# What documentation is required for an estate mortgage transfer?

> Required: (1) Death certificate, (2) Last Will and Testament, (3) Grant of Probate (or Certificate of Appointment of Estate Trustee), (4) Current appraisal, (5) Mortgage statement, (6) Title search confirming ownership structure, (7) Identification for executors and heirs.

Category: Legal
Last verified: 2026-02-18
Source: https://ratellow.com/faqs/legal/what-documentation-is-required-for-an-estate-mortgage-transfer

## Answer
Required: (1) Death certificate, (2) Last Will and Testament, (3) Grant of Probate (or Certificate of Appointment of Estate Trustee), (4) Current appraisal, (5) Mortgage statement, (6) Title search confirming ownership structure, (7) Identification for executors and heirs. Many lenders also require a 'Letter of Direction' from the estate lawyer.

## Related guide
- https://ratellow.com/guides/estate-inheritance-mortgage

## Sources
- FCAC Consumer Rights: Death of a Borrower — https://www.canada.ca/en/financial-consumer-agency/services/industry/laws-regulations/guideline-existing-mortgage-loans-exceptional-circumstances.html#toc6
- B-20 Underwriting: Title Changes — https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/residential-mortgage-underwriting-practices-procedures-guideline-2017#2.2.2