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Rent Acceleration Path

Use this path when you are enforcing a lease clause to accelerate rent.

When to use this path

  • The lease allows rent acceleration and you intend to invoke it.

Important: Rent acceleration typically ends upon termination unless the lease explicitly allows it. If you invoke acceleration, you must generally proceed with termination steps and timelines.

Coverage note (plain language): Reimbursement for rent arrears is generally tied to amounts up to the termination date. Any accelerated balance beyond termination may need to be recovered through your own collections and mitigation efforts.

Before you start

Have ready: warranty number, lease, notices, arrears statement/account statement, and tenant communication log.

Steps + timelines

1) Document your enforcement and outreach (Operator)

Make a documented effort to resolve the balance directly with the tenant. Keep a record of:

  • Emails/call notes

  • Repayment discussions

  • Notices served

2) Notify Padder (time-sensitive)

Submit the Tenant Default Notification within 16 days of the payment’s original due date (or the period specified in the lease).

  • Select Rent acceleration as your planned enforcement path.

  • Recommended upload: tenant communication log.

3) Coordinate on next steps (Padder + Operator)

Padder will work with you to explore repayment options, facilitate communication, and document outcomes.

  • If resolution isn’t possible, Padder will confirm next steps based on the rent acceleration plan.

4) Serve termination notice (Operator)

Serve notice per lease terms and applicable statutory requirements.

5) Submit your Initial Request (time-sensitive)

Submit the Initial Request within 15 days of serving notice.

Required uploads (Rent acceleration):

  • Original signed lease agreement

  • Statement of arrears as of the termination date

  • Copy of the termination notice served to the tenant

6) Regain possession and mitigate (Operator)

Regain possession following legal procedures. Then make reasonable mitigation efforts (e.g., marketing to re-let) and keep proof.

7) Submit your Final Request (time-sensitive)

Submit the Final Request by the earlier of:

  • Re-renting the property, or

  • 90 calendar days from regaining possession

Required uploads (Final Request):

  • Final account statement (charges, payments, outstanding balance)

  • Evidence of mitigation (marketing/re-letting progress, if applicable)

  • Proof of vacancy costs (invoices/receipts, if applicable)

  • Proof of legal costs (invoices/receipts, if applicable)

Where to submit

Use the Padder Lease Protection — Reimbursement Centre forms:

  • Tenant Default Notification

  • Initial Request

  • Final Request

  • Monthly Continuation Form (only if instructed)

Common reasons for delay


    • Tenant Default Notification submitted after Day 16

    • Missing lease agreement or arrears statement

    • Initial/Final Request submitted outside the stated timelines

    • No mitigation evidence after possession is regained