Given the specific nuances of The Real Property Act of Manitoba, it is the position of the district registrar that a mortgage by some but not all of the joint owners of land has the effect of severing the joint tenancy.
Accordingly, prior to the registration of such a mortgage, a notice of intent to sever the joint tenancy will have to be served by the party mortgaging their interest on all of their co-joint tenants. Once this has been done, proof of the service attached to a request to sever the tenancy and issue titles accordingly will have to be registered. Once the joint tenancy has been severed, the mortgage by one of the owners can then be registered.
See sections 79(1)-(5), The Real Property Act