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  • ABOUT
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647.812.8462

  • ABOUT
  • WHAT WE DO
    • REAL ESTATE
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What is a Separation Agreement in Ontario?

 

An Ontario Separation Agreement is a legally binding document that sets out the terms of your separation. It can cover things like child custody and access, child support, spousal support, division of property, and any other issues related to your separation.

Separation agreements are usually drawn up by lawyers, but you can also create your own agreement and get independent legal advice from a lawyer before you sign it.

 

When a marriage falters and begins to become a burden more than a blessing, ensuring a fair and justifiable separation is of critical importance. Finding a separation agreement lawyer to complete a clear yet thorough draft can spare both spouses and their loved ones from a number of headaches, such as deciding who is entitled to which investments.

At Beffa Law, in our family law practice we streamline a process that does not need to be any more stressful than it already is. Separations are never a comfortable subject for spouses or their families, but our careful and considerate approach to drafting agreements avoids complicating the process any further.

What is Child Custody?

 

It is important to understand the different types of child custody in Ontario before making any decisions about your family. There are two main types of custody: legal and physical. Legal custody refers to the right to make decisions about a child’s upbringing, including education, religion, and medical care. Physical custody, on the other hand, refers to where a child will live. Sometimes, parents can have joint legal and physical custody, which means they share these responsibilities equally. Other times, one parent may have sole legal or physical custody.

If you are going through a divorce or separation, it is important to get advice from a lawyer about child custody arrangements that would be in your child’s best interests.

The court will always make its decision about custody based on what is in the best interests of the child. There are many factors that the court will consider when making this decision, including:

  • The child’s age and stage of development
  • The child’s physical and mental health
  • The relationship between the child and each parent
  • The ability of each parent to provide for the child’s needs
  • The stability of each home environment
  • The parenting styles of each parent
  • The willingness of each parent to foster a positive relationship between the child and the other parent.

Can I change the Child Custody?

 

A court order is required to make any changes to an existing child custody arrangement in Ontario. The first step is to file a motion with the court, which will outline the proposed changes. Once the motion is filed, the other parent will be served with notice of the hearing date. It’s important to note that the courts generally prefer that parents come to an agreement on child custody matters without involving the court system. However, if the parents are unable to reach an agreement, the court will make a decision based on what is in the best interests of the child.

The courts will consider a number of factors when making a determination on child custody, including:

  • The child’s physical and emotional needs
  • The child’s age and stage of development
  • The ability of each parent to meet the child’s needs
  • The child’s views, if they can be reasonably ascertained
  • The parents’ past and present parenting abilities
  • The child’s relationship with each parent

What is Child Support?

 

When it comes to child custody and support, there are a few things you should know. First and foremost, child custody is not about who is the “better” parent. The court will make its determination based on what is in the best interests of the child. This means that the court will look at a variety of factors, including each parent’s ability to provide a safe and stable home environment, the child’s relationship with each parent, and each parent’s financial resources.

In terms of child support, both parents are responsible for supporting their children financially. How much each parent pays will depend on several factors, including each parent’s income and the amount of time the child spends with each parent.

The court will also consider any special needs the child may have, and the amount of time the child spends with each parent when making its determination.

If you are facing a custody or support issue, it is important to seek legal advice from an experienced family law. A family lawyer can help you understand your rights and options and ensure that your interests are protected.

Child Support Guidelines in Ontario

 

In Ontario, the amount of child support that a payor must provide is based on the Federal Child Support Guidelines. The Guidelines consider the income of both parents, the number of children involved, and the cost of living in the province.

The Guidelines are designed to ensure that children receive a fair level of financial support from both parents, regardless of which parent has primary custody. The goal is to help cover the costs associated with raising children, such as food, shelter, clothing, and education.

In cases where one parent earns significantly more than the other, the Guidelines may require that parent to pay a larger share of child support. This is because higher-income parents have a greater ability to provide for their children’s needs.

Child support payments

 

Child support is a monthly payment made by a parent to help with the costs of raising their child. In Ontario, child support payments are calculated using the Federal Child Support Guidelines.

The Guidelines consider several factors when determining how much child support should be paid, including:

  • the number of children involved;
  • the income of both parents;
  • any special needs of the children;
  • the amount of time each parent spends with the children.

