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Article

Real Estate Transactions and Vendor Take Back Mortgages

How to Protect Yourself as a Seller Traditionally, a buyer makes an offer to purchase a property and arranges financing through a lender (the usual primary lenders include CIBC, TD, RBC,...
Oct 2022
Article

Patent vs. Latent Defects in Real Estate Transactions

What are they and what you need to know A patent defect is a visible defect. It is something that is easy to see or observe. This might be a crack in the home, hole in the wall or broken win...
Sep 2022
Article

First Time Home Buyer Incentive Program

As part of Canada’s first ever National Housing Strategy (a 10 year, $70+ billion plan to strengthen communities and cut chronic homelessness in...
Sep 2022
Article

Four Benefits of a Shareholders’ Agreement

Last month, I wrote about some of the pros and cons of incorporating. If you have taken the plunge and have incorporated a business with multiple shar...
Sep 2022
Blog Post

Money Laundering in Real Estate - The Impacts of The Cullen Commission

The term money laundering often elicits dramatic images of suitcases stashed with wads of cash. However, many Canadians may be surprised to know that ...
Sep 2022
Article

What the Working for Workers Act, 2022 Means for the Construction Industry

With construction workers disproportionately affected by the opioid epidemic, the construction industry should take note of its new health and safety ...
Sep 2022
Article

Exemptions to Ontario Rent Control: The Ability to Increase Rents for New Residential Units Occupied After Nov. 15, 2018.

It may come as a surprise that not all Ontario rental units are subject to rent control. New buildings, additions to existing buildings and most new b...
Sep 2022
Article

Pros and Cons of Incorporating

Deciding which business structure is best suited to your needs can be a difficult task. In this article, we hope to provide some food for thought if y...
Aug 2022
Article

Conditional Agreements of Purchase and Sale: A Review of the “Sale of Buyer’s Property” Condition

With the shifting market, we are now seeing the return of conditional offers. The most commonly used conditions are for financing, home inspection or ...
Aug 2022
Article

Determining the Date for Assessing Damages in Real Estate Transactions

When a contract is breached, the innocent party may be entitled to damages for the costs they incurred as a result of the breach. In real estate trans...
Aug 2022
Article

2023 Annual Rent Increase

Given the rise of inflation, and general cost of living, it was only a matter of time for the Ontario Consumer Price Index to announce an increase in ...
Jul 2022
Article

Real Estate Transactions: What is a Chattel vs What is a Fixture?

Under an Agreement of Purchase and Sale (APS), the Buyer and Seller can agree to leave certain “moveable” items behind. These items are re...
Jul 2022
Article

Approaching Legislative Amendments Targeted to Improve Transparency and Consumer Protection in Real Estate Transactions

The traditionally discreet nature of real estate transactions is set to change with the implementation of the Trust in Real Estate Services Act, 2020 ...
Jul 2022
Article

Assignment Transactions and the Duty to Act in Good Faith

With the rising interest rates, we expect a corresponding increase of investors looking to offload their pre-construction condos to third parties prio...
Jun 2022
Article

Title Insurance vs. Home Insurance: What is the Difference?

Dear Friends, Purchasing a home is likely one of the largest investments that you will ever make in your lifetime. Therefore, as a homeowner, you want...
Jun 2022
Article

The “Off-Title Spouse” in a Real Estate Transaction

Dear Friends, I often receive a myriad number of questions when I discuss “off-title spouses” with clients. So, today I thought I elaborat...
Jun 2022
Article

Understanding the Purchase Transaction for Properties Sold Under a Tax Sale

Dear Friends, I hope you are all doing well and looking forward to a season of beaches, sunglasses, long days, and colourful clothing. Recently, I ha...
Jun 2022
Article

Deposit Protection for Pre-Construction Condominiums

With rising construction costs, increasing delays in the closing date and uncertainty around builder terminated agreements, prospective buyers are sta...
May 2022
Article

City of Toronto Calls for an Increase in Development Charges

Development Charges, Community Benefit Charges and Parkland Dedication Levies are some of the common adjustments that are associated with purchasing p...
May 2022
Article

What is Inclusionary Zoning and How Will It Affect Your Development?

Inclusionary zoning (IZ) is a regulatory tool intended to increase the availability of affordable housing by requiring developers to either contribute...
May 2022
Article

Buyer Beware: A Cautionary Note on Unconditional Agreements of Purchase and Sale

In this market, the pressures of purchasing a home are high. Amidst soaring prices and bidding wars, buyers are often led to submit unconditional offe...
May 2022
Article

Important Changes for Assignment Transactions: Proposed Change Effective May 7, 2022.

The Federal government is targeting assignment transactions in an effort to decrease speculative trading noting that “homes should be for people...
May 2022
Article

Important Incentives for First Time Home Buyers - Federal Budget 2022 Update

Are you a first time home buyer? If so, there are a few government incentives available to alleviate some of your costs.  1. Land Transfer Tax Re...
Apr 2022
Article

Federal Budget Update: 2022 - Property Flippers - Beware!

It is not uncommon for savvy investors to purchase property, renovate, and then resell for a gain. This process is known as “house flipping&rdqu...
Apr 2022
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