/ca\/en\/personal\/scotia-support\/latest-updates\/scotia-support\/mortgage-payment-relief\/terms-and-conditions.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">click here<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You are eligible for a mortgage payment deferral if:<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You, or any member of your family, has become unemployed or experiences a material reduction in income due to COVID-19.<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You have an insured or uninsured mortgage with Scotiabank.<\/span><\/span><\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">A mortgage payment deferral is available for customers experiencing financial hardship on a case-by-case basis. <\/span><span style=\"vertical-align: inherit;\">You should contact us as the need for help arises.\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you would like to request a mortgage payment deferral, complete the form below. <\/span><span style=\"vertical-align: inherit;\">Please submit <\/span><\/span><\/span><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">one form per mortgage <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">deferral request. <\/span><span style=\"vertical-align: inherit;\">We will contact you by email to confirm next steps.\u00a0\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">MCAP<\/span><\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply through your MyMCAP Portal: <\/span><\/span><\/span><a href=\"https:\/\/mcap.entrez.ca\/Home\/Index\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/mcap.entrez.ca\/Home\/Index<\/span><\/span><\/span><\/a><\/p>\n<h2><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">COVID-19 Update: Skip-A-Payment Program<\/span><\/span><\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Given recent global events, MCAP understands that these may be difficult times for Homeowners. <\/span><span style=\"vertical-align: inherit;\">In order to provide some assistance, MCAP wishes to highlight that under the terms of your mortgage, you may defer, or Skip-A-Payment * at any time subject to certain conditions. <\/span><span style=\"vertical-align: inherit;\">Should you elect to Skip-A-Payment, MCAP will waive any applicable fees and this will not impact your credit rating.\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">The foregoing is applicable to any MCAP and RMG branded mortgages.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you would like to know more about our Skip-A-Payment program, <\/span><\/span><\/span><a href=\"https:\/\/www.mcap.com\/covid-19\"><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">click here<\/span><\/span><\/b><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> , or login to <\/span><\/span><\/span><a href=\"https:\/\/mcap.entrez.ca\/Home\/Index\"><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">MyMCAP<\/span><\/span><\/b><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> and submit a Skip-A-Payment request from the self service options menu.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">At this time, we are experiencing high call volumes, however, every Homeowner will be helped.<\/span><\/span><\/span><\/p>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Rest assured we will get to you as soon as we can.<\/span><\/span><\/b><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">B2B Bank<\/span><\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here: <\/span><\/span><\/span><a href=\"http:\/\/mkto-a0326.com\/hDHggfH00F000VU8q030TO4\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">b2bbank.com\/covid19<\/span><\/span><\/span><\/a><\/p>\n<h1><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">COVID-19<\/span><\/span><\/b><\/h1>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Last updated: March 24, 2020 &#8211; 12 pm ET<\/span><\/span><\/span><\/p>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Jump to:\u00a0 <\/span><\/span><\/b><a href=\"https:\/\/b2bbank.com\/covid19?mkt_tok=eyJpIjoiWldFek1EUXpORGxrTWpJMCIsInQiOiJLQ00xS0k5U3dlbTAwS1hyYjRaVnkrU2FPQitodERmQmJEK3VQNHZTQnM2bTBVRXVkeEVYajBBOG9UQkJjRjlnTkhmUFYwd25cL3BvSjlzSFJQb01URHdvNDd5Y3dWbVFlcFBRODE2NHJZZVNOTkN2bk9zWlNhQ1BmU1d6aFZ4QkYifQ%3D%3D#latest-updates\"><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Latest updates<\/span><\/span><\/b><\/a><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> &#8211; <\/span><\/span><\/b><a href=\"https:\/\/b2bbank.com\/covid19?mkt_tok=eyJpIjoiWldFek1EUXpORGxrTWpJMCIsInQiOiJLQ00xS0k5U3dlbTAwS1hyYjRaVnkrU2FPQitodERmQmJEK3VQNHZTQnM2bTBVRXVkeEVYajBBOG9UQkJjRjlnTkhmUFYwd25cL3BvSjlzSFJQb01URHdvNDd5Y3dWbVFlcFBRODE2NHJZZVNOTkN2bk9zWlNhQ1BmU1d6aFZ4QkYifQ%3D%3D#faqs\"><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">FAQs<\/span><\/span><\/b><\/a><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> &#8211; <\/span><\/span><\/b><a href=\"https:\/\/b2bbank.com\/covid19?mkt_tok=eyJpIjoiWldFek1EUXpORGxrTWpJMCIsInQiOiJLQ00xS0k5U3dlbTAwS1hyYjRaVnkrU2FPQitodERmQmJEK3VQNHZTQnM2bTBVRXVkeEVYajBBOG9UQkJjRjlnTkhmUFYwd25cL3BvSjlzSFJQb01URHdvNDd5Y3dWbVFlcFBRODE2NHJZZVNOTkN2bk9zWlNhQ1BmU1d6aFZ4QkYifQ%3D%3D#quick-info\"><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Quick Info<\/span><\/span><\/b><\/a><\/p>\n<h2><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We stand prepared and ready to help<\/span><\/span><\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Like you, we&#8217;ve been closely monitoring the unique and ever-changing global health crisis. <\/span><span style=\"vertical-align: inherit;\">Our thoughts and well wishes are with those affected by the outbreak of the coronavirus, COVID \u2011 19.