The Guidelines are used to calculate what is called the “table amount” of child support. The table amount is the amount of child support that would be paid if the parents had equal shared parenting responsibilities for their children.

If one parent has sole custody of the children, the other parent will still be required to pay child support. However, the amount of child support may be different than the table amount, depending on the particular circumstances of the case.

Child support payments are usually made until a child turns 18 years old. In some cases, however, child support payments may continue after this age.

What is Matrimonial Home

 

Under the Family Law Act in Ontario, the matrimonial home is considered to be a special type of property. This is because it is the place where a married couple or common-law couple live, and it is often the most important asset that they own.

It is defined as the home that is owned by either spouse, or by both spouses jointly, and in which the couple resides at the time of separation. The matrimonial home has unique protections under the Ontario family law.

The act sets out specific rules about what happens to the matrimonial home when a couple separates or divorces. These rules are designed to protect both spouses, and to ensure that the best interests of any children who live in the home are taken into account.

If you are separating or divorcing, it is important to understand these rules so that you can make sure that your rights are protected and that you get what you are entitled to.

Why is the matrimonial home unique?

  1. The “matrimonial home” is strictly defined by the Family Law Act.
  2. Original ownership of the home becomes irrelevant after marriage.
  3. A matrimonial home can only be sold only if both spouses consent.
  4. Once a home is a “matrimonial home”, both spouses are equally entitled to take possession upon separation.
  5. The matrimonial home is treated differently when dividing assets on separation.
  6. Special protected status in Ontario – One spouse alone cannot (a) Lock the other spouse out of the matrimonial home; (b) Sell the home; (c) Mortgage or re-mortgage the home.

Property Division Separation Ontario

 

Splitting up property and assets during a divorce can be a difficult process, especially when there is a lot at stake. In Ontario, the Family Law Act sets out the general rules for dividing property between spouses. However, these rules are subject to certain exceptions and may not always result in an equal split.

The first step in dividing property is to determine what property is considered “matrimonial” and therefore subject to division. Matrimonial property includes any property acquired by either spouse during the marriage, regardless of how it is titled. This can include the family home, vehicles, savings accounts, investments, and furniture.

The second step is to determine the value of the matrimonial property. This can be done by hiring a professional appraiser or by using an online calculator. Once the value of the property has been determined, it will be divided equally between the two spouses.

If there are any debts associated with the matrimonial property, they will also be divided equally.

What is Spousal Support?

 

Spousal support is a payment made by one spouse to the other after separation or divorce. In Ontario, there are two types of spousal support: interim and final. Interim spousal support is paid during the divorce proceedings, while final spousal support is paid after the divorce is finalized.

To determine whether spousal support should be paid, and how much should be paid, the court will consider a number of factors, including:

  • The length of the marriage
  • The financial contribution of each spouse during the marriage
  • The needs of each spouse after separation or divorce
  • The ability of each spouse to pay spousal support
  • Each spouse’s salary

Income Tax Separation Ontario

 

If you’re thinking about separating or getting divorced, there are a few things you need to know about your income taxes. First, if you’re living in Ontario, you and your spouse will have to file separate tax returns. This means that you’ll each have to calculate your own taxable income and claim your own deductions and credits.

You’ll also have to report any income that you receive from your spouse, such as alimony or child support.

Second, if you have any dependent children, you’ll need to decide which parent will claim the child as a dependent on their tax return. The parent who claims the child as a dependent will be able to take advantage of certain tax benefits.

Independent legal advice Family Law

 

When it comes to family law, there is no one-size-fits-all solution. Every family is unique and so are their legal needs. That’s why it’s important to work with a lawyer who understands the complexities of Ontario family law and can provide sound legal advice that is tailored to your specific situation.

It is important to get independent legal advice when dealing with family law matters in Ontario. This is because the laws surrounding family law are complex and can be difficult to understand. An experienced lawyer will be able to explain the implications of the law to you and help you make the best decisions for your family.

There are a number of different aspects of family law that you may need advice on, such as child custody, child support, divorce, and property division. A lawyer can help you understand the different options available to you and what the implications of each option are. They can also help you negotiate with the other party involved in the dispute and represent you in court if necessary.

Financial Disclosure Separation Ontario

 

Financial disclosure is an important part of the divorce process in Ontario. It ensures that each spouse is aware of the financial situation of the other, and helps to prevent future disagreements about money.

