Support from offer review through closing day, including document coordination and key deadlines.
A home purchase or sale is exciting—but the paperwork and deadlines can feel intimidating. We’ll help you understand what you’re signing, what happens next, and how to get to closing smoothly.
Common situations we help with
You’re buying and want the offer reviewed or explained before you sign
You’re selling and want a smooth closing with clear communication
You’re working with a lender and need everything completed on time
You’re facing a tight closing timeline and need a practical path forward
What we do for you (scannable + practical)
Review key terms, conditions, and deadlines in your Agreement of Purchase and Sale
Coordinate documents with your realtor, lender, and the other lawyer
Complete standard searches and registrations
Prepare closing documents and explain what you’re signing
Confirm closing funds and “usual adjustments” so there are no surprises
Help you understand optional protections like title insurance where appropriate
How we help
1. Reviewing your situation and identifying what needs to be addressed
2. Drafting a separation agreement in plain, practical language
3. Reviewing an agreement proposed by the other party
4. Helping negotiate terms (especially when emotions are high)
5. Ensuring key legal requirements are met so the agreement holds up
6. Coordinating next steps once terms are settled (updates, signatures, etc.)
The buying & selling timeline
01
The offer
In Ontario, the “Offer” and the Agreement of Purchase and Sale are essentially the same. Once signed by both parties, it’s a legally binding contract—so it should not be signed until it’s fully understood.
Tip: One important clause to consider is a professional home inspection. A small cost upfront can prevent expensive surprises later.
02
When should you call a lawyer?
Your real estate agent typically prepares the agreement. Even with a skilled agent, it’s completely reasonable to contact a lawyer before signing if you have questions or concerns.
03
Closing preparation
We complete the legal searches, prepare documents, coordinate with the other side, and confirm the financial details needed to close.
04
Closing day + after
On closing, the deed/mortgage is registered and funds are exchanged. We’ll confirm what was registered and help ensure you understand the final paperwork.
Fees & Costs
Other possible costs
If a mortgage is being arranged, there may be administrative/appraisal fees, and lenders often require a location survey. If no current survey is available, you note a residential survey may cost $800–$1,200 depending on property size.
Title insurance may be available and can reduce some costs while still meeting lender requirements; you reference a title insurance cost range around $270 in your current content.
Adjustments
Adjustments are closing-day calculations (often property taxes and sometimes water/utility charges) prorated based on the closing date. If the home is oil-heated, there may also be an adjustment for the oil left in the tank. We’ll review the final numbers with you before closing.
Ontario land transfer tax (buyers)
In most Ontario purchases, land transfer tax is paid on closing and varies by price. If you’re a first-time buyer, you may be eligible for a refund (up to $4,000). We can help you understand what to expect, and you can also review the official Ontario information for details.
Disbursements
Disbursements are costs your lawyer pays on your behalf to complete the transaction. Your current guidance says:
Purchases: typically $300–$500
Sales: typically under $200
Legal fees
For standard residential purchase and sale transactions, you charge a flat fee and encourage clients to contact you for a quote. More complex transactions are priced based on complexity and time.
FAQ
Do I need a lawyer before I sign an offer?
If you have questions or concerns, yes—because once accepted, the Agreement of Purchase and Sale becomes a binding contract.
Is title insurance required?
Not always, but it can protect against certain title risks and may be helpful in some time-sensitive situations.
What should I budget for besides legal fees?
Disbursements, land transfer tax (buyers), potential lender fees, and possibly a location survey if required by your lender and not available.
What are “usual adjustments”?
They’re final calculations (often taxes/water and sometimes heating oil) that determine the balance due at closing, based on timing and what’s already been paid.