Redemption Actions
 64.05 (1) In an action for redemption of a mortgaged property, all persons interested in the equity of redemption, other than subsequent encumbrancers, shall be named as plaintiffs or defendants in the statement of claim.  R.R.O. 1990, Reg. 194, r. 64.05 (1). (2) In a redemption action, subsequent encumbrancers shall be added as defendants only where the plaintiff is declared foreclosed.  R.R.O. 1990, Reg. 194, r. 64.05 (2). Claims that May Be Joined (3) In a redemption action, a person interested in the equity of redemption may also claim possession of the mortgaged property.  R.R.O. 1990, Reg. 194, r. 64.05 (3). Judgment (4) In a redemption action, where the defendant has been noted in default, the plaintiff may require the registrar to sign judgment for redemption (Form 64M).  R.R.O. 1990, Reg. 194, r. 64.05 (4). (5) Every judgment for redemption shall direct a reference, whether or not there are any subsequent encumbrancers.  R.R.O. 1990, Reg. 194, r. 64.05 (5). Where Plaintiff Fails to Redeem (6) On default of payment according to the report in a redemption action, the defendant is entitled, on motion to the court without notice, to a final order of foreclosure against the plaintiff or to an order dismissing the action with costs.  R.R.O. 1990, Reg. 194, r. 64.05 (6). (7) Where the plaintiff is declared foreclosed, directions may be given, in the final order foreclosing the plaintiff or by a subsequent order, that the reference be continued for redemption or foreclosure, or for redemption or sale, against any subsequent encumbrancers, or for the adjustment of the respective rights and liabilities of the original defendants.  R.R.O. 1990, Reg. 194, r. 64.05 (7); O. Reg. 333/96, s. 4. (8) Where the reference is continued under subrule (7), (a) for redemption or foreclosure, the reference shall proceed in the same manner as in a foreclosure action; (b) for redemption or sale, the reference shall proceed in the same manner as in a sale action, and for that purpose the last encumbrancer shall be treated as the owner of the equity of redemption.  R.R.O. 1990, Reg. 194, r. 64.05 (8). (9) Where the plaintiff is declared foreclosed, a subsequent encumbrancer who attends and proves a claim on the reference is entitled to thirty days to redeem the mortgaged property.  R.R.O. 1990, Reg. 194, r. 64.05 (9). Where Nothing Due to Defendant (10) Where, on a reference in a redemption action, nothing is found due to the defendant, the defendant is liable for the costs of the action and the defendant shall pay any balance due to the plaintiff forthwith after confirmation of the report on the reference.  R.R.O. 1990, Reg. 194, r. 64.05 (10). Procedure on Mortgage References Generally Rule 55 Applies 64.06 (1) Rule 55 (procedure on a reference) applies to a reference in an action for foreclosure, sale or redemption, except as provided in this rule.  R.R.O. 1990, Reg. 194, r. 64.06 (1). Plaintiff to File Material Concerning Subsequent Encumbrancers (2) On a reference in an action for foreclosure, sale or redemption, the plaintiff shall file sufficient evidence to enable the referee to determine who appears to have a lien, charge or encumbrance on the mortgaged property subsequent to the mortgage in question.  R.R.O. 1990, Reg. 194, r. 64.06 (2). Duties and Powers of Referee (3) On the reference the referee shall, (a) add subsequent encumbrancers as defendants in accordance with subrule (4); (b) fix a time and place for determining the validity of the claims of subsequent encumbrancers; (c) determine who has a lien, charge or encumbrance on the mortgaged property subsequent to the mortgage in question; (d) take an account of what is due on the mortgage and what is due to subsequent encumbrancers who prove a claim; (e) fix or assess the costs of the parties; (f) fix a time and place for payment, where applicable; (g) where the reference is for immediate sale, give directions for the sale and defer taking accounts until after the sale is held or proves abortive; (h) where a sale is being conducted on the request of a subsequent encumbrancer, determine that the encumbrancer has a valid claim before giving directions for the sale; (i) take all necessary steps for redemption by or foreclosure of the parties entitled to redeem the mortgaged property and, where applicable, for sale of the mortgaged property; and (j) take subsequent accounts and fix or assess subsequent costs as required.  