Under Ontario law, both spouses are required to disclose their financial information to each other before a divorce can be finalized. This includes information about income,  debts, assets, and any other financial matters.

The disclosure process can be complicated, and it is important to seek legal advice before proceeding. A lawyer can help you understand the disclosure requirements and ensure that you are providing accurate information.

What is a Domestic Contract?

 

When you sign a domestic contract in Ontario, you and your spouse or partner are making an agreement about your property, support, and other family law matters.

A domestic contract can be used to:

  • set out the rights and responsibilities of each person in the relationship
  • make arrangements for support after the relationship ends
  • set out how property will be divided if the relationship ends
  • choose who will have custody of and access to any children of the relationship

A domestic contract can also be used to make changes to an existing court order or agreement.

Life Insurance Separation Agreement

 

The decision to separate is never easy, but it’s important to make sure you’re financially prepared for the road ahead. One of the most important things to consider is your life insurance coverage. If you and your spouse have a joint life insurance policy, you’ll need to decide what to do with it when you split up.

The Separation agreement outlines how the life insurance policy will be divided between the two parties, and how the premiums will be paid. It also includes provisions for how the death benefit will be paid out in the event of one party’s death.

Common law Separation Ontario

 

When a couple decides to get married, they are legally bound to each other in a number of ways. Ontario law recognizes both common-law relationships and marriage, and each has its own specific legal implications.

If you and your spouse or partner have decided to separate, you may want to consider a common law separation agreement. This type of agreement can help you protect your rights and interests during the separation process.

A common law separation agreement is a legally binding contract that sets out the terms of the separation.

It can cover issues such as spousal support, child custody and access, property division, and other financial matters.

It is important to note that common law separation agreements are not automatically enforceable in court. If you need to enforce an agreement, you will need to file a motion with the court and have a judge review the agreement.

If you are considering a common law separation agreement, it is important to seek legal advice from a qualified lawyer. A lawyer can help you understand your rights and obligations under the Ontario legislation.

Unbundled Family Law Legal Services Ontario

 

Unbundling legal services means that you can choose to hire a lawyer for only part of your legal issue. This option can save you time and money.

Some common examples of unbundled legal services include:

  • Reviewing and providing advice on documents that you have prepared yourself
  • Representing you at specific court hearings
  • Providing advice by telephone or email

Family Responsibility Office Ontario

 

The Family Responsibility Office (FRO) is a provincial agency that collects and enforces child support and spousal support payments in Ontario.

If you have been ordered by the court to pay support, the FRO will help you make your payments. They can also help you if you are owed support and need help collecting it.

The FRO offers a number of services to help families with their support payments, including:

  • automatic withdrawal from your bank account
  • arranging for regular payments through your employer
  • setting up a payment plan
  • enforcing support orders

If you are having trouble making your payments, the FRO can work with you to find a solution.

For responsive, approachable legal assistance in drafting and submitting a separation agreement, you can always count on us at Beffa Law. For more details about our process, or to discuss your needs in more detail, feel free to contact us today. We look forward to helping you start your separate new chapters with peace of mind and satisfaction.

