{"id":3603,"date":"2026-10-09T04:15:28","date_gmt":"2026-10-09T04:15:28","guid":{"rendered":"https:\/\/waseerlaw.ca\/staging\/free-tools\/"},"modified":"2026-10-09T22:48:14","modified_gmt":"2026-10-09T22:48:14","slug":"free-tools","status":"publish","type":"page","link":"https:\/\/waseerlaw.ca\/staging\/free-tools\/","title":{"rendered":"Free Tools"},"content":{"rendered":"\n<style>\n#wl-home{margin:0}\na{color:#482a80}a:hover{color:#351f60}\n.wrap{width:100%;max-width:min(1680px,94vw);margin:0 auto;padding:0 clamp(16px,2.5vw,40px);box-sizing:border-box}@media (max-width:700px){.wrap{max-width:100%}}\n.g2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}\n.g3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}\n.navlinks{display:flex;gap:28px}@media (max-width:1180px){.navlinks{gap:18px;font-size:15px!important}}\n@media (max-width:900px){.g3{grid-template-columns:repeat(1,minmax(0,1fr))}.navlinks{display:none}}\n@media 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href=\"https:\/\/waseerlaw.ca\/staging\/free-tools\/\">Free Tools<\/a><a href=\"https:\/\/waseerlaw.ca\/staging\/blog\/\">Insights<\/a><a href=\"https:\/\/waseerlaw.ca\/staging\/events\/\">Events<\/a><a href=\"https:\/\/waseerlaw.ca\/staging\/about-us\/\">About<\/a><a href=\"https:\/\/waseerlaw.ca\/staging\/contact-us\/\">Contact<\/a><a href=\"https:\/\/portal.waseerlaw.ca\/widget\/group\/PffBLx3nbiX2meRohikm\" style=\"color:#482a80;font-weight:700\">Book a consultation<\/a><\/nav><\/details><\/div><\/header><main><div id=\"wt\">\n<section class=\"wrap\" style=\"padding-top:64px;text-align:center;display:flex;flex-direction:column;gap:12px;align-items:center\">\n<span style=\"font-size:17px;font-weight:600;color:#6e6e73\">Free tools<\/span>\n<h1 style=\"margin:0;font-size:64px;line-height:1.05;font-weight:700;letter-spacing:-.03em\">Two minutes. <span style=\"color:#482a80\">A clear next step.<\/span><\/h1>\n<p style=\"margin:0;font-size:21px;color:#6e6e73;max-width:680px;line-height:1.4\">Answer a few questions and see where you stand. When you are ready, a lawyer can take it from there.<\/p>\n<div style=\"display:flex;gap:8px;margin-top:12px;flex-wrap:wrap;justify-content:center\" id=\"wt-tabs\">\n<button class=\"pill on\" data-t=\"re\">Real estate costs<\/button><button class=\"pill\" data-t=\"path\">Immigration pathway check<\/button><button class=\"pill\" data-t=\"pr\">PR card checklist<\/button><button class=\"pill\" data-t=\"will\">Wills check<\/button><button class=\"pill\" data-t=\"fam\">Separation and property<\/button>\n<\/div>\n<\/section>\n<section class=\"wrap wt-sec\" id=\"wt-re\" style=\"padding-top:48px\"><div class=\"tool\">\n<div class=\"panel\">\n<span class=\"lbl\">Land transfer tax and closing costs<\/span><a href=\"https:\/\/waseerlaw.ca\/staging\/land-transfer-tax-calculator-london-ontario\/\" style=\"font-size:15px;font-weight:600;text-decoration:none;margin-top:-8px\">Full guide, rates and London examples \u203a<\/a>\n<div style=\"display:flex;justify-content:space-between;align-items:baseline\"><label for=\"rp\" style=\"font-size:17px;font-weight:600\">Purchase price<\/label><strong id=\"rp-t\" style=\"font-size:30px;letter-spacing:-.02em\">$650,000<\/strong><\/div>\n<input id=\"rp\" type=\"range\" min=\"200000\" max=\"3000000\" step=\"5000\" value=\"650000\" style=\"width:100%;accent-color:#482a80;height:28px\">\n<div style=\"display:flex;justify-content:space-between;font-size:13px;color:#6e6e73\"><span>$200,000<\/span><span>$3,000,000<\/span><\/div>\n<span style=\"font-size:15px;font-weight:600;margin-top:6px\">Where is the home?<\/span>\n<div style=\"display:flex;gap:8px;flex-wrap:wrap\" id=\"rc\"><button class=\"pill on\" data-c=\"london\">London and area<\/button><button class=\"pill\" data-c=\"other\">Elsewhere in Ontario<\/button><button class=\"pill\" data-c=\"toronto\">City of Toronto<\/button><\/div>\n<label class=\"chk\" style=\"font-size:16px\"><input type=\"checkbox\" id=\"rf\" checked>I am a first-time home buyer<\/label>\n<span class=\"fine\" style=\"font-size:13px\">First-time buyers must be a citizen or PR (or become one within 18 months), live in the home within 9 months, and never have owned a home anywhere.