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We are committed to being there for you, our customer, regardless of how the situation unfolds and our team stands at the ready to support you. <\/span><span style=\"vertical-align: inherit;\">You rely on us for your everyday financial needs and we will continue to provide access to the important services you count on.<\/span><\/span><\/span><\/p>\n<h2><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Latest updates<\/span><\/span><\/b><\/h2>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">High call volumes: <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">wait times are currently longer than usual. <\/span><span style=\"vertical-align: inherit;\">These are unprecedented times, which have resulted in very high call volumes. <\/span><span style=\"vertical-align: inherit;\">We recognize that your wait time will be longer than normal and appreciate your patience and understanding. <\/span><span style=\"vertical-align: inherit;\">If you are not calling about an urgent need, like a payment due within the next few days, we ask that you wait a few days before contacting us so we can assist all our clients as efficiently as possible.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Clients with Online Banking access can also send us a message through the <\/span><\/span><\/span><a href=\"https:\/\/onlinebanking.b2bbank.com\/RetailB2B\/servletcontroller?lang=en\"><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Online Banking<\/span><\/span><\/b><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> messaging center.<\/span><\/span><\/span><\/p>\n<p><a href=\"https:\/\/www.laurentianbank.ca\/sn_uploads\/fck\/pdf\/20200318_COVID19_Support_to_Clients_02.pdf\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Measures to support our Personal and Business customers<\/span><\/span><\/span><\/a><\/p>\n<p><a href=\"https:\/\/b2bbank.com\/en\/special-message\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Read the message from President and CEO Fran\u00e7ois Desjardins<\/span><\/span><\/span><\/a><\/p>\n<h2><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You have questions, we&#8217;re here for you<\/span><\/span><\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">These are unprecedented times and we&#8217;re already experiencing a high number of inquiries. <\/span><span style=\"vertical-align: inherit;\">We appreciate your patience. <\/span><span style=\"vertical-align: inherit;\">To quickly answer some of your immediate questions, we&#8217;ve prepared these FAQs.<\/span><\/span><\/span><\/p>\n<p><a href=\"https:\/\/b2bbank.com\/covid19?mkt_tok=eyJpIjoiWldFek1EUXpORGxrTWpJMCIsInQiOiJLQ00xS0k5U3dlbTAwS1hyYjRaVnkrU2FPQitodERmQmJEK3VQNHZTQnM2bTBVRXVkeEVYajBBOG9UQkJjRjlnTkhmUFYwd25cL3BvSjlzSFJQb01URHdvNDd5Y3dWbVFlcFBRODE2NHJZZVNOTkN2bk9zWlNhQ1BmU1d6aFZ4QkYifQ%3D%3D#General\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">General<\/span><\/span><\/span><\/a><\/p>\n<p><a href=\"https:\/\/b2bbank.com\/covid19?mkt_tok=eyJpIjoiWldFek1EUXpORGxrTWpJMCIsInQiOiJLQ00xS0k5U3dlbTAwS1hyYjRaVnkrU2FPQitodERmQmJEK3VQNHZTQnM2bTBVRXVkeEVYajBBOG9UQkJjRjlnTkhmUFYwd25cL3BvSjlzSFJQb01URHdvNDd5Y3dWbVFlcFBRODE2NHJZZVNOTkN2bk9zWlNhQ1BmU1d6aFZ4QkYifQ%3D%3D#Mortgages\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Mortgages<\/span><\/span><\/span><\/a><\/p>\n<p><a href=\"https:\/\/b2bbank.com\/covid19?mkt_tok=eyJpIjoiWldFek1EUXpORGxrTWpJMCIsInQiOiJLQ00xS0k5U3dlbTAwS1hyYjRaVnkrU2FPQitodERmQmJEK3VQNHZTQnM2bTBVRXVkeEVYajBBOG9UQkJjRjlnTkhmUFYwd25cL3BvSjlzSFJQb01URHdvNDd5Y3dWbVFlcFBRODE2NHJZZVNOTkN2bk9zWlNhQ1BmU1d6aFZ4QkYifQ%3D%3D#HISA\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">HISA<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<p><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Gardens<\/span><\/span><\/strong><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Contact: 1 800 CAISSES (1 800 224-7737)<\/span><\/span><\/span><\/p>\n<h1><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Relief measures for personal members and clients<\/span><\/span><\/span><\/h1>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Important message<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">To better serve our members and clients, we&#8217;re prioritizing urgent requests (payments due in the <\/span><\/span><\/span><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">next 7 days <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">).<\/span><\/span><\/span><\/p>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">For all other requests <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">, please call us within 7 days of the payment you&#8217;d like to defer. <\/span><span style=\"vertical-align: inherit;\">Thank you for your understanding.