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Portarit of Monica Beffa

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Brad Arsenault
Brad Arsenault
01:36 01 Jun 23
When making the choice of legal representation for my recent real estate initiative, I reached out to Monica Beffa... because she was located near me. A pleasant surprise!! Monica and her team took great care of my needs with crispness and thoroughness. A truly “Frictionless” experience. Thank you Monica and team for a great job! My wife and I are very happy with the services provided. I would recommend your services with confidence.read more
Ana
Ana
21:42 22 May 23
Monica is very knowledgeable, helped me with a very difficult family law case and I am very happy with the negotiated... result. I recommend her!!!read more
Alex Tiberiu
Alex Tiberiu
14:32 31 Jan 23
Highly recommended!We used Beffa Law's help with legal services on several occasions during the past few years: estate... planning, immigration, real estate, and notary services. Each time Monica & team made the experience seamless and quick, because they are very knowledgeable and efficient.Law in general can be quite confusing (maybe even intimidating?) and as a client it was very comforting to have the professionals at Beffa Law provide step-by-step guidance and advice.Thank you, team for your help during these years!read more
Andreea Tiberiu
Andreea Tiberiu
03:09 20 Jan 23
We had such a great experience with Beffa Law. Real estate law can be very confusing and, as a real estate client, the... firm helped us draft up legal documents in no time at all. We also did 2 wills which took a lot of understanding on our side and we’re so easily guided through the process. We even did power of attorneys which were very helpful and done fast. We will surely recommend Beffa Law for future clients.read more
Christina Zaharia
Christina Zaharia
23:30 17 Jan 23
Moni Beffa from Beffa Law is hands down the best professional I had the pleasure to deal with.She explains legal terms... in easy to understand language.The legal education that she provides on social media is very helpful.Thank you Moni!read more
Corina Alb
Corina Alb
22:23 28 Nov 22
We used Beffa Law for a Power of Attorney for my mom. Not only everyone was professional and efficient, but they were... very kind and patient, guiding us to the process and explainig all the options we had. I hereby recommend Mrs. Beffa wholeheartedly.read more
Marius Visan
Marius Visan
16:45 26 Oct 22
We looked for an emmigration lawyer to help us come to Canada,and thanks God we found out about Monica.She is a great... lawyer and a very easy person to talk with.She listens all your needs and help you with everythingWith her help we managed to get over the entire emmigration process and obtain our work permitsWe definetly recommend her!read more
James Cook
James Cook
16:35 19 Aug 22
Monica and her assistant Shirisha are second to none. They not only closed our deal. They also gave us peace of mind by... keeping us on track and in the loop and prepared us for what was next. I really cannot express just how they took care of us through a very uncertain situation. So grateful they were on our side.read more
Nicoleta Liber
Nicoleta Liber
00:03 09 Aug 22
We had the pleasure of working with Monica and her team twice already.The closing of our second property had some set... backs, but Monica and Shirisha were incredible through the whole process.They did an amazing job under tight schedule.Very professional, kind and great at communicating, making the whole process simple and smooth.We highly recommend them for their excellent service!Thank you, Monica and Shirisha!read more
Heather Byrne
Heather Byrne
19:57 25 Jul 22
I had the pleasure of working with Monica and her team for multiple legal transactions.She has always been available... for questions and ensuring that I understood my options. Monica us very efficient with the work and delivered in a timely manner.I highly recommend Beffa Law for all legal services.read more
Gabi CO
Gabi CO
20:58 07 Jul 22
I not only recommend Monica Beffa - Beffa Law, but I guarantee once you have used her service you too will look no... further. She responds in an extreme timely matter, she is a very knowledge and trustworthy person. There is no other lawyer that will work as hard for you. I used Monica Beffa for our family wills and as well for our real estate needs, she is a wonderful an competent lawyer could not have been happier and I will never go anywhere else.read more
Alcl Marinescu
Alcl Marinescu
20:40 07 Jul 22
We needed their services for a property acquisition and the whole process was smooth. Obviously there were some issues... from the seller side and Monica took care of them so we didn't "feel the pain".Anyhow, most of us are working "9 to 5" but Monica is working when you need her (we signed the documents after OUR working hours, when we were available).read more
Madalina Stroie
Madalina Stroie
18:55 05 Jul 22
