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By conducting a thorough search of the title and examining the title for any liens/claims, the buyer and Seller can have a peace of mind knowing that the property is free from any legal encumbrances which in turn protects both the parties involved in the transaction for a smooth and secure transfer of ownership.
Whether you’re a first-time home buyer or a seasoned investor, by taking into account the value of the property and location, you can determine the amount you will need for land transfer tax.
The mortgage documents outline the terms and conditions of the mortgage which serve as a legally binding agreement between the lender and the borrower ensuring both the parties are aware of the loan amount, terms of the mortgage, interest rates and any other additional fees.
Lawyers do not determine the price of the title insurance. The title insurance company exclusively determines the price of your title insurance premium based on property type, value of the property, mortgage type, mortgage amount etc.
An insurance binder is required to close your transaction. Fire insurance is required for your lender and we will not receive mortgage funds without your insurance binder. Speak to your insurance broker as they will be aware of such requirements wherein your lender must be noted as a loss payee.
Confirming that the property taxes are up to date and there are no arrears or outstanding payments due to the City.
We will take care of preparing the deed for your house ensuring that all necessary legal requirements are met and the transfer of ownership is handled correctly.
We will handle the exchange of legal documents and keys with the buyer’s lawyer making sure that the transaction is completed seamlessly.