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Given the COVID-19 pandemic, we&#8217;ve implemented exceptional measures to help our members and clients and address their needs.<\/span><\/span><\/span><\/p>\n<h2><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Personal members and clients impacted by the COVID-19 pandemic<\/span><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Personal members and clients who are having trouble repaying their loans can reach out to Desjardins to discuss their options. <\/span><span style=\"vertical-align: inherit;\">We&#8217;ll review each request on a case-by-case basis.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Solutions for members and clients could go as far as <\/span><\/span><\/span><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">payment relief for all their financing products <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u2014an option that wouldn&#8217;t negatively impact their credit rating.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We&#8217;ll also review credit applications on a case-by-case basis and offer support to members and clients who need quick access to cash.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We may expand these measures depending on how the situation evolves.<\/span><\/span><\/span><\/p>\n<h3><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Members and clients who are eligible for these measures<\/span><\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Measures may be applied on a case-by-case basis for each member or client.<\/span><\/span><\/span><\/p>\n<h4><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Members and clients who have contracted COVID-19<\/span><\/span><\/span><\/h4>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Unable to work due to the virus<\/span><\/span><\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Members and clients negatively impacted by COVID-19<\/span><\/span><\/span><\/h4>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Quarantined<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Unable to go to work because of travel restrictions<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Lost their job or are temporarily laid off<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Other reasons closely related to COVID-19<\/span><\/span><\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Some products the exceptional measures apply to<\/span><\/span><\/span><\/h3>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Credit cards, Accord D financing and automobile and durable goods financing (ADGF)<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Consumer loans \/ lines of credit (including Student Advantage and Student Strategic lines of credit) and uninsured mortgages<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Insured mortgages <\/span><\/span><\/span><span style=\"vertical-align: inherit;\"><b><span style=\"vertical-align: inherit;\">CMHC <\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\">CMHC is Allowing payment deferrals for up to 6 months. <\/span><\/span><b><span style=\"vertical-align: inherit;\">Genworth <\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\">Borrowers who qualify under the internal guidelines of lenders and the Homeowner Assistance Program will get up to 6 months of relief beginning March 16, 2020.<\/span><\/span><\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b><\/b><b><br \/>\n<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><b><\/b><b><br \/>\n<\/b><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Student loans <\/span><\/span><\/span><span style=\"vertical-align: inherit;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\">As announced by the <\/span><\/span><a href=\"https:\/\/www.quebec.ca\/en\/education\/student-financial-assistance\/repayment\/repayment-student-debt\/\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\">Quebec government<\/span><\/span><\/a><\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.quebec.ca\/en\/education\/student-financial-assistance\/repayment\/repayment-student-debt\/\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">\u00a0&#8211; External link. <\/span><span style=\"vertical-align: inherit;\">This link will open in a new window.<\/span><\/span><\/span><\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">, payments on all government student loans will be suspended for 6 months beginning April 1, 2020. During this period, no new interest will be added to your loan. <\/span><span style=\"vertical-align: inherit;\">These relief measures apply even if your account is in collection. <\/span><\/span><\/span><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">There is nothing you need to do. <\/span><span style=\"vertical-align: inherit;\">The relief measures will kick in automatically.<\/span><\/span><\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">HomeTrust<\/span><\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here: <\/span><\/span><\/span><a href=\"https:\/\/www.hometrust.ca\/payment-relief-request-form\/\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.hometrust.ca\/payment-relief-request-form\/<\/span><\/span><\/span><\/a><\/p>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">At Home Trust, we recognize that the COVID-19 virus is creating unprecedented challenging circumstances for everybody. <\/span><span style=\"vertical-align: inherit;\">We want you to know that our first priority is the health and safety of our customers, partners and employees.