Background:
BTB Mortgage Investment Corporation applied for a deficiency judgment and assessment of costs following a mortgage foreclosure. The key issue was whether the mortgagee (BTB) properly added certain property management fees to the mortgage account.

Legal Issues:

• Whether BTB could claim nearly $10,000 in property management fees as recoverable costs.
• Whether the utility charges and other disbursements were adequately verified.
• Compliance with Rule 11-18 of The King’s Bench Rules, which requires disbursements to be properly proven by affidavit.
• Interpretation of The Land Contracts (Actions) Act, 2018 (Saskatchewan) regarding pre-leave costs.

Court’s Findings:

• BTB failed to provide clear, chronological, and verifiable documentation supporting the management fees.
• The plaintiff had multiple opportunities to submit proper evidence but failed to do so.
• Pre-leave costs were not awarded at the leave stage, meaning they could not be claimed later.
• The court emphasized its supervisory role in ensuring reasonable limits on foreclosure-related costs.

Outcome:
The court denied BTB’s claim for property management fees and ordered a new calculation of the deficiency judgment, excluding the disputed $10,000 in costs.