Series MS-3027 - Mortgage ledgers

The series consists of ledgers which record receipts and disbursements on mortgages administered by the company from 1886 to 1973. The volumes contain two-column account balance sheets, headed by mortgagor names, which record details including: mortgagor name and address, principal and payment amounts, terms of repayment, property valuation details, mortgage interest, accompanying insurance policy, privilege, mortgagee name, mortgagor title, mortgage registration number, assessment office, taxes paid, tax roll number, application number, and file, account, and ledger number. Sheets are arranged in rough alphabetical order by mortgagor name; tabs or indexes separate alphabetical sections. Geographic areas of the properties are: Victoria, Esquimalt, Metchosin, Helmcken, Goldstream, Saanich, Portland Island, Salt Spring Island, Shawnigan, Cowichan, Quamichan, Nanoose, Newcastle, Alberni, Vancouver, New Westminster and the Kootenays. Volumes appear to have been used in distinct sets. Set 1 is the earliest (1886 to 1899), consists of three volumes, and relates to mortgages, rentals, and general accounts. Unlike later ledgers, the account balance sheets are not arranged alphabetically or strictly chronologically, but an alphabetical index is included at the front of each volume. Volume 1 contains information on Pemberton family-owned mortgages; many of the mortgages appear to be financed by J.D. Pemberton. Volume 1 also contains balance sheets for general Pemberton & Son accounts including collections, capital, profit and loss, commission, office expenses, registration, cash and sundries, conveyancing, and insurance. Some volume 1 account balance sheets also refer users to newer ledgers for additional entries. Volume 2 more consistently lists details of the mortgaged properties and companion insurance policies. It also contains information primarily on mortgage or property rental accounts, rather than general office accounts. In Set 2 volumes contain ledger sheets as follows: Volume 4--mortgagors A-B; Volume 5-- mortgagors C-F; Volume 6--mortgagors G-K; Volume 7--mortgagors L-Mc; Volume 8--mortgagors N-R; Volume 9--mortgagors S-Z. All volumes in set 2 include indexes with related docket file numbers at the beginning of each alphabetical section. Volume 4 is missing its front cover and may be missing opening pages. In volume 5, a partial index for section G is included at the back of the volume, but without the corresponding ledger sheets for the section. Set 3: Volume 10 contains ledger sheets for mortgagors A-L; volume 11 for mortgagors M-Z. Geographic areas of properties are primarily Vancouver and the District of New Westminster. Mortgage ledger sheets in these volumes often include separate docket file numbers for the Vancouver and Victoria offices. All volumes include indexes at the beginning of each alphabetical section. Set 4: Volume 12 contains ledger sheets for mortgagors A-J, and volume 13 contains ledger sheets for mortgagors K-Z. All volumes in this set include indexes with related docket file numbers at the beginning of each alphabetical section. Set 5: Volume 14 contains ledger sheets for mortgagors A-C; volume 15 contains mortgagors D-L; volume 16 contains mortgagors R-Y. A volume that presumably includes mortgagors M-Q is missing. In addition to the above sets of volumes, the series consists of stand-alone volumes. Volume 18 includes ledger sheets for mortgagors A-Z, and volume 17 consists of a collection of loose, alphabetized mortgage ledger sheets from one or more unidentified volumes. Volume 19 contains ledger sheets for properties held primarily by the Pemberton Estate or its trustees, including F. B. Pemberton, Theresa Jane Despard Pemberton, and William Parnell Despard Pemberton. Volume 20 is a multi-purpose ledger containing three separate sets of alphabetical index tabs and four sections. The first section contains mortgage ledger sheets for Vancouver-area properties. The second section, preceded by an index, contains lists of client properties, F.B. Pemberton properties, tax sale properties, Pemberton & Son properties, Pemberton Estate properties, and client properties in Vancouver. The third section contains mortgage ledger sheets for Victoria properties, and the fourth section contains Vancouver-area properties. Volume 21 contains account balance sheets for early mortgages held by the Pemberton Estate, as well as rental properties and land sales pertaining to that estate. It is not arranged alphabetically or strictly chronologically, but an index is included at the front of the volume. The volume also contains investment information, and lists of mortgages, personal property, and real estate holdings. Numbers for related docket files (called folio numbers) occasionally appear on the left side of the balance sheets. Volume 22 contains Pemberton Estate entries on sheets divided between three separate sets of alphabetical index tabs. It appears that the different types of sheets found in the volume, headed by the fields "client," "property," or "mortgagor" serve the same purpose. The first section contains primarily "property" sheets, which include fields for the name of the property, value of land, value of buildings, taxes paid to, and insurance, and client account balance sheets. In addition to "property" and "client" ledger sheets, the first section contains balance sheets for general Pemberton Estate accounts including insurance, taxes, water, income, principal, and the Pemberton Block. The second and third sections contain mortgage ledger sheets and "client” sheets, which appear to be used interchangeably. Per the alphabetical index tabs, many pages from this volume were transferred to other ledgers. Volume 23 contains mortgage ledger sheets and brief real estate sales entries; both are arranged in rough alphabetical order by mortgagor or purchaser name. Multiple sales entries appear on a ledger sheet, and sales numbers are located in the left column beside each entry. The last part of the volume contains unindexed sheets headed by the fields "client" or "property," which appear to serve the same function as mortgage ledger sheets, in alphabetical order. Volume 24 contains ledger sheets with fields for sheet and account numbers, terms, name, address, rating, and credit limit. These sheets appear to serve the same function as mortgage ledger sheets. Sheets are arranged in rough alphabetical order by client name, and tabbed indexes with docket file numbers separate alphabetical sections. Per the index tabs, many of the ledger pages appear to have been removed or transferred to other ledgers. A list of "Credit Foncier Franco-Canadian Clients" is included. Two loose sheets at the beginning of the volume appear to be from another unidentified volume and record payments made between 1938 and 1946.Volume 25 is a collection of loose sheets, similar to those in volume 24, for clients or mortgagors A-Z from an unidentified ledger. The unindexed sheets are arranged in alphabetical order.