<\/span>\n<div style=\"background:#fff;border-radius:16px;padding:18px;display:flex;flex-direction:column;gap:4px\">\n<strong style=\"font-size:16px;margin-bottom:4px\">First-time buyer checklist<\/strong>\n<label class=\"chk\"><input type=\"checkbox\">Mortgage pre-approval in writing<\/label>\n<label class=\"chk\"><input type=\"checkbox\">Deposit ready (often due within 24 hours of acceptance)<\/label>\n<label class=\"chk\"><input type=\"checkbox\">Lawyer reviews the offer before you sign<\/label>\n<label class=\"chk\"><input type=\"checkbox\">Home inspection booked<\/label>\n<label class=\"chk\"><input type=\"checkbox\">Home insurance quote for closing day<\/label>\n<label class=\"chk\"><input type=\"checkbox\">Closing funds and land transfer tax set aside<\/label>\n<\/div>\n<\/div>\n<div style=\"display:flex;flex-direction:column;gap:16px\">\n<div class=\"card\">\n<div class=\"row\"><span>Ontario land transfer tax<\/span><strong id=\"r-on\"><\/strong><\/div>\n<div class=\"row\" id=\"r-onr-row\" style=\"color:#1f7a4d\"><span>Ontario first-time buyer refund<\/span><strong id=\"r-onr\"><\/strong><\/div>\n<div class=\"row\" id=\"r-mt-row\" hidden><span>Toronto municipal land transfer tax<\/span><strong id=\"r-mt\"><\/strong><\/div>\n<div class=\"row\" id=\"r-mtr-row\" style=\"color:#1f7a4d\" hidden><span>Toronto first-time buyer rebate<\/span><strong id=\"r-mtr\"><\/strong><\/div>\n<div style=\"display:flex;justify-content:space-between;align-items:baseline;background:#f1edf9;border-radius:16px;padding:18px;margin-top:12px\"><span style=\"font-weight:600\">Land transfer tax you pay<\/span><strong id=\"r-tot\" style=\"font-size:36px;color:#482a80;letter-spacing:-.02em\"><\/strong><\/div>\n<div style=\"display:flex;justify-content:space-between;padding:14px 0 0;font-size:15px;color:#6e6e73\"><span>Legal fee, title insurance, registration<\/span><span>In your quote<\/span><\/div>\n<div id=\"r-save\" style=\"margin-top:12px;background:#e7f6ec;color:#14532d;border-radius:14px;padding:14px 16px;font-size:15px;line-height:1.45\"><\/div>\n<\/div>\n<div class=\"soft\"><strong style=\"font-size:15px\">Get a written closing quote<\/strong><span style=\"font-size:15px;color:#3a3a3c\">Tell us your price and closing date and we will email your quote.<\/span><a class=\"btn\" href=\"https:\/\/waseerlaw.ca\/staging\/contact-us\/#form\" style=\"align-self:flex-start\">Request my closing quote<\/a><a href=\"https:\/\/portal.waseerlaw.ca\/widget\/booking\/yoGOqdDsKKvva6pU7xaw\" style=\"font-size:15px;text-decoration:none;font-weight:600\">Have us review your offer before you sign \u00b7 Book 60 minutes \u203a<\/a><\/div>\n<span class=\"fine\">Estimate only, not legal or tax advice. Single family home rates. Ontario rates since January 1, 2017; Toronto rates include graduated rates over $3,000,000 effective April 1, 2026. First-time relief at the maximums of $4,000 (Ontario) and $4,475 (Toronto).<\/span>\n<\/div>\n<\/div><\/section>\n<section class=\"wrap wt-sec\" id=\"wt-path\" style=\"padding-top:48px\" hidden><div class=\"tool\">\n<div class=\"panel\">\n<div style=\"display:flex;justify-content:space-between;align-items:center\"><span class=\"lbl\">Immigration pathway check<\/span><span style=\"font-size:14px;color:#6e6e73\" id=\"p-num\">Question 1 of 5<\/span><\/div>\n<div style=\"height:6px;background:#fff;border-radius:99px;overflow:hidden\"><div id=\"p-bar\" style=\"height:100%;background:#482a80;width:0%;border-radius:99px\"><\/div><\/div>\n<div id=\"p-ask\"><h2 id=\"p-q\" style=\"margin:6px 0 14px\"><\/h2><div id=\"p-opts\" style=\"display:flex;flex-direction:column;gap:10px\"><\/div><button id=\"p-back\" type=\"button\" style=\"margin-top:10px;font-family:inherit;background:none;border:none;color:#482a80;font-size:15px;cursor:pointer;padding:8px 0\" hidden>\u2039 Back<\/button><\/div>\n<div id=\"p-done\" hidden><h2 style=\"margin:6px 0 14px\">Programs worth discussing with a lawyer<\/h2><div id=\"p-res\" style=\"display:flex;flex-direction:column;gap:10px\"><\/div><button id=\"p-again\" type=\"button\" style=\"margin-top:10px;font-family:inherit;background:none;border:none;color:#482a80;font-size:15px;cursor:pointer;padding:8px 0\">Start again<\/button><\/div>\n<\/div>\n<div style=\"display:flex;flex-direction:column;gap:16px\">\n<div class=\"card\" style=\"gap:12px\"><strong style=\"font-size:22px\">Recommended next step<\/strong><span id=\"p-next\" style=\"font-size:17px;line-height:1.45\">Answer the questions to see what to discuss with a lawyer.