Encumbrance Fees
Every Mahogany property (land title) carries an annual encumbrance fee by law. It keeps the community’s shared beaches, lake, clubhouse and parks running.
First week of November
Emailed to the primary owner and co-recipients. Available in your member account.
Deadline is
December 31
Allowing 30+ days’ notice from the fee deadline. There are online and in-person payment options.
Late interest
fees apply
Facility access is suspended until your fees are in good standing. A 3% late fee applies monthly.
Based on CPI for September
The Statistics Canada CPI for Calgary, taken in September, sets the following year’s fees.
Ways to Pay
Pick which method suits you. Instructions for bank-specific Bill Payments are further down the page.
Online Bank Transfer
bill payment
Add MHOA as a bill payee in your bank’s online banking. Available for Encumbrance Fees only.
Credit Card
Online or by phone
Pay in member account. For assistance, call us at (403) 453-1221. A 3% convenience fee applies.
Debit or Cheque
in-person
Open 9:00 am – 10:00 pm daily. After hours, use drop box left of the catering doors. Tap not accepted.
By Cheque via Mail
post-dated
Payable to “Mahogany Homeowners Association”. Mailing: 29 Masters Park SE, Calgary, AB, T3M 2C1.
Pay by Online Bank Transfer
Add MHOA as a bill payee through your bank’s online banking. Only Encumbrance Fees can be paid this way.
Before You Start, You'll Need:
- Your Encumbrance Fee amount (see example)
- Your MHOA Account Number, found on your invoice (see example)
- The payee name your bank uses (shown below)
ATB
Online and active
Scotiabank
Online and active
RBC
Online and active
TD
Online and active
CIBC
Online and active
BMO
Online and active
Choose your bank
ATB Financial
ATB Financial customers can now pay Encumbrance Fees through online banking using bill payments.
Payee name (important)
"Mahogany Homeowners Association"
Search for “Mahogany” and select this name so payment is applied correctly.
1. Add MHOA as a payee
Mobile app
- Log in to the ATB Personal app
- From the Overview screen, tap Move Money
- Tap Pay a Bill
- On the Pay a Bill screen, tap Add to add a new payee
- In the Payees tab, tap + Add Payee
- In the Search for Payees field, type the first three letters of the payee name (“Mahogany Homeowners Association”)
- Select the correct payee from the list
- Enter your MHOA account number from your Encumbrance Invoice (see example)
- Tap Add
- You may be asked to verify your identity using two-factor authentication
Web banking
- Log in to ATB Personal
- From the Overview screen, click Move Money
- Click Bill Payments
- Click Add Payee
- In the Search for Payees field, type the first three letters of the payee’s name (“Mahogany Homeowners Association”)
- Select the correct payee from the list
- Enter your MHOA account number from your Encumbrance Invoice (see example)
- A payee nickname will be applied automatically
- Click Add Payee
- You may be asked to verify your identity using two-factor authentication
2. Make a one-time payment
Mobile app
- Log in to the ATB Personal App
- From the Overview screen, tap Move Money
- Tap Pay a Bill
- On the Pay a Bill screen, make sure the One-Time Payment tab is selected
- Select the account you want to pay from
- Select the payee you want to send payment to (“Mahogany Homeowners Association”)
- Enter the payment amount
- Leave the pay date (when) as is, or select a future date
- Tap Submit
- Review and verify the payment details
- Tap Pay Bill to complete the payment
Web banking
- Log in to ATB Personal
- From the Overview screen, click Move Money
- From the Move Money menu, click Bill Payments
- On the Bill Payments screen, ensure the One-Time Payment tab is selected
- Select the account you want to pay from
- Select the payee you want to send payment to (“Mahogany Homeowners Association”)
- Enter the payment amount
- Leave the pay date (when) as is, or select a future date
- Click Next
- Review and verify the payment details
- Click Pay Bill to complete the payment
Scotiabank
Scotiabank customers can now pay Encumbrance Fees through online banking using bill payments.
Payee name (important)
"Mahogany Homeowners Association"
Search for “Mahogany” and select this name so payment is applied correctly.
1. Add MHOA as a payee
Mobile app
- Tap Move Money
- Tap Pay Bills
- Tap Manage Bills
- Tap Manage Payees
- Tap Add New Payee
- Search for Mahogany (select “Mahogany Homeowners Assoc”)
- Enter your account/reference number (see example)
- Tap Add Payee
Web banking
- Select Move Money → Pay Bills
- Choose Add a New Payee
- Enter your ScotiaCard PIN when prompted
- Search for Mahogany (select “Mahogany Homeowners Assoc”)
- Enter your account/reference number (see example)
- Confirm and add the payee
2. Make a one-time payment
Mobile app
- Open the Scotiabank mobile app
- Tap Move Money
- Select Pay Bills
- Choose the account you want to pay from
- Select “Mahogany Homeowners Assoc” from your payee list
- Enter the payment amount and date
- Select Once under Frequency
- Review details, then Slide to Pay
Web banking
- Sign in at scotiabank.com
- Select Pay Bills from the home screen or Move Money menu
- From the One-Time tab, select “Mahogany Homeowners Assoc” from your payee list
- Select Continue
- Choose the account you want to pay from
- Enter the amount and date
- Review payment details
- Select Confirm to submit payment
RBC
RBC customers can now pay Encumbrance Fees through online banking using bill payments.
