Sale of Properties for Tax Arrears

Postal Disruption

During the current postal disruption at Canada Post, you are still responsible to ensure your property tax payments are received by the due date. Penalty and interest charges will apply for payments received or postmarked after the due date.

There are several convenient payment options available:

  • At most banks or financial institutions in person, at the automated teller machine (ATM), or through their internet or telephone banking. Retain your receipt.
    Note: Property roll numbers are assigned to the property, not the property owner. Please ensure that the bank and online banking information reflects your correct 11-digit roll number to avoid payments being applied to the incorrect property. You will be charged a fee to correct a misapplied payment.
     
  • By mail. Please make cheques payable to the City of Hamilton and mail your payment to:
    • City of Hamilton
      Corporate Services Department, Taxation Section
      71 Main St. West
      PO Box 2040 STN LCD 1
      Hamilton, ON
      L8N 0A3
  • In person at Hamilton City Hall, 71 Main Street West or at your local Municipal Service Centres in Ancaster, Dundas (closed Fridays), Flamborough (closed Fridays), Glanbrook and Stoney Creek from 8:30 am to 4:30 pm. After hours drop boxes are available at these locations.
     
  • Joining one of our five convenient pre-authorized payment plans, for which there is no fee to join.

Please visit www.hamilton.ca/tax for more detailed information.

Failure to receive a tax bill does not relieve taxpayers of their obligation. If you have any questions about your property tax bill, or if you did not receive your tax bill, please call 905-546-2489 (if calling from Campbellville 905-634-2971) or email taxsupport@hamilton.ca

Tenders are currently being accepted for these tax sale properties until 3 pm local time on Tuesday, November 13, 2018. 
Learn more about submitting a tender.

 

Registration of a Lien on Title

If property taxes are two calendar years in arrears, the City can register a lien or Tax Arrears Certificate on title as per the Ontario Municipal Act, 2001.

Before registering a Lien on Title the City will:

  • Indicate the amount in arrears on the tax bill
  • Send reminder notices in March, May, July and October with the outstanding balance
  • Send a final letter indicating the property is at risk of having a lien registered in February

The following people will be notified by Registered Mail when a lien is registered on a property:

  • Tax payer
  • Mortgage holder
  • Anyone with a registered court judgement against the tax payer

The taxpayer has one year from the date the lien was registered to make a payment plan to pay the outstanding taxes.

Payment options

If your property is in tax arrears, you have the following payment options:

  • Payment in full of the outstanding balance
  • Payment of a sufficient amount to allow for the lien to be cancelled
  • Filing an extension agreement which allows payment over a two year period

If you do not arrange a payment plan with the City, the City can put your property up for sale after one year from the lien registration date.

The mortgage may go into default as most mortgages require property taxes to be current. Taxpayers may be contacted by the mortgage holder as to the next steps for the mortgage company which may include foreclosure.

Sale of Lands for Tax Arrears

After the one year redemption process:

  • A final letter is sent to the tax payer advising:
    • that the property will be on the next tax sale
    • when the property will be advertised
  • The City notifies all mortgage holders of the pending tax sale.
  • After the property sale, anyone registered on title except for provincial or federal liens loses their interest in the property.