<\/span><a class=\"btn\" id=\"p-cta\" href=\"https:\/\/portal.waseerlaw.ca\/widget\/booking\/db5UFd2oY6EOOaYmJQ4r\" style=\"align-self:flex-start\">Book a consultation<\/a><\/div>\n<span class=\"fine\">This check is general information, not legal advice, and does not tell you whether you qualify. Programs and rules change often. Only a lawyer reviewing your documents can assess eligibility.<\/span>\n<\/div>\n<\/div><\/section>\n<section class=\"wrap wt-sec\" id=\"wt-pr\" style=\"padding-top:48px\" hidden><div class=\"tool\">\n<div class=\"panel\">\n<span class=\"lbl\">PR card renewal checklist<\/span>\n<h2>When does your PR card expire?<\/h2>\n<div id=\"pr-opts\" style=\"display:flex;flex-direction:column;gap:10px\">\n<button class=\"opt\" data-k=\"more\">More than 9 months away<\/button><button class=\"opt on\" data-k=\"within\">Within the next 9 months<\/button><button class=\"opt\" data-k=\"expired\">Already expired, I am in Canada<\/button><button class=\"opt\" data-k=\"abroad\">Expired, and I am outside Canada<\/button>\n<\/div>\n<div id=\"pr-adv\" style=\"background:#fff;border-radius:16px;padding:18px;font-size:16px;line-height:1.45\"><\/div>\n<label for=\"days\" style=\"font-size:17px;font-weight:600;margin-top:6px\">About how many days were you physically in Canada in the last 5 years?<\/label>\n<input id=\"days\" type=\"number\" inputmode=\"numeric\" value=\"900\" style=\"font-size:20px;padding:14px;border:1px solid #d9d2e8;border-radius:14px;background:#fff\">\n<div id=\"days-box\" style=\"border-radius:16px;padding:16px 18px;display:flex;flex-direction:column;gap:4px\"><strong id=\"days-t\" style=\"font-size:17px\"><\/strong><span id=\"days-x\" style=\"font-size:15px;line-height:1.45\"><\/span><\/div>\n<\/div>\n<div style=\"display:flex;flex-direction:column;gap:16px\">\n<div class=\"card\"><div style=\"display:flex;justify-content:space-between;align-items:baseline\"><strong style=\"font-size:22px\">Your checklist<\/strong><span id=\"pr-count\" style=\"font-size:15px;color:#482a80;font-weight:600\"><\/span><\/div>\n<div id=\"pr-list\"><label class=\"chk\"><input type=\"checkbox\">Completed application (online or on paper)<\/label><label class=\"chk\"><input type=\"checkbox\">IRCC document checklist<\/label><label class=\"chk\"><input type=\"checkbox\">Two identical photos that meet IRCC specifications<\/label><label class=\"chk\"><input type=\"checkbox\">Copy of your current or expired PR card<\/label><label class=\"chk\"><input type=\"checkbox\">Copy of your passport and travel document pages<\/label><label class=\"chk\"><input type=\"checkbox\">Fee receipt ($50 per person)<\/label><label class=\"chk\"><input type=\"checkbox\">Travel history for the last 5 years<\/label><\/div>\n<span class=\"fine\" style=\"margin-top:8px\">IRCC changes forms and fees. Check the current list on IRCC&#8217;s website before you apply, or have us check it for you.<\/span><\/div>\n<div class=\"soft\"><strong style=\"font-size:15px\">Want us to file it for you?<\/strong><a class=\"btn\" href=\"https:\/\/portal.waseerlaw.ca\/widget\/booking\/VdRqcPiN7V9gmiAQvqiU\" style=\"align-self:flex-start\">Book 30 minutes \u00b7 $150<\/a><\/div>\n<\/div>\n<\/div><\/section>\n<section class=\"wrap wt-sec\" id=\"wt-will\" style=\"padding-top:48px\" hidden><div class=\"tool\">\n<div class=\"panel\" style=\"gap:12px\">\n<span class=\"lbl\">Is your family protected?<\/span><h2 style=\"margin-bottom:6px\">Six quick questions<\/h2>\n<div id=\"wq\"><\/div>\n<\/div>\n<div style=\"display:flex;flex-direction:column;gap:16px\">\n<div class=\"card\" style=\"gap:14px\"><span style=\"font-size:14px;font-weight:600;color:#6e6e73\">Your protection score<\/span><strong id=\"w-score\" style=\"font-size:56px;font-weight:700;letter-spacing:-.03em;color:#482a80\">0 \/ 6<\/strong><div style=\"height:10px;background:#f1edf9;border-radius:99px;overflow:hidden\"><div id=\"w-bar\" style=\"height:100%;background:#482a80;width:0%;border-radius:99px\"><\/div><\/div><span id=\"w-msg\" style=\"font-size:17px;line-height:1.45\">Answer all six to see your result.<\/span><div id=\"w-gaps\" style=\"display:flex;flex-direction:column;gap:4px;font-size:15px;color:#6e6e73\"><\/div><a class=\"btn\" href=\"https:\/\/portal.waseerlaw.ca\/widget\/booking\/VdRqcPiN7V9gmiAQvqiU\" style=\"align-self:flex-start;margin-top:6px\">Book a 30-minute wills consultation<\/a><\/div>\n<span class=\"fine\">General information for Ontario residents, not legal advice.