We had the pleasure of working with Monica when we bought our first home in Canada.She was initially recommended to us... via a social network when we were looking for assistance on a totally different legal situation, so when we meet her face-to-face, we had the chance to better connect and realize she is a match for all our existent and potential legal issues, so we kept in touch.When we bought our first home, as ‘newcomers’ from and into a different country, we had of course many questions (some silly ones also), but we did appreciated that she and Shirisha (one of her employees), took the time to always get back to us and address all our queries. They were professional, advised us on the best course of action and our transaction was successfully completed without any issues.We are strongly recommend Beffa Law for any legal related situation.Thank you!!!Madaread more
Adrian Mihail
Adrian Mihail
11:50 05 Jul 22
Good service in a timely manner. Very easy to communicate and open discussions. Monica Beffa was able to explain to us... the very complicate lawyer's lingo in order to understand to documents we needed to sign.read more
Rawa
Rawa
03:41 24 Jun 22
I used Beffa law/Monica for immigration services. I dug myself a deep hole and had no hope on my PR application. There... was possibility of me getting deported.She took her time to go over the mess with me couple times and I just received confirmation that the application was approved. I can't recommend her enough.read more
Georgeta Vochin
Georgeta Vochin
03:11 04 May 22
Thank you Monica Beffa for your priceless help and professionalism on my legal matter!I am from London Ontario and I... need it advice from an unbiased lawyer on my issue!Not only that Monica surpassed my expectations but also she could relate to my issue giving the fact that we share the same culture, language virtues and integrity in many ways !To my fellow Romanian co-nationals and anyone in need of a truly professional legal advice,Monica Beffa Law is your Legal professional Business !I will always return ,if in need to your Law office!With Gratitude ,sincerelyGeorgeta VochinLondon Ontarioread more
Mădălina Popescu
Mădălina Popescu
22:18 16 Feb 22
Excellent communication and overall estate planning services at Beffa Law. We had all our questions answered promptly &... nothing was left unclear throughout the whole entire process. The office is very clean & conveniently located close to the highway for an easy in and out, and some of the touchpoints were accomplished over video call. We would go back to Beffa Law anytime should we need so in the future.read more
Maggie Dima
Maggie Dima
17:31 15 Feb 22
Extremely knowledgeable and prompt service. Monica is very easy to talk to and adaptable to meet. Highly recommended!... Thank you for your assistance.read more
Connie Iorga
Connie Iorga
10:57 21 Dec 21
Working with Monica and Shirisha has been a great pleasure! They were very responsive and informative in helping me... close my home. I would recommend them to anyone! Thanks again for your help!read more
Anca Manciu
Anca Manciu
12:55 01 Dec 21
We had a very complex deal that we were able to close only because Monica and her wonderful clerk Shirisha were very... knowledgeable, pacient and hard working. We want to thank you for all your hard working and dedication.We really appreciate it all .❤️read more
dumitru rachitan
dumitru rachitan
14:46 08 Oct 21
Very professional service
Adriana Dragomir
Adriana Dragomir
20:41 07 Oct 21
Monica Beffa and her team recently helped us sell our house. We had no idea what to expect from the entire experience... and, frankly, were slightly terrified of the legal side of things. We had many questions, some quite silly, but Monica's patience was absolutely incredible. Her pleasant and reassuring manner were so appreciated at such a stressful time! Her team is also extraordinarily responsive, an absolute pleasure to work with. Together, they helped make the transaction a quick, painless experience. We have recommended their services to some of our closest friends, will continue to do so, and will absolutely return to them for any future legal needs. Adriana & George D.read more
Julie Ivanchenko
Julie Ivanchenko
03:20 05 Oct 21
Monica was very professional and gave us great advice on the sale of our house. Whenever we called, she always had time... to give us answers to our questions to set our minds at ease.Thanks for looking after us so well!read more
Nela Svendsen
Nela Svendsen
22:40 17 Nov 20
Excellent service, very patient with us. We highly recommend Monica @Beffa Law!
G B
G B
17:35 16 Oct 20
Have been represented by this law firm in a couple of real estate transactions. Easy to deal with, professional, and... quick. Everything was a breeze, signing was virtual, and I felt my interests were well protected. Thank you, Monica & team!read more
Steve M
Steve M
12:16 16 Oct 20
I bought a home August 2020. Monica did a great job making it happen seamlessly.I’ll now be selling my existing home... in the next few weeks. I will definitely use Monica for that transaction.read more
Jeni Suciu
Jeni Suciu
23:09 15 Oct 20
Simply excellent. We could not have had a better experience.Thank you,Jeni si Marius Suciu
Daniela Deltov
Daniela Deltov
17:17 02 Sep 20
Mrs Monica Beffa is very professional, straight forward, systematic in establishing a successful strategy,... knowledgeable and she will do anything in her power to help you get the best results.She was kind and supportive during our interactions, helpful and responsive to all my questions, concerns, every step of the way.I highly recommend her services, do not hesitate to use Monica Beffa if you need Work permit, LMIA-exempt work permit, family sponsorship, visitor visa, immigration or citizenship application.read more
