Behind on Property Taxes? Stop the Tax Sale.
Unpaid municipal property taxes can lead to a tax sale — even if your mortgage is current. Use your home equity to clear the arrears fast. Any credit, funded in as little as 24–72 hours.
🏠 How much can you access to clear arrears?
Behind on property taxes? Your home is still safe — for now.
Unpaid municipal property taxes don’t just sit there. They accumulate interest and penalties, and if they go unpaid long enough your municipality can register a tax arrears certificate and ultimately sell your home through a tax sale — even if your mortgage is completely current. If you have equity, you can clear the arrears and stop the process before it ever gets there.
How a tax sale happens — and where you can stop it
The timeline varies by municipality and province, but it always follows the same path. You can act at any stage before the sale closes.
Taxes Overdue
Interest and penalties start adding to the balance the day taxes are late.
Municipal Notices
Your city sends reminders and warnings about the growing balance.
Arrears Certificate
After the statutory arrears period, a certificate can be registered on title — restricting sale or refinance.
Redemption Period
A final window (often up to a year) to pay everything owed and cancel the process.
Tax Sale
If still unpaid, the municipality sells the property to recover the taxes.
General information only, not legal advice. In Ontario the process runs under the Municipal Act; Alberta and Saskatchewan have their own tax-recovery rules. Timelines differ by municipality.
Why your bank won’t help — and we can
Banks routinely refuse to renew or refinance a mortgage when property taxes are in arrears, and many will quietly pay your overdue taxes themselves and then treat it as a default. We work with alternative and private lenders who approve based on the equity in your home — not your credit score or income — and use those funds to pay your municipality directly and clear the arrears.
Serving homeowners across Ontario, Alberta & Saskatchewan — including Toronto Mississauga Brampton Calgary Edmonton and many more.
Related arrears help
Not quite your situation? Jump to the right page.
Mortgage Arrears Overview
Every arrears situation and how home equity solves it.
See the overview →Income Tax / CRA Debt
Pay off CRA debt and liens from your equity.
Learn more →Stop Power of Sale
Served a Notice of Sale in Ontario? Stop it in time.
Learn more →Stop Foreclosure
Reinstate or pay out before judicial sale (AB & SK).
Learn more →Can your equity clear your arrears?
Move the sliders to see how much you could access — and whether it covers what you’re behind.
Include missed mortgage payments, property tax arrears, CRA debt, and any other amounts you need to catch up.
Your options compared
When you’re in arrears, doing nothing is the most expensive choice.
Do nothing
- Penalties & interest keep growing
- Legal action proceeds
- Risk of losing the home
- Major credit damage
Sell the home
- You lose your home
- Rushed sale = lower price
- Moving costs & disruption
- May still owe a shortfall
Bankruptcy / proposal
- Severe credit damage (up to 7 yrs)
- Trustee involvement
- Doesn’t always save the home
- Last resort if no equity
Equity solution
- Keep your home
- Arrears paid, sale stopped
- Funded in days, fully digital
- Credit can start to recover
The solutions we use to clear arrears
The right fit depends on your equity, your existing mortgage, and how fast you need to move.
Second Mortgage
Pay the arrears without disturbing a good first-mortgage rate. Fast, equity-based approval.
Home Equity Loan
Clear arrears and consolidate other debt in one shot, secured by your equity.
Refinance
Roll the arrears into a new mortgage and reset your payments around your situation.
Private Mortgage
When time is critical, private lenders approve almost entirely on equity — often in days.
Trusted by homeowners across Ontario, Alberta & Saskatchewan
★★★★★ 5.0 average — real Google reviews from CreditReboot clients
“We were hit with an unexpected financial rough patch and our regular bank wasn’t wanting to help us. One quick email to CreditReboot resulted in an immediate response with options available to us. Parm quickly set us on the right path.”
“Among all the brokers I’ve worked with over the years, Parm at CreditReboot is at the top. I was put into a tricky situation and other brokers had failed to deliver, but Parm helped me out of it and got me a better deal at every turn.”
“Parm was super knowledgeable and really helped us when we were in a pinch and needed a quick close. He made our stressful situation much more manageable. Would highly recommend!”
“I was in a total bind looking to get a home equity loan against my property in Alberta, even after letdowns from a couple of lenders and the banks. Parm worked tirelessly to find me a lender tailored to my needs — by far the best I’ve worked with in a difficult situation.”
“This review is way overdue. You will not be disappointed with Parm — extremely friendly, very knowledgeable, always answering any questions or concerns. You’re always kept in the loop. I’d definitely work with him again.”
“We value the quality of Parm’s service. He was very approachable, knowledgeable and professional. It was almost hard to believe it all went this smoothly. He was quick to respond when needed. We recommend him to everyone.”
Honest guidance, not just a transaction
We arrange financing up to 80% loan-to-value and leave meaningful equity in place as a buffer. Every cost — interest rate, lender fee, broker fee, legal and appraisal — is disclosed in writing before you commit. And if a loan isn’t the right answer, we’ll tell you. Sometimes a payment arrangement with your lender or municipality serves you better.
From crisis to recovery
Missed payments, mounting penalties, legal action looming.
Arrears paid, sale stopped, one manageable payment. Credit starts to recover.
Back on track and eligible to refinance to prime A-lender rates.
Learn more
Helpful reading from our team while you decide your next step.
Don’t let property tax arrears put your home at risk.
Apply online and we’ll review your situation and arrange a solution to clear your arrears — often approved in as little as 24 hours. No obligation, no upfront fees.
Get Emergency Help Now →Related reading
- How a property tax sale works — the timeline and your exits
- Using equity to clear tax debt — how the payout is structured
- Mortgage arrears in Canada — the facts and the ways out
- Consolidating debt with home equity — rolling arrears into one payment