<\/span>\n<\/div>\n<\/div><\/section>\n<section class=\"wrap wt-sec\" id=\"wt-fam\" style=\"padding-top:48px\" hidden><div class=\"tool\">\n<div class=\"panel\" style=\"gap:14px\">\n<span class=\"lbl\">Separation: property division estimate<\/span><h2 style=\"margin-bottom:4px\">Ontario equalization estimator<\/h2><span style=\"font-size:15px;color:#3a3a3c;line-height:1.5\">In Ontario, separating married spouses usually share the growth in their wealth during the marriage. The spouse with the higher net family property pays the other half the difference.<\/span>\n<div style=\"display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:16px\" class=\"fam-grid\"><div style=\"display:flex;flex-direction:column;gap:10px\"><strong style=\"font-size:17px\">You<\/strong><label style=\"display:flex;flex-direction:column;gap:4px;font-size:14px;color:#3a3a3c\">Assets on the separation date<input id=\"fya\" type=\"number\" min=\"0\" step=\"1000\" placeholder=\"0\" inputmode=\"numeric\" style=\"font-family:inherit;font-size:17px;padding:12px 14px;border-radius:12px;border:1px solid #d9d2e8;background:#fff\"><\/label><label style=\"display:flex;flex-direction:column;gap:4px;font-size:14px;color:#3a3a3c\">Debts on the separation date<input id=\"fyd\" type=\"number\" min=\"0\" step=\"1000\" placeholder=\"0\" inputmode=\"numeric\" style=\"font-family:inherit;font-size:17px;padding:12px 14px;border-radius:12px;border:1px solid #d9d2e8;background:#fff\"><\/label><label style=\"display:flex;flex-direction:column;gap:4px;font-size:14px;color:#3a3a3c\">Net worth on the marriage date, not counting a home you later lived in together<input id=\"fym\" type=\"number\" min=\"0\" step=\"1000\" placeholder=\"0\" inputmode=\"numeric\" style=\"font-family:inherit;font-size:17px;padding:12px 14px;border-radius:12px;border:1px solid #d9d2e8;background:#fff\"><\/label><label style=\"display:flex;flex-direction:column;gap:4px;font-size:14px;color:#3a3a3c\">Excluded property, such as an inheritance or gift kept separate<input id=\"fyx\" type=\"number\" min=\"0\" step=\"1000\" placeholder=\"0\" inputmode=\"numeric\" style=\"font-family:inherit;font-size:17px;padding:12px 14px;border-radius:12px;border:1px solid #d9d2e8;background:#fff\"><\/label><\/div><div style=\"display:flex;flex-direction:column;gap:10px\"><strong style=\"font-size:17px\">Your spouse<\/strong><label style=\"display:flex;flex-direction:column;gap:4px;font-size:14px;color:#3a3a3c\">Assets on the separation date<input id=\"fsa\" type=\"number\" min=\"0\" step=\"1000\" placeholder=\"0\" inputmode=\"numeric\" style=\"font-family:inherit;font-size:17px;padding:12px 14px;border-radius:12px;border:1px solid #d9d2e8;background:#fff\"><\/label><label style=\"display:flex;flex-direction:column;gap:4px;font-size:14px;color:#3a3a3c\">Debts on the separation date<input id=\"fsd\" type=\"number\" min=\"0\" step=\"1000\" placeholder=\"0\" inputmode=\"numeric\" style=\"font-family:inherit;font-size:17px;padding:12px 14px;border-radius:12px;border:1px solid #d9d2e8;background:#fff\"><\/label><label style=\"display:flex;flex-direction:column;gap:4px;font-size:14px;color:#3a3a3c\">Net worth on the marriage date, not counting a home you later lived in together<input id=\"fsm\" type=\"number\" min=\"0\" step=\"1000\" placeholder=\"0\" inputmode=\"numeric\" style=\"font-family:inherit;font-size:17px;padding:12px 14px;border-radius:12px;border:1px solid #d9d2e8;background:#fff\"><\/label><label style=\"display:flex;flex-direction:column;gap:4px;font-size:14px;color:#3a3a3c\">Excluded property, such as an inheritance or gift kept separate<input id=\"fsx\" type=\"number\" min=\"0\" step=\"1000\" placeholder=\"0\" inputmode=\"numeric\" style=\"font-family:inherit;font-size:17px;padding:12px 14px;border-radius:12px;border:1px solid #d9d2e8;background:#fff\"><\/label><\/div><\/div>\n<\/div>\n<div style=\"display:flex;flex-direction:column;gap:16px\">\n<div class=\"card\" style=\"gap:12px\"><span style=\"font-size:14px;font-weight:600;color:#6e6e73\">Estimated equalization payment<\/span><strong id=\"f-pay\" style=\"font-size:48px;font-weight:700;letter-spacing:-.03em;color:#482a80\">$0<\/strong><span id=\"f-who\" style=\"font-size:17px;line-height:1.45\">Enter both columns to see the estimate.