Section: Programs
Category: Mortgage Custody Program
Page Type: Program Page
Page ID: P-208
KB Source: KB-400
Extracted Source Sections: KB-400, KB-400A
Last Updated: 2026-06-14

Mortgage Custody Program - Overview

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Source coverage role: Program topic page

Primary Knowledge Base material

SECTION KB-400 - MORTGAGE CUSTODY PROGRAM FRAMEWORK

SECTION KB-400A - PROGRAM FOUNDATION & PURPOSE FRAMEWORK

Purpose

The Mortgage Custody Program is a homeownership-preservation and affordability-support program designed for homeowners who wish to maintain long-term ownership of their property but whose circumstances may no longer support traditional affordability, restructuring, refinancing, or mortgage-relief solutions.

The program seeks to create an alternative pathway that may allow qualifying homeowners to preserve ownership, stabilize affordability, maintain occupancy, and protect meaningful remaining equity when conventional solutions are no longer realistic or sufficient.

Program Category

Homeownership Preservation Program

Program Importance

Partner Program

The Mortgage Custody Program and Rent Relief Program are complementary programs that operate together within the same housing-support ecosystem.

The Mortgage Custody Program primarily serves homeowners and beneficiaries seeking a pathway to preserve ownership.

The Rent Relief Program primarily serves trustee participants who may participate in approved custody opportunities.

Both programs are intended to operate together as part of the same overall framework.

Core Principle

The Mortgage Custody Program is built on the principle that some homeowners may still have meaningful equity, meaningful long-term ownership value, and a strong desire to retain ownership, even when traditional mortgage solutions are no longer available.

In certain situations, the homeowner's greatest concern is not simply affordability.

The greater concern is the potential permanent loss of ownership.

For some homeowners, selling may technically be possible but may not be desirable.

The homeowner may believe that once the property is sold, there may be no realistic pathway back into homeownership.

The Mortgage Custody Program exists to explore whether a structured custody arrangement may create the affordability improvement, stability, and time necessary to preserve long-term ownership.

Relationship to Mortgage Relief Program

The Mortgage Relief Program is generally intended to be explored first.

Mortgage Relief focuses primarily on:

• Affordability Improvement

• Cash-Flow Improvement

• Mortgage Restructuring

• Consolidation Opportunities

• Financial Assistance

• Housing Stability

Mortgage Custody may be considered where:

• Traditional restructuring is unavailable

• Refinancing is unavailable

• Consolidation is unavailable

• Mortgage Relief solutions are insufficient

• Meaningful equity still exists

• Long-term ownership remains a priority

• Selling is not the preferred outcome

The programs should be viewed as different pathways serving the same overall objective of housing stability and ownership preservation.

Meaningful Equity Principle

Mortgage Custody generally requires meaningful equity worth preserving.

While each situation is assessed individually, homeowners typically possess approximately 15% to 25% or greater equity before a custody structure may become practical.

The purpose is not simply to preserve equity.

The purpose is to preserve a realistic pathway to long-term ownership where meaningful equity still exists.

Meaning of Mortgage Custody

Mortgage Custody refers to a structured arrangement where legal, mortgage, title, trustee, custody, and administrative structures may be utilized to help stabilize a homeowner's situation while preserving long-term ownership objectives.

Specific structures may vary based on:

• Homeowner Circumstances

• Property Characteristics

• Mortgage Requirements

• Legal Requirements

• Trustee Availability

• Program Requirements

• Professional Advice

• Other Applicable Factors

Occupancy Principle

The homeowner generally remains free to determine how the property is used.

Subject to applicable agreements and legal requirements, the homeowner may:

• Continue living in the property

• Rent the property

• Leave the property vacant

• Utilize the property in other lawful ways

The objective is not to remove occupancy or control from the homeowner.

The objective is to create a structure capable of preserving ownership and improving affordability.

Typical Program Duration

Mortgage Custody arrangements are generally intended as medium-term solutions.

Many arrangements may align with common Canadian mortgage terms and may remain in place for approximately 36 to 60 months, although each situation is unique.

Exit Opportunities

A Mortgage Custody arrangement may conclude through:

• Financial Recovery

• Mortgage Qualification Improvement

• Transfer Back

• New Custody Arrangement

• Sale of the Property

• Mortgage Renewal

• Refinancing

• Other Approved Outcomes

The homeowner's long-term objectives remain an important consideration throughout the process.

Guiding Principle

The Mortgage Custody Program exists to help qualifying homeowners explore alternatives to selling, foreclosure, power of sale, or permanent loss of ownership when traditional mortgage-relief solutions are no longer practical, while meaningful equity and a strong desire for continued ownership still remain.

Knowledge Base source reference

Page ID: P-208

Inventory category: Programs / Mortgage Custody Program

Inventory page type: Program Page

KB source listed in inventory: KB-400

Extracted source sections: KB-400, KB-400A