ON Canada, before you missed the payment, speak to the bank as most of them allow a "skip a payment" program. If you speak with them, this will not hit your credit score and they will just add one more payment to your overall term. It is simple but you need to communicate with the bank.

You should contact your bank right away and explain your situation and arrange the missing mortgage payments asap. You should not have a problem if you do that. Make sure when ever you miss a payment to keep in touch with the bank and let them know what`s going on.

Yes, if you keep the bank in the loop when ever there is a problem and a payment will be delayed. Usually the bank is ok when you keep then in touch and make the payment at your earliest convenient. If you speak to your creditors you always can have a solutions which will give you some time to resolve the financial situation and to keep your mortgage.