01
Family Law
Separation, divorce, parenting and support — handled with clarity when things are hardest.
Learn more
Overview
Purchases, sales, refinancing, title, mortgage enforcement and power of sale.
Real estate is where most people put most of their money, and the legal work is what decides whether that money is protected. We handle the transaction end to end — searching title, reviewing what you are actually buying, clearing what needs to be cleared, and closing on time — and we act for lenders enforcing their security when a mortgage goes into default.
Real Estate LawBuzi Law · Ontario
When to call
Any of these apply?
If one of these is true, the conversation is worth having now rather than after the next step is taken.
- Your offer has been accepted
- You are refinancing or switching lenders
- A lien or execution has turned up on title
- A mortgage you hold is in default
- You are buying with a partner, parent or corporation
- Closing is inside two weeks and no lawyer is retained
What we handle
The work, specifically.
01
Purchases and sales
Residential and commercial transactions, from agreement review through to closing and keys.
02
Refinancing and title transfers
New mortgages, transfers between family members, adding or removing a name, and severances.
03
Title searches and title insurance
Finding the liens, easements, work orders and encroachments before they become your problem.
04
Mortgage enforcement
Acting for lenders on defaults: demand, notice of sale under the Mortgages Act, and recovery.
05
Power of sale
Conducting the sale process correctly so the sale is clean and the surplus is properly accounted for.
06
Commercial transactions
Investment property, mixed-use, and small commercial purchases including due diligence and lease review.
Who we act for
The people on this file.
01
Buyers and sellers
Residential and commercial, first purchase or fifteenth, including purchases through a corporation.
02
Private and institutional lenders
Mortgage registration, and enforcement when a borrower defaults — demand through to power of sale.
03
Investors and landlords
Multi-unit and mixed-use acquisitions, refinancing, and restructuring how title is held.
How it runs
From first call to closed file.
01
Review before you are bound
Agreement review inside the conditional period — or before signing on a new build, where the statutory rescission window is very short.
02
Search and requisition
Title search, off-title searches, and requisitions to the other side's lawyer on anything that needs to be cleared before closing.
03
Lender instructions
Reviewing and satisfying the mortgage instructions, arranging title insurance, and preparing the statement of adjustments.
04
Close and report
Electronic registration, release of keys, and a reporting letter with your registered documents and title insurance policy.
Fees
What this costs
Standard purchases, sales and refinances are quoted as a fixed legal fee plus disbursements, and you receive the full figure — including land transfer tax and title insurance — before closing, not on the day. Mortgage enforcement and power of sale work is quoted per file, since the steps required depend on how the borrower responds.
Get a written estimateQuestions
Answered plainly.
Before you sign, not after. Once the agreement is firm, your options narrow sharply. A review before signing — or a proper conditional period — costs a fraction of what it costs to fix a bad agreement.
Beyond the purchase price: land transfer tax (and municipal land transfer tax in Toronto), legal fees and disbursements, title insurance, adjustments for taxes and utilities, and lender fees. We give you a full statement of adjustments before closing so there are no surprises on the day.
It is the process a lender uses to sell a property after a mortgage default, under the Mortgages Act. It is heavily procedural — notice periods, redemption rights and accounting for surplus all matter. Errors are expensive, which is why lenders retain counsel for it.
Yes. Electronic signing and remote verification of identity are standard in Ontario, so you do not need to be in the office — or in the province — to close.
Ontario permits it only in narrow circumstances, and it is generally poor practice. On a transaction of any size each side should have its own lawyer — the whole point is that someone is looking only at your interests.
It is the closing arithmetic: purchase price, deposit already paid, and adjustments for property tax, utilities and condominium fees the seller has prepaid or left owing. It determines exactly what you wire on closing day, which is why you should see it in advance.
Related
Other practice areas.
03
Estate Law
Wills, powers of attorney, probate and the administration of an estate.
Learn more
04
Immigration Law
Permanent residence, sponsorship, work and study permits, citizenship and appeals.
Learn more
Speak with a lawyer
Tell us what happened.
We will tell you where you stand.
A short conversation costs nothing and usually saves a great deal. You will get a straight answer about whether you have a matter, what it is likely to involve, and what it will cost.