<\/span><div style=\"display:flex;flex-direction:column;gap:4px;font-size:15px;color:#6e6e73\"><span>Your net family property: <strong id=\"f-ny\">$0<\/strong><\/span><span>Your spouse&#8217;s net family property: <strong id=\"f-ns\">$0<\/strong><\/span><\/div><span style=\"font-size:14px;color:#3a3a3c;background:#f1edf9;border-radius:12px;padding:12px 14px;line-height:1.5\"><strong>Deadlines matter.<\/strong> A claim is generally due within 2 years of a divorce or 6 years of separation, whichever comes first. Ask us about your dates.<\/span><a class=\"btn\" href=\"https:\/\/portal.waseerlaw.ca\/widget\/booking\/yoGOqdDsKKvva6pU7xaw\" style=\"align-self:flex-start;margin-top:4px\">Book 60 minutes \u00b7 $250<\/a><\/div>\n<div class=\"soft\"><strong style=\"font-size:17px\">Separation document checklist<\/strong><div id=\"f-list\" style=\"display:flex;flex-direction:column;gap:8px\"><label style=\"display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.4\"><input type=\"checkbox\" style=\"margin-top:3px;accent-color:#482a80;width:18px;height:18px\"> Marriage certificate and any marriage or cohabitation contract<\/label><label style=\"display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.4\"><input type=\"checkbox\" style=\"margin-top:3px;accent-color:#482a80;width:18px;height:18px\"> Tax returns and notices of assessment for the last 3 years<\/label><label style=\"display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.4\"><input type=\"checkbox\" style=\"margin-top:3px;accent-color:#482a80;width:18px;height:18px\"> Recent pay stubs or business income records<\/label><label style=\"display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.4\"><input type=\"checkbox\" style=\"margin-top:3px;accent-color:#482a80;width:18px;height:18px\"> Bank, investment, RRSP and TFSA statements for the marriage and separation dates<\/label><label style=\"display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.4\"><input type=\"checkbox\" style=\"margin-top:3px;accent-color:#482a80;width:18px;height:18px\"> Pension statements<\/label><label style=\"display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.4\"><input type=\"checkbox\" style=\"margin-top:3px;accent-color:#482a80;width:18px;height:18px\"> Mortgage, property tax and home value information<\/label><label style=\"display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.4\"><input type=\"checkbox\" style=\"margin-top:3px;accent-color:#482a80;width:18px;height:18px\"> Loan, line of credit and credit card statements<\/label><label style=\"display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.4\"><input type=\"checkbox\" style=\"margin-top:3px;accent-color:#482a80;width:18px;height:18px\"> A list of children&#8217;s expenses, such as daycare and activities<\/label><\/div><span id=\"f-count\" style=\"font-size:14px;font-weight:600;color:#482a80\">0 of 8 ready<\/span><\/div>\n<span class=\"fine\">Estimate only, under the Family Law Act (Ontario). It does not apply the special rules for the matrimonial home, valuation disputes, tax or other adjustments, and does not apply to unmarried couples. Not legal advice.<\/span>\n<\/div>\n<\/div><\/section>\n<style>@media (max-width:700px){#wt .fam-grid{grid-template-columns:1fr!important}}<\/style>\n<div style=\"height:96px\"><\/div>\n<\/div>\n<\/main><section class=\"wl-members\" aria-label=\"Memberships and regulators\" style=\"background: #482a80; padding: 44px 0\"><div class=\"wrap\" style=\"display: flex; flex-direction: column; gap: 22px; align-items: center\" dir=\"ltr\"><span style=\"color: #e4dcf5; font-size: 14px; font-weight: 600; letter-spacing: 0.04em\">Licensed, regulated and active in our community<\/span><div style=\"display: flex; flex-wrap: wrap; gap: 32px 52px; justify-content: center; align-items: center\"><img data-srcset=\"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/law-SOO-e1666806607216-300x65-1.png 1200w, https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/law-SOO-e1666806607216-300x65-1-980x212.png 980w, https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/law-SOO-e1666806607216-300x65-1-480x104.png 480w\" data-sizes=\"(max-width: 767px) 100vw, 50vw\" width=\"1200\" height=\"260\" decoding=\"async\" data-src=\"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/law-SOO-e1666806607216-300x65-1.png\" alt=\"Law Society of Ontario\" title=\"Law