kit fla
kit fla
14:32 20 May 20
I highly recommend Monica, as her expertise gave me peace of mind and my case was solved without any additional... interference. She is firm when it comes to the case, yet friendly and patient when you talk to her.I will be looking for her help in the future!read more
Khaled Elshamouty
Khaled Elshamouty
21:30 14 May 20
Excellent and professional work. Communication was easy and fast.
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  2. All submissions must be entered during the official time frame of the promotion to be eligible.
  3. Sponsor reserves the right to remove and invalidate from this promotion posts, comments, or statements of wishes that Sponsor determines in its sole discretion are inappropriate.
  4. All federal, provincial and municipal laws apply. Winners will be notified through Facebook and Instagram and have 24 hours to redeem their prize. The return of any prize/prize notification as undeliverable or failure to respond to notices or return any documents in a timely manner, as determined by the administrator, may result in disqualification and an alternate winner may be chosen. By participating, participants agree to release, discharge, and hold harmless promotion parties from and against any and all liability or damages associated with this promotion or acceptance, use, or misuse of any prize received in this promotion. Promotion parties are not responsible for any typographical or other error in the printing of the offer or administration of the promotion. Acceptance of the prize constitutes permission for the Sponsor and their agencies to use the winner’s names and likenesses for purposes of advertising and publicity without further compensation unless prohibited by law. By participating in this promotion, participants agree to be bound by the Official Rules and decisions of Beffa Law, which shall be final in all matters relating to the promotion. Promotion parties are not responsible for lost, late, misdirected, stolen, illegible, inaccurate, damaged, incomplete, non-delivered, or postage-due mail; or for printing, distribution, or production errors or technical, hardware, software, or telephone malfunctions of any kind, lost or unavailable network connections, or failed, incorrect, incomplete, inaccurate, garbled or delayed electronic communications caused by the user or by any of the equipment or programming associated with or utilized in this promotion, or by any human, or other error, which may occur in this promotion. If in the administrator’s sole opinion, there is any suspected or actual evidence of tampering with any portion of the promotion, or if technical difficulties compromise the integrity of the promotion, Beffa Law reserves the right to void suspect entries and/or modify and/or suspend and/or terminate the promotion and/or conduct a random drawing to award the prizes in a manner deemed appropriate by the administrator. In the event of a dispute regarding the identity of the person submitting an entry, entries will be declared made by the name appearing on the online entry. Sponsor reserves the right to disqualify any individual who tampers with the promotion or website or acts in a disruptive manner. This promotion is offered only in Canada and is governed by the laws of the province of Ontario, Canada. By entering, entrants irrevocably consent to the sole and exclusive jurisdiction of the courts of the Province of Ontario for any action, suit, or proceeding arising out of or relating to this promotion.
  5. Waiver: By participating in this promotion, participant waives all rights to claim punitive, incidental, and consequential damages, lawyer’s fees, or any damages other than actual out-of-pocket costs incurred to participate. The Prize winners waive all rights and indemnify the Sponsor against any loss or liability resulting from the Grand Prize.
  6. Winners’ names will be posted on Beffa Law’s Facebook and Instagram Pages.
  7. Sponsor: Beffa Law Professional Corporation, 301-231 Oak Park Blvd., Oakville, Ontario, L6H 7S8, Canada.
  8. Facebook and Instagram are not sponsors of Beffa Law 12 days of Christmas Giveaway and any entrants agree to release both Facebook and Instagram from all liability related to the contest.
  9. Beffa Law reserves the right to modify, change, or cancel this promotion at any time, without notice.
  10. Disputes: Each entrant agrees that: (i) any and all disputes, claims, and causes of action arising out of or connected with Beffa Law’s 12 Days of Christmas, or any prizes awarded shall be resolved individually, without resort to any form of class action, and exclusively by the courts of the province of Ontario; (ii) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering the contest, or statutory damages, but in no event lawyers’ fees. All issues and questions concerning the construction, validity, interpretation, and enforceability of the Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the promotion, shall be governed by, and construed in accordance with, the laws of the province of Ontario, without giving effect to any choice of law or conflict of law rules which would cause the application of the laws of any jurisdiction other than the Province of Ontario.

