Friendly neighbourhood

Dedicated attention for your home.

Selling, buying, and remortgaging your home is a big deal. Work with a lawyer who has your best interests as their only priority.

buying a home
Buying

Buying a home is exciting! Work with a team that does this every day and make your move with confidence.

selling your home
Selling

Selling your home can be stressful. Choose an expert legal team to complete the sale without worry or hassle.

refinancing your mortgage
Refinancing

Getting a new mortgage? Eliminate surprises. Let us review your mortgage terms before you sign.

Transferring ownership of your home
Agricultural

Farm, agricultural, agri-business, and rural real estate transactions need expertise and care. We can help!

many other transactions
Other Stuff

We handle title transfers, leases, purchase and sale agreements, even reviews of non-standard clauses!

Things can go wrong. In fact, they do go wrong.

Breach of contract, title defects, trouble with financing, disclosure problems, issues that arise after a home inspection, hiccups on closing day – so much can go wrong. Our Pathway Law real estate team catches and addresses setbacks before your agreement is derailed.

It’s impossible to eliminate every snag, but working with an experienced team that has seen juuuuust about every problem before means you can keep your cool about your deal.

Loving the process
Man and his best friend feeling settled at home

Know what’s next.

Our experienced team at Pathway Law will keep you up to date with what is happening and what is next. You can relax while our team handles the paperwork and deadlines.

From contracts to closing, avoiding costly mistakes isn’t just a good idea, it’s mission critical.

As a starting point, you will need a valid Agreement of Purchase and Sale, a deed or transfer of land, a statement of adjustments, and a direction regarding funds. You may also need other documents depending on your situation, like a mortgage discharge, a survey, or a power of attorney. Your real estate law team will take the lead with filing any required documents and will keep you informed through the entire process.

There’s no way around it – it’s expensive to sell your home! Some of the costs include commission to your real estate agent, the cost of the legal work and the disbursements connected to the sale of your property, mortgage discharge fees, property taxes, utilities, property maintenance up to the transfer of the property to the new owners, and moving expenses. Before you list your home talk to a real estate agent about commission and other fees, and work with a law firm, like Pathway Law, that provides a written quote for your transaction.

It might be obvious to say that buying a home will cost a lot of money. But the cost of the home isn’t the only thing you can expect to pay. Costs include land transfer tax (which may be rebated for first-time home buyers in Ontario), legal fees and disbursements, mortgage fees and interest, property taxes, utilities, insurance premiums, hiring a professional cleaning service, moving expenses, and new furniture if the home is larger than your current one. Before making an offer, take time to add up these costs, and ask for written estimates when possible to give you a better idea of the full cost of moving.

As the home buyer, you are often the one to absorb additional costs if they come up. This is hardly talked about, but is crucial to understand, and it applies even when refinancing your mortgage. A good lawyer, and especially an experienced one, will advise you if something is out of the ordinary with the contract, the mortgage terms, or the property. Your lawyer can save you so much extra unplanned expense when they act thoroughly and with your best interests exclusively in mind.

As a seller, you have a duty to disclose any material defects or issues that may affect the value or use of the property. You may also be liable for any breaches of warranty or representation that you make in the Agreement of Purchase and Sale. Consult with your lawyer to ensure that you comply with all your legal obligations and avoid any potential claims or disputes.

As a buyer, you have a duty to conduct due diligence on the property you are buying. If you are buying a home with the services of a real estate agent, they will be a help in this process. But have in mind that the responsibility remains exclusively yours. Verifying the legal title, zoning, environmental condition, structural integrity, working order of any appliances, fixtures, chattels, etc. all become your job. You may also be liable for any breaches of contract or representation that you make in the Agreement of Purchase and Sale so it’s even a good idea to have your lawyer review any major agreements before signing. You should work closely with your lawyer to ensure that you comply with all your legal obligations and avoid any potential claims or disputes As for the stuff we handle every day – like title searches and zoning restrictions, you can trust us to have that covered.

Title insurance is protection against financial loss from defects in title. Title defects can include anything from liens, encumbrances, easements, restrictions, errors, frauds, and other issues, all of which affect the ownership or ability to transfer the property. It is always a good idea to purchase title insurance and Pathway Law will always encourage and recommend you purchase it as part of your transaction.

Refinancing your mortgage means replacing your existing mortgage with a new one that has different terms and conditions. There are lots of reasons to refinance your mortgage, like lowering your interest rate, changing your amortization period, consolidating debts, accessing equity, or switching lenders. Your lawyer can look over the terms of any mortgage agreement and explain benefits, pay down privileges, and alert you to any restrictions, lock-in clauses, penalties, and anything else that you should be aware of before signing.

You want a lawyer who has experience and expertise in residential real estate transactions, and who also has context and knowledge of the full scope of real estate law. You want someone who can clearly explain the legal process and your obligations, and who can protect your interests and rights because they know where the tricky spots are to look out for. Ask for referrals from friends, family, or your real estate agent, and search online for reviews and ratings to get other recommendations. Ultimately, you want to work with the lawyer you want to work with. It sounds funny to say, but it’s true! Give us a call and get to know us. We are sure we will win you over!

For most people, their home is the single largest asset they own. That’s something worth protecting.

Let us help you get moving.