Home purchase
Purchase of a single-family residential home.
CHARGES INVOLVEDLegal fee, disbursements, title insurance, land transfer tax and registration charges.
REAL ESTATE
Residential and commercial real estate
I offer a wide range of services for residential real estate closings, and I assist businesses and individuals with commercial real estate.
RESIDENTIAL TRANSACTIONS
Clear quotes, with every charge listed up front.
Here is what each type of transaction involves, so you know what your quote will cover before you commit.
Condominium purchase
Purchase of a condominium unit.
CHARGES INVOLVEDLegal fee, disbursements, title insurance, land transfer tax and registration charges.
Home sale
Sale of a single-family residential home.
CHARGES INVOLVEDLegal fee, disbursements and transaction levy fee.
Condominium sale
Sale of a condominium unit.
CHARGES INVOLVEDLegal fee, disbursements and transaction levy fee.
Refinance
Refinancing an existing mortgage.
CHARGES INVOLVEDLegal fee, disbursements, title insurance and registration charges.
Commercial real estate
For commercial purchases, sales and other property matters, call the office to discuss your transaction and receive a quote.
Please note
- All fees are subject to HST.
- Additional charges may apply for writ verification, first-time home buyer rebate applications, or any work beyond a standard transaction.
HOW A PURCHASE CLOSES
From signed agreement to keys in hand
- 1
Send the agreement
Send us your signed Agreement of Purchase and Sale and your lender's details as soon as you have them.
- 2
Title search
We search the title and check for liens, executions and other registrations, and raise any issues with the seller's lawyer.
- 3
Mortgage and insurance
We receive your lender's mortgage instructions. You arrange home insurance and give us the policy details.
- 4
Sign and fund
You sign the closing documents a few days before closing and provide the balance of funds needed.
- 5
Closing day
Funds are exchanged, the transfer and mortgage are registered electronically, and your keys are released.
OTHER FILES
Selling, condos and refinancing
Selling your home
- We review your Agreement of Purchase and Sale.
- We obtain the payout statement for your existing mortgage.
- You sign the transfer and closing documents before closing.
- On closing we pay out your mortgage and send you the balance of the proceeds.
Buying a condominium
- We review the condominium status certificate, often a condition of the offer.
- We check common expenses, the reserve fund and any special assessments or legal actions.
- We explain parking and locker units and any rules that affect you.
Refinancing
- We receive your new lender's instructions and search the title.
- We pay out the existing mortgage and register the new one.
- You receive any remaining funds after closing.
WHAT TO BRING
For your signing appointment
- Two pieces of identification, one government-issued photo ID, for each person signing
- Your Agreement of Purchase and Sale and any amendments
- Your lender's contact details and mortgage commitment, if you are borrowing
- Home insurance details, if you are buying
- The funds for closing, as confirmed in your statement of adjustments
We confirm exactly what your file needs when we book the appointment.
REAL ESTATE QUESTIONS
When should I contact a lawyer when buying a home?
As early as you can, ideally before you sign the Agreement of Purchase and Sale, or as soon as it is signed. That leaves time to review conditions, the closing date and anything unusual in the agreement.
What is land transfer tax?
Ontario land transfer tax is paid by the buyer when the transfer is registered on closing. It is calculated on the purchase price. Brampton does not charge a separate municipal land transfer tax; the City of Toronto does.
Are first-time home buyers eligible for a refund?
Eligible first-time buyers can receive a refund of Ontario land transfer tax, up to a maximum set by the province. Eligibility depends on your circumstances, so tell us at the start if this may be your first home. Preparing the refund claim may add a small charge.
What is title insurance and do I need it?
Title insurance is a one-time policy that protects against certain problems with the title to a property, such as title fraud or some survey and work-order issues. Many lenders require it. We explain the policy and its cost as part of your quote.
What is a condominium status certificate?
A status certificate is a document from the condominium corporation about the unit and the corporation's finances, including common expenses, the reserve fund and any legal actions. Buyers often make their offer conditional on a lawyer reviewing it.
What happens on closing day?
The balance of the purchase price is sent to the seller's lawyer, the transfer and any mortgage are registered electronically, and the keys are released once registration is complete. We confirm with you when it is done.
General information only, not legal advice.
SPEAK WITH THE OFFICE
Buying, selling or refinancing?
Call for a quote on your transaction. Every charge is explained before you go ahead.