<\/span><\/span><\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We also understand that as a community, we must work together to do everything possible to minimize the spread of the COVID-19 virus. <\/span><span style=\"vertical-align: inherit;\">As a result, we have taken measures to ensure that the majority of our employees are able to work remotely and maintain normal business functions. <\/span><span style=\"vertical-align: inherit;\">Our teams are fully operational and prepared to support you and your needs. <\/span><span style=\"vertical-align: inherit;\">Our commitment to providing solutions that work for your particular circumstances has not changed.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">All customers are advised that in addition to our retail stores and satellite offices being temporarily closed, access to our head office in Toronto has been restricted. <\/span><span style=\"vertical-align: inherit;\">At this time, we request that all customers requiring assistance contact us using the information listed below.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We want to reassure you, our customers, partners and communities we serve, that we are here to help during this challenging time. <\/span><span style=\"vertical-align: inherit;\">We are committed to work with our customers on an individual basis to support you as you manage through these extraordinary times. <\/span><span style=\"vertical-align: inherit;\">If you have been directly impacted by COVID-19 and need to better understand your options with Home, please reach out to us at <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">homehelps@hometrust.ca <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">or call us at 1-855-270-3630 or 416-777-5820. <\/span><span style=\"vertical-align: inherit;\">We will answer every call, and we appreciate your patience while our Call Center experiences high volumes. <\/span><span style=\"vertical-align: inherit;\">We are here to help.<\/span><\/span><\/span><\/p>\n<p><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">The most important thing is for us all to stay safe, healthy, and connected. <\/span><span style=\"vertical-align: inherit;\">Thank you for your continued trust in Home.<\/span><\/span><\/b><\/p>\n<p><a href=\"https:\/\/www.hometrust.ca\/statement-from-home-trust-on-covid-19\/\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.hometrust.ca\/statement-from-home-trust-on-covid-19\/<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Merix Financial<\/span><\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here: <\/span><\/span><\/span><a href=\"https:\/\/www.merixfinancial.com\/contact\/\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.merixfinancial.com\/contact\/<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you are facing immediate financial hardship as a result of COVID-19 and at risk of missing a mortgage payment, please email <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">cap@paradigmquest.com <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">with your name, mortgage number, property address, how you have been financially impacted (for example illness , income disruption, or self-isolation) and the phone number to best reach you. <\/span><span style=\"vertical-align: inherit;\">We will get back to you at our first opportunity. <\/span><\/span><\/span><a href=\"http:\/\/info.merixfinancial.com\/COVID-19-Customer-FAQ\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Click here for details<\/span><\/span><\/span><\/a><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Please note that our email and call volume is at an unprecedented high and there will be a 3-5 business day response time, but rest assured we will get back to you. <\/span><span style=\"vertical-align: inherit;\">Please help us by reducing calls to the center if you are not currently experiencing any financial hardships so that those with an immediate need can get the assistance they require.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Equitable Bank<\/span><\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">For residential mortgages email: <\/span><\/span><\/span><a href=\"mailto:customerservice@eqbank.ca\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">customerservice@eqbank.ca<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">For commercial mortgages email: <\/span><\/span><\/span><a href=\"mailto:commercialservice@eqbank.ca\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">commercialservice@eqbank.ca\u00a0<\/span><\/span><\/span><\/a><\/p>\n<h1><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">COVID-19 &#8211; we&#8217;re here to help<\/span><\/span><\/b><\/h1>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">With the COVID-19 pandemic on all of our minds, we know that these are extraordinary times, and we want you to know that at Equitable Bank, we&#8217;re here to help.