Payee name (important)
"Mahogany Homeowners Association"
Search for “Mahogany” and select this name so payment is applied correctly.
1. Add MHOA as a payee
Mobile app
- Open the RBC Mobile app
- Tap Move Money in the navigation bar
- Tap the Action button
- Tap Add a Payee
- Search for the company name (“Mahogany Homeowners Association”)
- Select the correct payee from the list
- Enter your MHOA account number from your Encumbrance Invoice (see example)
- Tap Save
- Once the payee is added, you can proceed to make a payment
Web banking
- Sign in to RBC Online Banking
- On the Account Summary page, find Quick Payments & Transfers on the right-hand side
- Click Add Payee
- Search for the company name (“Mahogany Homeowners Association”)
- Select the correct payee from the list
- Enter your MHOA account number from your Encumbrance Invoice (see example)
- Confirm the payee details to save
- After the payee is added, you can make a payment right away
2. Make a one-time payment
Mobile app
- Open the RBC Mobile App
- Tap Move Money in the navigation bar
- Tap Pay a Bill
- Select the account you want to pay from
- Select the payee you want to send payment to (“Mahogany Homeowners Association”)
- Enter the payment amount
- Follow the on-screen instructions to review and submit your payment
Web banking
- Sign in to RBC Online Banking
- On the Account Summary page, find Quick Payments & Transfers on the right-hand side
- Select the account you want to pay from
- Select the payee you want to send payment to (“Mahogany Homeowners Association”)
- Enter the payment amount
- Choose the payment date (leave the date as is to pay immediately, or select a future date)
- Ensure the frequency is set to Once for a one-time payment
- Review the details and follow the on-screen instructions to submit payment
TD Canada Trust
TD Canada Trust customers can now pay Encumbrance Fees through online banking using bill payments.
Payee name (important)
"Mahogany Homeowners Association"
Search for “Mahogany” and select this name so payment is applied correctly.
1. Add MHOA as a payee
Mobile app
- Open the TD Canada Trust mobile app
- Select Move Money from the navigation bar
- Select Bill Payments
- From the Bills screen, select Manage Payees
- Select the Add (+) icon in the top-right corner of the screen
- Type “Mahogany Homeowners Association” in the Search for Payees field
- Select the “Mahogany Homeowners Association” payee
- In the Payee Account field, enter your Account Number from your Encumbrance Invoice (see example)
- Select Continue at the bottom of the screen
- Review all information to ensure it is correct
- When your information is correct, select Add Payee
Web banking
- Sign in to TD EasyWeb Online Banking
- Go to the Accounts page and select the Pay Bills button from the left-hand menu
- On the Pay Canadian Bills page, select Add Payee
- Type “Mahogany Homeowners Association” into the Payee Name field
- Select the “Mahogany Homeowners Association” payee
- In the Payee Account field, enter your Account Number from your Encumbrance Invoice (see example)
- Select Next at the bottom of your screen
- Review all information to ensure it is correct
- Select Finish
2. Make a one-time payment
Mobile app
- Open the TD Canada Trust mobile app
- Tap the Pay a Bill quick link
- Choose which payee you want to send money to
- Enter the amount you want to pay
- Choose the account you want to pay from
- Select the calendar to choose the date you want the bill to be received
- Tap Confirm
- Confirm your payment information
- Tap Send Payment
Web banking
- Sign in to TD EasyWeb Online Banking
- Go to the Accounts page and select the Pay Bills button from the left-hand menu
- Find your payee on the Payment Center tab
- Confirm the account you want to pay from
- Enter the amount you want to pay
- Select the calendar to choose the date you want the bill to be received
- Select Make Payment to continue
- Confirm payment information and delivery date
- Choose Submit Payment
CIBC
CIBC customers can now pay Encumbrance Fees through online banking using bill payments.
Payee name (important)
"Mahogany Homeowners Association"
Search for “Mahogany” and select this name so payment is applied correctly.
