Prior Mortgage Deferral Going Into Refinance

[Michael Webster]

Hi everyone, I had accepted a mortgage deferral offer from my bank back in April of 2020 when the pandemic hit. I have two multi-units (occupy one), and I run vacation rental out of them and wasn't sure how everything would pan out. I am now refinancing with a different lender and my bank is charging me $11,000+- on each loan for interest I would have paid.  I just want to double check and make sure that was allowed with the Covid deferral rules?  I'm happy to add more info if needed, but the amount does seem to be in line with the prior year's interest paid.