Society of Ontario\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/260;height: 46px; width: auto; max-width: 220px; object-fit: contain; display: block\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\"><img decoding=\"async\" data-src=\"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/04\/new.png\" alt=\"Ontario Bar Association\" title=\"Ontario Bar Association\" style=\"--smush-placeholder-width: 262px; --smush-placeholder-aspect-ratio: 262\/80;height: 46px; width: auto; max-width: 220px; object-fit: contain; display: block\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\"><img data-srcset=\"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/MLA_FullLogo_Colour_RGB-300x60-1.png 1300w, https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/MLA_FullLogo_Colour_RGB-300x60-1-1280x256.png 1280w, https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/MLA_FullLogo_Colour_RGB-300x60-1-980x196.png 980w, https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/MLA_FullLogo_Colour_RGB-300x60-1-480x96.png 480w\" data-sizes=\"(max-width: 767px) 100vw, 50vw\" width=\"1300\" height=\"260\" decoding=\"async\" data-src=\"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/03\/MLA_FullLogo_Colour_RGB-300x60-1.png\" alt=\"Middlesex Law Association\" title=\"Middlesex Law Association\" style=\"--smush-placeholder-width: 1300px; 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A clear next step. Answer a few questions and see [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template-blank.php","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-3603","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Free Tools - Waseer Law Office<\/title>\n<meta name=\"description\" content=\"Mon to Fri, 9:00 to 5:00 ET \u00b7 English, Hindi, Punjabi, Urdu, Arabic, Kurdish (Sorani), DariClient portalSecure paymentLanguage \u25beEnglish\u0939\u093f\u0928\u094d\u0926\u0940\u0a2a\u0a70\u0a1c\u0a3e\u0a2c\u0a40\u0627\u0631\u062f\u0648\u0627\u0644\u0639\u0631\u0628\u064a\u0629\u06a9\u0648\u0631\u062f\u06cc (\u0633\u06c6\u0631\u0627\u0646\u06cc)\u062f\u0631\u06cc519-999-9676ImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultation Free tools Two minutes. A clear next step. Answer a few questions and see where you stand. When you are ready, a lawyer can take it from there. Real estate costsImmigration pathway checkPR card checklistWills checkSeparation and property   Land transfer tax and closing costsFull guide, rates and London examples \u203a Purchase price$650,000 $200,000$3,000,000 Where is the home? London and areaElsewhere in OntarioCity of Toronto I am a first-time home buyer First-time buyers must be a citizen or PR (or become one within 18 months), live in the home within 9 months, and never have owned a home anywhere. First-time buyer checklist Mortgage pre-approval in writing Deposit ready (often due within 24 hours of acceptance) Lawyer reviews the offer before you sign Home inspection booked Home insurance quote for closing day Closing funds and land transfer tax set aside   Ontario land transfer tax Ontario first-time buyer refund Toronto municipal land transfer tax Toronto first-time buyer rebate Land transfer tax you pay Legal fee, title insurance, registrationIn your quote  Get a written closing quoteTell us your price and closing date and we will email your quote.Request my closing quoteHave us review your offer before you sign \u00b7 Book 60 minutes \u203a Estimate only, not legal or tax advice. Single family home rates. Ontario rates since January 1, 2017; Toronto rates include graduated rates over $3,000,000 effective April 1, 2026. First-time relief at the maximums of $4,000 (Ontario) and $4,475 (Toronto).   Immigration pathway checkQuestion 1 of 5 \u2039 Back Programs worth discussing with a lawyerStart again  Recommended next stepAnswer the questions to see what to discuss with a lawyer.Book a consultation This check is general information, not legal advice, and does not tell you whether you qualify. Programs and rules change often. Only a lawyer reviewing your documents can assess eligibility.   PR card renewal checklist When does your PR card expire? More than 9 months awayWithin the next 9 monthsAlready expired, I am in CanadaExpired, and I am outside Canada  About how many days were you physically in Canada in the last 5 years?   