R.R.O. 1990, Reg. 194, r. 64.06 (3). Adding Subsequent Encumbrancers (4) Subject to subrule 64.05 (2) (subsequent encumbrancers in redemption action), the referee shall direct all persons who appear to have a lien, charge or encumbrance on the mortgaged property subsequent to the mortgage in question and who were not named as defendants in the statement of claim to be added as defendants and to be served with a notice of reference to subsequent encumbrancer added on reference (Form 64N).  R.R.O. 1990, Reg. 194, r. 64.06 (4). (5) A subsequent encumbrancer added under subrule (4) may be served with documents on the reference, (a) in the case of an execution creditor, by mail at the address shown on the writ of execution or the most recent request to renew it or, if the creditor’s address is not shown, by serving the creditor’s lawyer in a manner authorized by subrule 16.05 (1); (b) in the case of a person who has registered a claim for lien under the Construction Act, by mail at the address for service shown on the claim for lien; or (c) in any other case, personally or by an alternative to personal service under rule 16.03.  R.R.O. 1990, Reg. 194, r. 64.06 (5); O. Reg. 575/07, s. 1; O. Reg. 537/18, s. 10; O. Reg. 248/21, s. 10. (6) A person served with a notice under subrule (4) may move within ten days after service, or where the person is served outside Ontario, within such further time as the referee directs, to set aside or vary the judgment in the action or the order adding the person as a defendant.  R.R.O. 1990, Reg. 194, r. 64.06 (6). (7) Where it appears to the referee that a person who was named as a defendant in the statement of claim may have a lien, charge or encumbrance on the mortgaged property subsequent to the mortgage in question, although the person was not alleged to be a subsequent encumbrancer in the statement of claim, the referee shall direct that defendant to be served with a notice of reference to subsequent encumbrancer named as original party (Form 64O).  R.R.O. 1990, Reg. 194, r. 64.06 (7). Notice of Reference to Original Defendants (8) Subject to subrule (10), all persons who were named as defendants in the statement of claim shall be served with a notice of reference to original defendants (Form 64P), stating the names and nature of the claims of all those appearing to have a lien, charge or encumbrance on the mortgaged property.  R.R.O. 1990, Reg. 194, r. 64.06 (8). (9) Any person named as a defendant in the statement of claim who is not a subsequent encumbrancer and who has not filed a request to redeem or a request for sale may be served with the notice of reference by mail at the person’s last known address.  R.R.O. 1990, Reg. 194, r. 64.06 (9). (10) A subsequent encumbrancer who was named as a defendant in the statement of claim and who has not filed a request to redeem or a request for sale is not entitled to notice of a reference for foreclosure.  R.R.O. 1990, Reg. 194, r. 64.06 (10). Adding Parties Other than Encumbrancers (11) Where on a reference it appears that there are persons interested in the equity of redemption, other than subsequent encumbrancers, who are not already defendants to the action, the referee may order that they be added as defendants on the reference on such terms as are just, and the order shall be served on them, together with the judgment in the action and a notice to added party (Form 64Q), personally or by an alternative to personal service under rule 16.03.  R.R.O. 1990, Reg. 194, r. 64.06 (11). (12) A defendant added under subrule (11) may move within ten days after service of the material referred to in subrule (11), or where the defendant is served outside Ontario, within such further time as the referee directs, to set aside or vary the judgment in the action or the order adding the person as a defendant.  R.R.O. 1990, Reg. 194, r. 64.06 (12). Where more than one Party Entitled to Redeem (13) One day shall be fixed for payment by all the parties entitled to redeem and, where more than one party is entitled to redeem, the referee shall determine the priority in which they are so entitled.  R.R.O. 1990, Reg. 194, r. 64.06 (13). (14) Where more than one defendant entitled to redeem makes payment, any such defendant may make a motion on the reference for further directions.  