The mortgagee does not need to apply for an order for those costs that he has a contractual right to recover out of the mortgage funds, and nor do those costs have to be assessed1. The mortgagor may make an application for the court to direct that an account of the mortgagee's costs be taken, and may then dispute an amount in the mortgagee's account on the basis that it has been unreasonably incurred or is unreasonable in amount2. Where a mortgagor disputes an amount, the court may make an order that the disputed costs be assessed3; and where
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