Your checklist Completed application (online or on paper)IRCC document checklistTwo identical photos that meet IRCC specificationsCopy of your current or expired PR cardCopy of your passport and travel document pagesFee receipt ($50 per person)Travel history for the last 5 years IRCC changes forms and fees. Check the current list on IRCC&#039;s website before you apply, or have us check it for you. Want us to file it for you?Book 30 minutes \u00b7 $150   Is your family protected?Six quick questions  Your protection score0 \/ 6Answer all six to see your result.Book a 30-minute wills consultation General information for Ontario residents, not legal advice.   Separation: property division estimateOntario equalization estimatorIn Ontario, separating married spouses usually share the growth in their wealth during the marriage. The spouse with the higher net family property pays the other half the difference. YouAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separateYour spouseAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separate  Estimated equalization payment$0Enter both columns to see the estimate.Your net family property: $0Your spouse&#039;s net family property: $0Deadlines matter. A claim is generally due within 2 years of a divorce or 6 years of separation, whichever comes first. Ask us about your dates.Book 60 minutes \u00b7 $250 Separation document checklist Marriage certificate and any marriage or cohabitation contract Tax returns and notices of assessment for the last 3 years Recent pay stubs or business income records Bank, investment, RRSP and TFSA statements for the marriage and separation dates Pension statements Mortgage, property tax and home value information Loan, line of credit and credit card statements A list of children&#039;s expenses, such as daycare and activities0 of 8 ready Estimate only, under the Family Law Act (Ontario). It does not apply the special rules for the matrimonial home, valuation disputes, tax or other adjustments, and does not apply to unmarried couples. Not legal advice.   Licensed, regulated and active in our communityZia Waseer is licensed by the Law Society of Ontario and is a solicitor of England and Wales. Logos identify the regulators and associations we belong to; they do not indicate endorsement.Practice areasImmigrationReal estateFamily lawWills and estatesThe firmAbout usInsightsEventsContactClientsBook a consultationClient portalSecure paymentFree toolsLondon office1204 Richmond StLondon, ON N6A 3L4519-999-9676reception@waseerlaw.caFax 833-999-9676Windsor and Mississauga by appointmentCopyright \u00a9 2026 Waseer Law Office. All rights reserved.Privacy Policy \u00b7 Terms \u00b7 Facebook \u00b7 Instagram\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Free Tools - Waseer Law Office\" \/>\n<meta property=\"og:description\" content=\"Mon to Fri, 9:00 to 5:00 ET \u00b7 English, Hindi, Punjabi, Urdu, Arabic, Kurdish (Sorani), DariClient portalSecure paymentLanguage \u25beEnglish\u0939\u093f\u0928\u094d\u0926\u0940\u0a2a\u0a70\u0a1c\u0a3e\u0a2c\u0a40\u0627\u0631\u062f\u0648\u0627\u0644\u0639\u0631\u0628\u064a\u0629\u06a9\u0648\u0631\u062f\u06cc (\u0633\u06c6\u0631\u0627\u0646\u06cc)\u062f\u0631\u06cc519-999-9676ImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultation Free tools Two minutes. A clear next step. Answer a few questions and see where you stand. When you are ready, a lawyer can take it from there. Real estate costsImmigration pathway checkPR card checklistWills checkSeparation and property   Land transfer tax and closing costsFull guide, rates and London examples \u203a Purchase price$650,000 $200,000$3,000,000 Where is the home? London and areaElsewhere in OntarioCity of Toronto I am a first-time home buyer First-time buyers must be a citizen or PR (or become one within 18 months), live in the home within 9 months, and never have owned a home anywhere. First-time buyer checklist Mortgage pre-approval in writing Deposit ready (often due within 24 hours of acceptance) Lawyer reviews the offer before you sign Home inspection booked Home insurance quote for closing day Closing funds and land transfer tax set aside   Ontario land transfer tax Ontario first-time buyer refund Toronto municipal land transfer tax Toronto first-time buyer rebate Land transfer tax you pay Legal fee, title insurance, registrationIn your quote  Get a written closing quoteTell us your price and closing date and we will email your quote.Request my closing quoteHave us review your offer before you sign \u00b7 Book 60 minutes \u203a Estimate only, not legal or tax advice. Single family home rates. Ontario rates since January 1, 2017; Toronto rates include graduated rates over $3,000,000 effective April 1, 2026. First-time relief at the maximums of $4,000 (Ontario) and $4,475 (Toronto).   