What Is Spousal Postponement Consent?

When buying or refinancing a home, many people are surprised to learn that a Spousal Postponement Consent may be required—especially in situations where one spouse or partner is not listed on the property title. This document plays a key role in protecting the lender’s interest in the property and is often a mandatory requirement for mortgage approval.

A Spousal Postponement confirms that the non-title spouse acknowledges the mortgage being placed on the property and agrees to postpone any rights or claims they may have—either now or in the future—in favour of the lender. In simple terms, it ensures the lender’s mortgage takes priority over any family law interests that may arise from the spouse not on title.

This form is most commonly required under the Family Law Act in British Columbia, and is designed to avoid legal complications in the event of relationship breakdown, separation, or death. Without this consent in place, lenders may view the mortgage as unsecured or at risk, which can delay funding or even cause the mortgage to be denied.

Have questions about Spousal Postponement or other real estate documents?

Contact KC Notary & Co. today to schedule a consultation. We’ll ensure your paperwork is legally sound and submitted correctly—so your deal moves forward without delay.