Ontario law requires mortgage documents to be registered on title, and lenders and borrowers require a lawyer to ensure the mortgage is properly prepared, signed, and registered to protect their security interest. 

Typically one lawyer can represent both an A lender and a borrower. However, if you intend to borrow from a private lender, you would each require to retain your own lawyer unless the value of the loan is less than $75,000.00

It depends on how quickly lender’s instructions and client documents are completed. 

Title insurance is not mandatory but most lenders require it, and we strongly recommend it to protect against title defects and fraud.

We will review any existing registrations and coordinate discharge or subordination as needed during the refinancing process and as instructed by the lender. 

Yes, we offer virtual signing appointments using secure e-signing technology if needed. However, if you would not be in Toronto to sign documents at the time of closing, it may be good idea to prepare a power of attorney to someone that you trust prior to your departure. 

Sometimes, yes — but often lenders will require new title insurance coverage specific to the new mortgage. We will review this and advise you.

Yes, we act for borrowers and private lenders in private financing transactions and prepare all necessary documentation

Yes, in most residential and standard mortgage transactions with A lenders in Ontario, one lawyer can act for both the borrower and the lender.

We will always inform you if separate legal representation becomes necessary.