 

REFINANCE
  • Review mortgage instructions for refinancing.
  • Conduct and review title searches for any defects in the title.
  • Conduct and review writ searches and execution searches.
  • Secure title insurance and all correspondence with the title insurance company.
  • Review mortgage instructions.
  • Draft all mortgage documents
  • Register mortgage documents.
  • Extensive correspondence with the lenders and banks.
  • Receive mortgage funds.
  • Review certificate of insurance.
  • Meet with client to explain and sign all legal documents
  • Close the refinance transaction and securely transfer the funds
  • Register mortgage on title
  • Open the refinance file and access to client portal
  • Report to client, lender & realtor about closing
  • One in person appointment or remote signing on zoom
  • After office hours appointment.

CLOSING COSTS &  NOT INCLUDED IN FEES;

  • Title Insurance (as per Invoice)
  • Registration Costs/ per Mortgage;
  • Software Charges;
  • Flat disbursements cost, title searches, writ searches, execution searches, bank charges, courier charges etc.

CALCULATE YOUR COSTS

OCCUPANCY
  • Acting for you in matters relating to your purchase of the property
  • Review the Agreement of Purchase and Sale
  • Conduct and review title searches for any defects in the title Submit requisitions on the title and review the responses
  • Search for arrears of taxes and obtaining a certificate
  • Confirm that utilities were in satisfactory standing and arranging for meters be read
  • Search for executions
  • Examine the draft deed
  • Review the statement of adjustments
  • Reviewing the documentation provided by the builder including warranties, declarations and vendor’s and purchaser’s undertakings, and verifying enrolment with Tarion Warranty Corporation
  • Draft documents and statements in accordance with Land Transfer Tax Act
  • Correspondence with the Condominium Corporation and obtain a Status Certificate and Certificate of Insurance and review the same
  • Meet with client to explain and sign all legal documents
  • One in person appointment or remote signing on zoom
  • Close the transaction and securely transfer funds
  • Register transfer

OTHER CLOSING COSTS

  • Software charges ;
  • Disbursements includes one title search

CALCULATE YOUR COSTS

TITLE TRANSFER
  • Complete the required documents and gather the supporting documents
  • Obtain appropriate legal advice for the tax and other implications of the title transfer
  • Review the forms for completeness and accuracy
  • Perform title searches
  • Obtain title insurance
  • Update the contents and fire insurance policy
  • Update ownership records in the utility bills
  • Advise current mortgage lender of the title changes
  • Get the title change documents registered and report them to the clients
  • Send information to the city’s tax department and condo property management of changes in ownership

CLOSING COSTS NOT INCLUDED IN FEES

  • Software charges
  • Flat disbursements cost – includes one title search
  • Registration Fee

CALCULATE YOUR COSTS

SALE
  • Review mortgage instructions for refinancing.
  • Conduct and review title searches for any defects in the title.
  • Conduct and review writ searches and execution searches.
  • Secure title insurance and all correspondence with the title insurance company.
  • Review mortgage instructions.
  • Draft all mortgage documents
  • Register mortgage documents.
  • Extensive correspondence with the lenders and banks.
  • Receive mortgage funds.
  • Review certificate of insurance.
  • Meet with client to explain and sign all legal documents
  • Close the refinance transaction and securely transfer the funds
  • Register mortgage on title
  • Open the refinance file and access to client portal
  • Report to client, lender & realtor about closing
  • One in person appointment or remote signing on zoom
  • After office hours appointment.

OTHER CLOSING COSTS 

  • Title Insurance (as per Invoice)
  • Registration Costs/ per Mortgage
  • One Mortgage payout with a Tier 1 bank
  • Software & office disbursements
  • Flat disbursements cost includes one title search

CALCULATE YOUR COSTS

PURCHASE
  • Review the Agreement of Purchase and Sale.
  • Conduct and review title searches for any defects in the title.
  • Submit requisitions on the title and review the responses.
  • Conduct and review writ and execution searches.
  • Secure title insurance and all correspondence with the title insurance company.
  • Examine draft transfer deeds and draft closing documents.
  • Review the statement of adjustments.
  • Draft documents and statements in accordance with Land Transfer Tax Act.
  • Draft documents to apply for first-time home buyer rebate for the client.
  • Correspondence with the lender and banks.
  • Review the certificate of insurance.
  • Meet with client to explain and sign all legal documents
  • Close the purchase transaction and securely transfer funds
  • Register transfer
  • Report to client, lender & realtor about closing
  • One in person appointment or remote signing on zoom
  • After office hours appointment

OTHER CLOSING COSTS

  • Land Transfer Tax
  • Title Insurance (as per invoice)
  • One Mortgage with a Canadian Tier 1 bank
  • Government Registration fees
  • Teranet and search fees;
  • Software fee and other office disbursements

CALCULATE YOUR COSTS

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