1. Add MHOA as a payee
Mobile app
- Sign in to the CIBC Mobile Banking App
- Select Bill Payments
- Select Manage Payees
- Tap Add Payee
- Type “Mahogany Homeowners Association” in the Search for Payees field
- Select the “Mahogany Homeowners Association” payee
- Enter your MHOA Account Number from your Encumbrance Invoice (see example)
- Choose how you would like to receive your verification code
- Enter the verification code and select Continue
- Once the payee is added, you can proceed to make a payment
Web banking
- Sign in to the CIBC Online Banking
- Select Pay Bills
- Click Add Payee
- Type “Mahogany Homeowners Association” in the Search for Payees field
- Select the “Mahogany Homeowners Association” payee
- Enter your MHOA Account Number from your Encumbrance Invoice (see example)
- Choose how you would like to receive your verification code
- Enter the verification code and select Continue
- Once the payee is added, you can proceed to make a payment
2. Make a one-time payment
Mobile app
- Sign in to the CIBC Mobile Banking App
- Select Bill Payments
- Choose the account you want to pay from
- Select “Mahogany Homeowners Association” from your payee list
- Enter the payment amount
- Select Pay This Bill
- Review and confirm the payment details and date
- Your payment will be processed within 1-2 business days
Web banking
- Sign in to the CIBC Online Banking
- Select Pay Bills
- Choose the account you want to pay from
- Select “Mahogany Homeowners Association” from your payee list
- Enter the payment amount
- Review and confirm the payment details and date
- Click Submit to make your payment
- Your payment will be processed within 1-2 business days
BMO
BMO customers can now pay Encumbrance Fees through online banking using bill payments.
Payee name (important)
"Mahogany Homeowners Association"
Search for “Mahogany” and select this name so payment is applied correctly.
How to pay with BMO
Mobile app
- Sign in and select Pay a bill
You can find it in the Pay & Transfer section at the bottom of the account summary screen. - Add or choose a payee
If you want to add a new payee, select the plus icon to add their details. Once you’ve added them, they’ll always appear in your payees list. - Enter your payment details
Let us know what account you want to pay from, how much and when. Once you’re done, select Continue. - Confirm and pay
Take a minute to review the details of your payment. If everything looks good, select Confirm payment and you’re all done!
Web banking
- Sign in and go to Pay & Transfer
Sign in to Online Banking and select the Pay & Transfer tab from the menu at the top of your screen, and then select Account transfers. - Enter your details
Let us know who you want to pay, how much and when. Once you’re done, select Continue. - Confirm and pay
Take a minute to review the details of your payment. If everything looks good, select Submit Transaction and you’re all done!
Please note: payment instructions are based on information provided by each financial institution and may change at any time. Please refer to your bank’s website or online banking platform to confirm current instructions and ensure your payment is submitted correctly.
Common Questions
What happens if I miss the deadline?
Late payment and collection fees apply to any outstanding balance, and access to MHOA facilities is suspended until your encumbrance fees are in good standing. Amounts are in the fee schedule (PDF).
Can I pay with tap or Apple Pay?
Tap and Apple Pay are not available for Encumbrance payments. In person, you can pay by debit, cheque or credit card (a 3% credit card processing fee applies) at the Mahogany Beach Club, 29 Masters Park SE.
How long do bank transfers (bill payments) take to process?
Online bank transfers are processed by your bank and may take up to 3 business days to post. Please submit payments in advance of any deadlines.
Who receives the Encumbrance Fee invoice?
Encumbrance notices are emailed to the primary property owner and any specified co-recipients in the first week of November. The bill can also be downloaded from your member account that week. Open your member account
What if my cheque is returned?
A charge applies to any NSF cheque processed by the MHOA.
For Law Offices
Every law office must complete the Encumbrance Status Request form to finalize a Mahogany property sale.
Email the form to reception@mahoganyhoa.com to get the current encumbrance status amount.
Need help with a payment?
Our CSR team can help with online payments and any questions.
(403) 453-1221
What your fees invest in
Mahogany is complete with community parks, pathways, amenities and shared spaces, including Mahogany Lake and Beach Club. Encumbrance fees support the maintenance and operation of these community amenities for residents and their guests.
Encumbrance Fees Cover:
- Community events
- Discounted member rates on MHOA programs
- Discounted rental rates for MHOA facility bookings
- Winter ice and snow removal of city-owned wetlands and promenade areas
- Preventative maintenance of Mahogany's entry-way features
- Upkeep and maintenance of Mahogany Lake
- Annual restocking of Mahogany Lake with trout
- Purchase and maintenance of self-propelled watercrafts for use on Mahogany Lake
- Beachfront maintenance of Mahogany Beach Club, Main Beach, and West Beach
- Lawn maintenance of Mahogany Homeowners Association grounds and parks
- Ice resurfacing of Outdoor Rink (ODR) and recreational ice areas on Mahogany Lake, including a 2.4 km skating track
- And much more
