Depending on your equity and timeline, one or more of these solutions can halt proceedings.
⚡Private mortgage — fast approval
Private lenders approve based on equity, not income or credit score. We can sometimes fund in 48–72 hours — enough to cure the default and stop the sale.
🔄Refinance with B-lender
If you have enough equity and the proceedings aren't too advanced, a B-lender refinance pays out the defaulted mortgage at a lower private rate — giving you breathing room.
🤝Negotiate with the lender
We sometimes negotiate directly with lenders on your behalf — payment deferrals, capitalized arrears, or restructured terms can pause proceedings while you stabilize.
💰Sell before power of sale
If stopping isn't viable, a controlled sale on your terms is better than a lender-forced sale at below-market prices. We help structure the exit to maximize your remaining equity.
🏗️Bridge the arrears
A short-term bridge loan covers the arrears amount only — curing the default without refinancing the whole mortgage. Lower cost, faster to arrange.
📋Consumer proposal
In severe cases, a consumer proposal or bankruptcy protection can temporarily halt power of sale through an automatic stay of proceedings. We work alongside your trustee.
Common questions
How much equity do I need to stop power of sale through refinancing?
Typically at least 20–25% equity in the property after paying off all arrears, legal fees, and the new mortgage. Private lenders will lend up to 75–80% LTV in power of sale situations. We calculate this for you immediately when you call.
Will stopping power of sale hurt my credit?
The power of sale notice itself damages your credit. Resolving it through refinancing or a private mortgage doesn't add further damage — and stopping it prevents the credit catastrophe of a completed sale. The sooner you act, the better your credit outcome.
Can I stop a power of sale in 48 hours?
With sufficient equity, yes. Private lenders can fund emergency bridge loans very quickly. We have relationships with lenders who prioritize urgent situations — call us and we'll tell you within the hour what's possible for your file.
More questions
My lender has already issued a Notice of Sale — am I too late?
Not necessarily. You have 35 days after the Notice of Sale is issued to redeem the mortgage (pay all arrears, fees, and the full balance). Before that deadline, financing is still possible. After it, options narrow significantly — but call us immediately regardless.
What are the lender's legal costs and can they be included in the refinance?
Yes — legal fees accumulated by the lender in power of sale proceedings are added to your balance and can typically be included in a private refinance. We calculate the full payout figure including arrears, interest, and legal costs before presenting options.