Buying, selling, or refinancing a home is likely one of the largest financial transactions you'll make, and small oversights can be costly. From reviewing your agreement to closing day, careful legal attention at every stage keeps your transaction on track and your interests protected. Through secure virtual consultations, I'll guide you through the process clearly, so you can focus on the move itself rather than the paperwork.
Residential Purchases
Agreement Review: Careful review of your Agreement of Purchase and Sale (APS) to help protect your interests before you sign or during the conditional period.
Title Search and Due Diligence: A thorough search of the property's title to identify liens, easements, or work orders before closing.
Residential Sales
Sale Documentation: Preparation and review of your Agreement of Purchase and Sale, and coordination of all documents required to complete the sale.
Payout and Discharge: Obtaining mortgage discharge statements and ensuring sale proceeds are accurately calculated and properly disbursed.
Mortgage Refinancing
Title and Charge Registration: Assistance with discharging your existing mortgage and registering a new charge on title.
Lender Coordination: Managing all legal instructions from your bank or credit union so funds are released on schedule.
Closings
Coordinated Closing: Liaising with your real estate agent, lender, and title insurance provider to manage final fund transfers.
Key Exchange: Overseeing the closing process so you can hand over or receive your keys with confidence.
Protecting the people you love and your legacy starts with the right legal foundation. A will ensures your estate is handled the way you intend. Powers of attorney ensure someone you trust can step in to make health and financial decisions on your behalf when you need it. Through secure virtual consultations, I'll help you put clear, properly executed documents in place for both.
Last Will and Testament
Asset Distribution: Clearly define how your property and personal belongings will be distributed, minimizing the potential for future family disputes.
Executor Appointment: Choose a trusted person to manage your affairs, pay outstanding debts, and carry out the instructions in your Will.
Guardianship for Minors: Ensure your children are cared for by the guardians of your choice.
Powers of Attorney (POA)
POA for Personal Care: Appoint a substitute decision-maker to handle healthcare, medical treatment, and housing decisions on your behalf if you ever become mentally incapable.
POA for Property: Designate someone to manage your finances, pay your bills, and handle your banking or real estate affairs if you are unable to do so yourself.
Coordinated Estate Package
Consistent Documents: Preparing your Will and both Powers of Attorney together ensures your appointed people and instructions are consistent across all three documents, avoiding conflicts or gaps.
Virtual Consultations: Review your drafts through secure video consultations. I will guide you through Ontario's requirements for signing, including its rules for virtual witnessing and counterpart execution.
Official notary and commissioning services to validate your legal documents, statutory declarations, and international paperwork. Get efficient, reliable support for your notarial needs.
Notarization of Documents: Verifying and signing true copies of original documents, academic transcripts, professional certifications, and travel consent letters.
Commissioning of Oaths & Affidavits: Administering oaths, affirmations, and statutory declarations for legal proceedings, insurance claims, or government applications.
Virtual Commissioning: Convenient, secure remote commissioning services via video conference, conducted in accordance with Ontario's legal requirements for remote commissioning, so you can complete your paperwork from home.