(905) 475-9716
The purchase of a home is probably one of the largest and most important acquisitions that you will make in your lifetime. I will be available to you throughout the processing of the entire transaction to guide you and ease any concerns that you may have.
I will utilize my 38 years of experience to provide you with all the legal counsel, support and direction that you may require, from start to finish.
I will be in contact with you throughout the process to ensure that you are moving forward in a timely matter in obtaining mortgage approval, home insurance, opening utility accounts, and other matters related to your specific transaction.
I will review your agreement of purchase and sale and conduct a search of title to ensure that you obtain title free and clear of encumbrances. I will also arrange for title insurance, and a tax certificate. I will prepare all purchase and mortgage documents and personally review them with you. After the closing, I will also inform the local municipal tax office of the change in ownership of your property.
In the event you are refinancing an existing mortgage, I will obtain discharge statements, register the new mortgage, arrange for title insurance, and request your assistance in obtaining production of a binder letter of insurance endorsing the interest of your lender.
I provide knowledgeable, respectful and informative service which is personalized to meet your individual needs, whether you are a first time buyer, or an experienced buyer or seeking mortgage financing.
For information regarding land transfer tax, non-resident speculation tax, first time home buyers, and other useful information, please click on the links below.
http://www.fin.gov.on.ca/en/tax/ltt/
http://www.fin.gov.on.ca/en/bulletins/nrst/nrst.html
I will review your agreement of purchase and sale, prepare all necessary sale documents, and obtain discharge statements to discharge your mortgage or line of credit which may be registered on title. Any discharge statements will be reviewed with you prior to closing to ensure that you agree with the balance outstanding, and are made aware of any penalties due to your lender. I will disburse all funds that may be required to discharge your mortgage, and pay any balance due on your commission from the proceeds of sale.
I am available to answer all of your questions throughout the process of all real estate transactions, whether they involve a purchase, sale, refinancing, and estate conveyancing. I will bring a practical and solution based approach to your closings.
If you are considering making a will and/or powers of attorney, I will take your instructions personally, raise issues for your consideration, and address any concerns that you may have in order that you may make intelligent decisions for your future.
I prepare Continuing Powers of Attorney for Property, and Powers of Attorney for personal care. I will review the purpose of each document with you and ensure that each document is properly executed.
For information regarding powers of attorney and wills, please click on the link below.
https://www.attorneygeneral.jus.gov.on.ca/english/family/pgt/livingwillqa.pdf
In estate matters, I will review the will of the deceased person with you, and determine whether it is necessary for the estate to be probated. If probate is required, I will assist you in determining the value of the estate for probate purposes, taking into account any permitted exclusions from the value. I will discuss probate fees with you. I will provide all documents that may be required to obtain a Certificate of Appointment of Estate Trustee with a Will which the Estate Trustees will require in order to deal with some of the assets of the deceased person. Once the Certificate has been obtained, I will take your instructions regarding the level of my professional involvement in the administration of the estate.
For information regarding the estate administration tax, general matters relating to obtaining to the application for a Certificate of Appointment of Estate Trustee with or without a Will, please click on the link below.
https://www.attorneygeneral.jus.gov.on.ca/english/estates/estates-FAQ.php
I can provide you with notarial/certified copies of a variety of documents, such as invitation letters to family members living abroad, consent to travel letters from parents for their children to travel, notarial copies of death certificates, degrees, transcripts, passports, drivers licences and other forms of identification.
Irene L. Matthews, Barrister, Solicitor, Notary Public
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Suite 104, 7225 Woodbine Ave., Markham, Ontario, L3R 1A3
(905) 475-9142