MORTGAGE LENDING ADMINISTRATION

• Requests received on or before 3:00 PM (Pacific Time) Monday to Friday (excluding BC and Canadian statutory holidays): will be processed same day, providing all is in order. (Note for Legal professionals outside the lower mainland: Wires have a cut off time of 10:00 AM and must include all required documents/information at the time of request)
• Requests received between 3:00 PM to 5:00 PM (Pacific Time) Monday to Friday (excluding BC and Canadian statutory holidays): same-day processing is not guaranteed. The legal professional is responsible for proactively contacting the Lending Administration Team to confirm feasibility of same-day funding.
• Requests received during the weekends or statutory holidays will be processed the next business day providing all is in order.
• Refer to the Requests for Funds and Discharges tab below for details on these types of requests and requirements including time deadlines for wire requests.
• Note: Funding timelines may be affected by outstanding branch or member requirements (e.g., missing signatures, unresolved insurance discrepancies). Tru Cooperative Bank will advise if delays exceed service standards.

Funding of mortgages may happen in one of two ways:

First Canadian Title’s Managed Mortgage Solutions (FCT’s MMS) program

If given Solicitor Instructions through First Canadian Title’s Managed Mortgage Solutions (FCT’s MMS) program, follow guidelines from and refer all questions directly to FCT’s MMS program at mortgage@fct.ca or 1-877-525-1264

​Direct Solicitor Instructions from Tru Cooperative Bank

Submission of funding request

If Tru Cooperative Bank provides direct Solicitor Instructions to legal professionals, follow the checklist below.

Checklist for funding:

• Refer to Service Level Commitments for details on time requirements on funding requests. Funding may be delayed if there are any irregularities or discrepancies on Tru Cooperative Bank side. You will be notified of any delays exceeding our regular service level commitments noted here. This may involve arranging alternative methods of receiving the funds.
• When requesting funds, email FWRetailLending@trucooperativebank.ca with the following being required:
  • Best practice email subject line, should contain (if you know the details): Region, Branch, Account number, Member Name, Task (e.g. request for funds)
  • Required document: Solicitors Interim Report and Request for Funds. See under Residential Mortgage Tools, item 3. Include attachments for:
    • A signed Form B is required at request-for-funds stage. A registered Form B must be provided as part of the Final Mortgage Documentation Package.
    • Title insurance (required in the amount of $1M or the purchase price, whichever is greater)
  • If applicable, the PPSA Registration document must be attached

Disbursement instructions

1. Use your Tru Cooperative Bank trust account, or
2. If you do not have a Tru Cooperative Bank trust account:
   Legal professionals in the Greater Vancouver and Lower Mainland area: Pick up a cheque at Tru Cooperative Bank head office: 200 – 19933 88th Ave Langley, BC V2Y 4K5

    

   Legal professionals outside the Greater Vancouver and Lower Mainland area, in your request for funds, choose one of the following options:

   • Pick up a cheque at a local Valley First or Island Savings branch.
   • Wire transfer request:
     • A fully completed request must be submitted prior to 10:00 AM on the day of advance.
     • Important: While uncommon, wire transfers may take up to two business days to arrive. Tru Cooperative Bank is not responsible for downstream delays once the wire is released.
     • If received after 10:00 AM or funding delayed*, you will need to choose alternative method to receive funds or be prepared to receive funds the next business day.
     • Any other options requested will be reviewed on a case-by-case basis.

Submission of Final Mortgage Documentation Package

Tru Cooperative Bank requires the Final Mortgage Documentation Package and The State of Title Certificate to be provided in digital format. Do not mail a hard copy. Final Mortgage Documentation Package should be submitted as soon as reasonably possible following funding.

Please email them to FWRetailLending@trucooperativebank.ca and include branch, member name and account number, and Final Report in subject line.

Discharge Requests

All discharge requests are to be routed through Dye & Durham – AtSource Solutions Inc. Please contact them at 604-538-3221, toll free 1-866-538-322, email clientsupport@atsourceinc.ca for set up and any questions you may have.

Please provide at minimum 3 to 10 business days notice for a payout statement. Requests received in 2 days or less will be completed on a best effort basis

• Exceptions to using AtSource – PPSA, Lease Land, Indigenous Land, Marine Mortgages and Cultus Lake. If you would like to request this type of discharge please email us at FWRetailLending@trucooperativebank.ca

Payout funds

Tru Cooperative Bank has adopted the AtSource eChequeOut solution to receive funds electronically and this is the preferred method for receiving payout funds. Funds sent after 3:00 PM via eChequeOut will not be received until the next business day and payout effective the day of receipt.

Alternatively, you may courier a cheque and payout package to the Tru Cooperative Bank head office in Langley (address in contact information) or drop of a cheque and payout package to a local Envision Financial, Valley First or Island Savings branch.

Please ensure any additional per diem is added to cover any time the funds may be in transit to Tru Cooperative Bank.

Updated April 2026

1. Memorandum of Engagement Expectations for Legal Professionals Preparing a Mortgage on Behalf of Tru Cooperative Bank
   Download PDF Document
2. Standard Mortgage Terms: Residential CreditMaster® Mortgage (MT180028)
   Download PDF Document
3. Solicitors Interim Report and Request for Funds – Required document at funding
   Download PDF Document
4. Acknowledgement of Receipt of Mortgage: Receipt of Standard Mortgage
   Download PDF Document
5. Final Report on Title and Security
   Download PDF Document