Buying, Selling and Refinancing Across Ontario

Valid government-issued photo identification, your Agreement of Purchase and Sale with any schedules and amendments, your mortgage commitment letter if you are financing, proof of home insurance effective on the closing date, and confirmation of how your down payment and closing funds will be delivered. Additional documents may be required depending on the property and the lender.

It itemizes the credits and debits between buyer and seller as of the closing date, including prepaid property taxes, condominium common expenses and the deposit already paid, and it sets out the final balance due on closing. You receive it before closing so there are no surprises about the amount you need to send.

Your lawyer completes final due diligence, exchanges closing documents and funds with the other side, and registers the transfer electronically. Once registration is confirmed and funds have been released, keys are made available to you. Timing varies with each transaction and when mortgage funds arrive in our trust account.

Your closing is designed to be handled remotely, from document review and identity verification to video signing and electronic registration. If your circumstances require an in-person step, we will coordinate it clearly and conveniently for you.