R.R.O. 1990, Reg. 194, r. 64.06 (14). Proof of Account where Mortgage Assigned (15) In an action for foreclosure or sale by, or for redemption against, an assignee of a mortgagee, a statement of the mortgage account, verified by affidavit of the assignee, may be taken as proof of the state of the account and an affidavit is not required from the mortgagee or any intermediate assignee denying any payment to the mortgagee or intermediate assignee, unless the mortgagor or the mortgagor’s assignee, or any party entitled to redeem, denies by affidavit the correctness of the statement of account.  R.R.O. 1990, Reg. 194, r. 64.06 (15). Referee’s Report (16) The referee shall set out in the report on the reference, (a) the names of, (i) all persons who were parties on the reference, (ii) all subsequent encumbrancers who were served with notice of the reference, and (iii) all subsequent encumbrancers who failed to attend on the reference and prove their claims; (b) the amount and priority of the claims of the parties who attended and proved their claims on the reference, and the report shall show those parties as the only encumbrancers of the property; and (c) the date on which the report was settled.  R.R.O. 1990, Reg. 194, r. 64.06 (16). (17) The report shall be served on all parties who attended on the reference and on any defendant who filed a request to redeem or a request for sale and shall be filed with proof of service.  R.R.O. 1990, Reg. 194, r. 64.06 (17). (18) Where any period fixed for payment expires within fifteen days after confirmation of the report, a new account shall be taken.  R.R.O. 1990, Reg. 194, r. 64.06 (18). Mortgagee to Transfer Property where Redeemed (19) Subject to the Mortgages Act, where a party pays the amount found due on the mortgage, the mortgagee shall, unless the judgment directs otherwise, transfer the mortgaged property to the party making the payment or the party’s nominee, free and clear of all encumbrances incurred by the mortgagee, and the mortgagee shall deliver up all instruments in the mortgagee’s possession, control or power that relate to the mortgaged property.  R.R.O. 1990, Reg. 194, r. 64.06 (19). Registrar May Request Directions (20) A registrar who is of the opinion that a mortgage reference directed to him or her ought to be dealt with by a judge may request directions from a judge.  R.R.O. 1990, Reg. 194, r. 64.06 (20). Change of Account (21) Where the state of account as ascertained by an order or report has changed before the day fixed for payment, the mortgagee may, at least fifteen days before that day, serve notice of the change of account on the person required to pay, giving particulars of the change of account and of the sum to be paid.  R.R.O. 1990, Reg. 194, r. 64.06 (21). (22) Where notice of a change of account has been served and the sums mentioned in it are proper, the court may make a final order without further notice or, on the motion for a final order, may fix a new day for payment and may require notice to be served.  R.R.O. 1990, Reg. 194, r. 64.06 (22). (23) A party served with notice of change of account who is dissatisfied may make a motion to the court to determine the amount to be paid and to fix a new day for payment.  R.R.O. 1990, Reg. 194, r. 64.06 (23). (24) Where the state of account has changed before the day fixed for payment and notice of the change has not been served, (a) where the amount payable for redemption is reduced, a new day shall be fixed for payment, on notice to the persons entitled to redeem; or (b) where the amount payable for redemption has increased, the mortgagee may move for a final order after the day fixed for payment, without the fixing of a new day.  R.R.O. 1990, Reg. 194, r. 64.06 (24). (25) Where the state of the new account has changed after the day fixed for payment, it is not necessary to fix a new day, unless the court so directs on the motion for a final order.  R.R.O. 1990, Reg. 194, r. 64.06 (25). (26) Where it becomes necessary to fix a new day for payment after the expiration of the original period, the further time allowed shall be thirty days, unless the court orders otherwise.  R.R.O. 1990, Reg. 194, r. 64.06 (26). (27) Despite subrule (26), the court may, on motion of any party, extend or abridge the time for redemption for such time and on such terms as are just.  R.R.O. 1990, Reg. 194, r. 64.06 (27). RULE 65  PROCEEDINGS FOR ADMINISTRATION