Each bank will have it's own hotline to call. BMO is 1-877-788-1923
You'll talk to a human and based on your circumstances, a tailored relief plan will be put in place for you.
It's at no extra interest or fee. Simply, your mortgage is on "pause" for however many months, up to 6, and those months will get added to the end.
Example: If your mortgage is set to be paid off January 2030, it'll be paid off June 2030.