The Saskatchewan Personal Property Registry (SPPR) provides an easy and convenient way to search and register interests (liens) against personal property, giving you peace of mind as a buyer or lender.
A quick search of the registry for outstanding liens will protect you from buying someone else’s debt. If the debt goes unpaid, a secured party or creditor may seize the property from you to settle the debt.
Before you buy, you can search for the item in our registry either by serial number (for goods like motor vehicles, boats, mobile homes, trailers, aircraft and snowmobiles) or by debtor name (for moveable assets like stocks, bonds, crops and fixtures).
The SPPR allows a creditor or secured party, such as a seller or lending institution, to register a financing statement indicating an interest in the personal property of a buyer or a debtor. By registering in the SPPR, you are ensuring that your interest in that good is protected. For example, you will be protected against another party's claim to have a stronger legal right to the property.
The SPPR also serves as the entry point for the Summary Offence Procedure Act for the enforcement of parking fines, and for the Judgment Registry, a database containing active judgments registered against goods and lands.
Most Common Types of Liens
- Security Agreement – is an agreement between a debtor and a creditor where the creditor agrees to lend the debtor money on the condition that the debtor gives property as collateral. For example, a person goes into a car dealership and buys a car. The dealership has the buyer sign an agreement that says the dealership can take the car back if the buyer defaults on their payments.
- Commercial Lien – is an interest in goods held by a person who either provides labour, services or materials to repair/improve goods, store goods or transport goods. For example, a person takes a car to a mechanic for repairs, but does not pay the mechanic’s bill. The mechanic has a commercial lien on the car by virtue of having performed repairs on it (formally known as a garage keepers' lien).
- Enforcement Charge - Provincial Judgment – is a type of judgment obtained from a provincial court, the Court of Law against goods and land in the province of Saskatchewan. This judgment type replaces a provincial writ of execution, which is no longer used.