\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">As a company, we&#8217;re committed to the wellbeing of our employees, their families and the community at large. <\/span><span style=\"vertical-align: inherit;\">With this in mind, we have made all necessary accommodations to move most of our workforce to a remote work environment in order to support the global effort in reducing the spread of the virus and ensure there is no interruption to service.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We want our customers, brokers, and bank partners to know that we remain stable, fully operational, and well on track to meet their needs. <\/span><span style=\"vertical-align: inherit;\">All of our customers will continue to have access to their savings, and can access credit in the way they would normally expect.\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">You can continue to use myEquitable, our mortgage and deposit broker portals, and Statement Share as you normally would.\u00a0<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">At Equitable Bank, we are standing alongside Canada&#8217;s six largest banks to help provide financial relief to Canadians impacted financially by COVID-19. <\/span><span style=\"vertical-align: inherit;\">We are committed to working with personal and small business banking customers on a case-by-case basis to provide flexible solutions that help them manage through challenges such as pay disruption, childcare disruption due to school closures, or challenges resulting from the COVID-19 virus itself. <\/span><span style=\"vertical-align: inherit;\">This support will include up to a six-month payment deferral for mortgages.<\/span><\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Clients who are worried about their financial situation or facing hardship are encouraged to contact us directly to discuss what options may be available. <\/span><span style=\"vertical-align: inherit;\">We are here to help.<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">For individuals with a <\/span><\/span><\/span><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">residential mortgage <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">, please contact Mortgage Services by email at <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">customerservice@eqbank.ca <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">.<\/span><\/span><\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">For small business owners or investors with a <\/span><\/span><\/span><b><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">commercial mortgage <\/span><\/span><\/b><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">, please contact Commercial Services by email at <\/span><\/span><\/span><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">commercialservice@eqbank.ca<\/span><\/span><\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">____________________________________________________________________________<\/span><\/span><\/span><\/p>\n<h2><strong><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Manulife Bank<\/span><\/span><\/strong><\/h2>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Apply here: <\/span><\/span><\/span><a href=\"https:\/\/www.manulifebank.ca\/support\/financial-relief-mortgage-form.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.manulifebank.ca\/support\/financial-relief-mortgage-form.html<\/span><\/span><\/span><\/a><\/p>\n<h3><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">If you&#8217;re directly impacted by the coronavirus and facing financial challenges, we&#8217;re here to help.<\/span><\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">We&#8217;re experiencing an unprecedented number of inquiries about residential mortgage deferrals right now and it&#8217;s taking 5 to 10 business days for us to respond to each case. <\/span><span style=\"vertical-align: inherit;\">We can understand how frustrating this can be and we&#8217;re working hard to expedite the process.<\/span><\/span><\/span><\/p>\n<p><a href=\"https:\/\/www.manulifebank.ca\/personal-banking\/plan-and-learn\/news\/message-from-our-ceo-covid-19.html\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">https:\/\/www.manulifebank.ca\/personal-banking\/plan-and-learn\/news\/message-from-our-ceo-covid-19.html<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">___________________________________________________________________________<\/span><\/span><\/span><\/p>\n<p><a href=\"https:\/\/www.nordest.ca\/real_estate_team.php\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">Contact your North East broker for more assistance at<\/span><\/span><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">(514) 680-4674 or info@nordest.ca<\/span><\/span><\/span><\/p>\n<p><a href=\"http:\/\/www.nordest.ca\"><span style=\"font-weight: 400;\"><span style=\"vertical-align: inherit;\"><span style=\"vertical-align: inherit;\">www.nordest.ca<\/span><\/span><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage Payment Deferrals * Taken directly from the website of each financial institution ____________________________________________________________________________ First National Apply here: https:\/\/mymortgage.firstnational.ca\/Account\/PaymentDeferral?languagecode=en-ca Keeping [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":38602,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[100,101,88,63,90,104,105,93,41,107,94,109,54,110,111,96,113,97,115,99,27],"featured_image_urls":{"full":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web.jpg",862,568,false],"thumbnail":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web-150x150.jpg",150,150,true],"medium":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web-300x198.jpg",300,198,true],"medium_large":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web-768x506.jpg",768,506,true],"large":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web.jpg",862,568,false],"1536x1536":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web.jpg",862,568,false],"2048x2048":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web.jpg",862,568,false],"post-thumbnail":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web-150x99.jpg",150,99,true],"melissa-img-706-471":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web-706x465.jpg",706,465,true],"melissa-img-706-auto":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web-706x465.jpg",706,465,true],"melissa-img-1200-auto":["https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web.jpg",862,568,false]},"post_excerpt_stackable":"<p>Mortgage Payment Deferrals * Taken directly from the website of each financial institution ____________________________________________________________________________ First National Apply here: https:\/\/mymortgage.firstnational.ca\/Account\/PaymentDeferral?languagecode=en-ca Keeping you informed: COVID-19 Updated March 27, 2020 The health and safety of our employees and customers is of the utmost importance. As the situation around COVID-19 continues to evolve, we want to let you know that First National Financial LP (\u201cFirst National\u201d) is closely monitoring the situation. If you are experiencing financial hardship due to COVID-19 and need to request a mortgage payment deferral, please submit a payment deferral request through My Mortgage or fill out our online mortgage payment&hellip;<\/p>\n","category_list":"<a href=\"https:\/\/www.nordest.ca\/blogue\/en\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a>","author_info":{"name":"Terry Kilakos","url":"https:\/\/www.nordest.ca\/blogue\/en\/author\/hdgyye73sy\/"},"comments_num":"0 comments","yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.6 (Yoast SEO v21.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage Payment Deferrals - Blog sur l&#039;immobilier et les pr\u00eats hypoth\u00e9caires- Nordest.ca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.nordest.ca\/blogue\/en\/mortgage-payment-deferrals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Payment Deferrals\" \/>\n<meta property=\"og:description\" content=\"Mortgage Payment Deferrals * Taken directly from the website of each financial institution ____________________________________________________________________________ First National Apply here: https:\/\/mymortgage.firstnational.ca\/Account\/PaymentDeferral?languagecode=en-ca Keeping [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.nordest.ca\/blogue\/en\/mortgage-payment-deferrals\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog sur l&#039;immobilier et les pr\u00eats hypoth\u00e9caires- Nordest.ca\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NorthEastNordEst\" \/>\n<meta property=\"article:published_time\" content=\"2020-03-30T15:06:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-04-01T17:04:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.nordest.ca\/blogue\/wp-content\/uploads\/2020\/03\/Skip-A-Payment-Web.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"862\" \/>\n\t<meta property=\"og:image:height\" content=\"568\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Terry Kilakos\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NorthEastFirm\" \/>\n<meta name=\"twitter:site\" content=\"@NorthEastFirm\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Terry Kilakos\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"16 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.nordest.ca\/blogue\/en\/mortgage-payment-deferrals\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.nordest.ca\/blogue\/en\/mortgage-payment-deferrals\/\"},\"author\":{\"name\":\"Terry Kilakos\",\"@id\":\"https:\/\/www.nordest.ca\/blogue\/#\/schema\/person\/4906244391456eadff10f8919b6fe474\"},\"headline\":\"Mortgage Payment Deferrals\",\"datePublished\":\"2020-03-30T15:06:04+00:00\",\"dateModified\":\"2021-04-01T17:04:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.nordest.ca\/blogue\/en\/mortgage-payment-deferrals\/\"},\"wordCount\":3234,\"publisher\":{\"@id\":\"https:\/\/www.nordest.ca\/blogue\/#organization\"},\"keywords\":[\"b2b\",\"bank of montreal\",\"bmo\",\"covid-19\",\"DESJARDINS\",\"equtable bank\",\"firstnational\",\"HOMETRUST\",\"interest rate\",\"manulife\",\"MCAP\",\"merix\",\"mortage broker\",\"National Bank of Canada\",\"payment holiiday\",\"rbc\",\"roya bank of canada\",\"SCOTIA BANK\",\"skip a payment\",\"TD CANADA TRUST\",\"terry kilakos\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.nordest.ca\/blogue\/en\/mortgage-payment-deferrals\/\",\"url\":\"https:\/\/www.nordest.ca\/blogue\/en\/mortgage-payment-deferrals\/\",\"name\":\"Mortgage Payment Deferrals - 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