Lender instructions
We need the relevant instructions and documents from the lender. Tell us about funding conditions and the date you hope to complete.
Ontario real estate
Refinancing an Ontario property?
Understand the legal steps before funds are released. A refinance can involve a new mortgage, a change of lender, existing debt payouts and updated title work. We review your lender’s instructions and property details, then confirm the legal work and signing arrangements for your Ontario transaction.
Get a refinance estimateHow we can help
Payouts and title
Existing mortgages or secured debts may need to be addressed. Identify the current lenders, owners and any proposed changes to ownership.
Funds and costs
The new loan amount is not necessarily the amount paid to you. Payouts, lender charges, legal costs and adjustments can change the balance.
Ask for an itemised refinance estimate
The estimate should distinguish legal fees, HST, registration costs and other expected disbursements. Lender fees, appraisal costs, payout charges and penalties are separate considerations. If the lender’s instructions, title issues or transaction structure change, additional work may be needed. Ask us to confirm inclusions and exclusions before work starts.
What happens next
Step 1
Share the refinance details
Send your property address, current mortgage information and the proposed lender or broker contact.
Step 2
Review instructions and scope
We confirm whether we can act, what the lender requires and the estimate for the legal work.
Step 3
Prepare documents and signing
Complete identity checks and follow the signing arrangements agreed for your file. Tell us if any owner will be outside Canada.
Step 4
Complete registration and payouts
We carry out the agreed legal work and explain the release of remaining funds and the closing report.
What to prepare
- Property address and names of the registered owners
- Current mortgage and secured credit-line details
- New lender or broker contact and proposed funding date
- Details of any required debt payouts or ownership change
- Information about an owner signing abroad, an estate or a power of attorney
Contact our office for secure sharing instructions. Do not send sensitive documents through an ordinary website enquiry.
Start with a clear scope
Request an itemised estimate for your transaction. We confirm legal fees, HST, estimated disbursements and the scope before work begins.
A booking or enquiry does not create a retainer for further work. Tell us about any deadline before relying on a scheduled meeting.
Get a refinance estimateYour questions
Does every mortgage renewal need the same legal work?
No. A renewal with the same lender, a lender switch and a refinance may involve different steps. Send the proposed arrangement so the work can be assessed.
Can I add or remove an owner during a refinance?
A proposed ownership change needs separate review, including lender requirements and possible tax or family-law implications. Tell us at the beginning rather than treating it as an administrative detail.
Can signing be done remotely?
We assess remote signing against your lender’s instructions, documents and identity requirements. Some circumstances require extra arrangements.
How quickly can a refinance close?
Timing depends on the instructions, documents, title matters, payouts and funding conditions. Call us if a date is close; we confirm whether the work can be accepted.
How do I confirm instructions about money?
Follow the verified instructions on your file. If banking details change, call the office at 519-999-9676 before transferring funds.
Read the official background information. General information only; advice depends on your circumstances.
