CreditWiseConfident Decisions

Joint Equitable Mortgage

Consolidated security arrangement where title deeds are held by a lead bank for the benefit of all consortium lenders.

Mortgage Wizard

Step 1 of 3
1
Property
2
Institutions
3
Execution
Company & Compliance Data

Mortgage Protocol

Equitable mortgage creation requires the physical intent to create security via deposit of original deeds.

  • Title deeds must be lien-free and verified.
  • Lead bank acts as Trustee for all lenders.
Regulatory Tip
For 2026 ROC compliance, ensure Form CHG-1 is filed within 30 days of the deposit date.