Immigration pathway checkQuestion 1 of 5 \u2039 Back Programs worth discussing with a lawyerStart again  Recommended next stepAnswer the questions to see what to discuss with a lawyer.Book a consultation This check is general information, not legal advice, and does not tell you whether you qualify. Programs and rules change often. Only a lawyer reviewing your documents can assess eligibility.   PR card renewal checklist When does your PR card expire? More than 9 months awayWithin the next 9 monthsAlready expired, I am in CanadaExpired, and I am outside Canada  About how many days were you physically in Canada in the last 5 years?   Your checklist Completed application (online or on paper)IRCC document checklistTwo identical photos that meet IRCC specificationsCopy of your current or expired PR cardCopy of your passport and travel document pagesFee receipt ($50 per person)Travel history for the last 5 years IRCC changes forms and fees. Check the current list on IRCC&#039;s website before you apply, or have us check it for you. Want us to file it for you?Book 30 minutes \u00b7 $150   Is your family protected?Six quick questions  Your protection score0 \/ 6Answer all six to see your result.Book a 30-minute wills consultation General information for Ontario residents, not legal advice.   Separation: property division estimateOntario equalization estimatorIn Ontario, separating married spouses usually share the growth in their wealth during the marriage. The spouse with the higher net family property pays the other half the difference. YouAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separateYour spouseAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separate  Estimated equalization payment$0Enter both columns to see the estimate.Your net family property: $0Your spouse&#039;s net family property: $0Deadlines matter. A claim is generally due within 2 years of a divorce or 6 years of separation, whichever comes first. Ask us about your dates.Book 60 minutes \u00b7 $250 Separation document checklist Marriage certificate and any marriage or cohabitation contract Tax returns and notices of assessment for the last 3 years Recent pay stubs or business income records Bank, investment, RRSP and TFSA statements for the marriage and separation dates Pension statements Mortgage, property tax and home value information Loan, line of credit and credit card statements A list of children&#039;s expenses, such as daycare and activities0 of 8 ready Estimate only, under the Family Law Act (Ontario). It does not apply the special rules for the matrimonial home, valuation disputes, tax or other adjustments, and does not apply to unmarried couples. Not legal advice.   Licensed, regulated and active in our communityZia Waseer is licensed by the Law Society of Ontario and is a solicitor of England and Wales. Logos identify the regulators and associations we belong to; they do not indicate endorsement.Practice areasImmigrationReal estateFamily lawWills and estatesThe firmAbout usInsightsEventsContactClientsBook a consultationClient portalSecure paymentFree toolsLondon office1204 Richmond StLondon, ON N6A 3L4519-999-9676reception@waseerlaw.caFax 833-999-9676Windsor and Mississauga by appointmentCopyright \u00a9 2026 Waseer Law Office. All rights reserved.Privacy Policy \u00b7 Terms \u00b7 Facebook \u00b7 Instagram\" \/>\n<meta property=\"og:url\" content=\"https:\/\/waseerlaw.ca\/staging\/free-tools\/\" \/>\n<meta property=\"og:site_name\" content=\"Waseer Law Office\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/waseerlaw\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-09T22:48:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/06\/Waseer-law-office-new-logo-purple-02.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2026\/10\/Zia-Waseer-Office.png\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/waseerlaw.ca\/staging\/free-tools\/\",\"url\":\"https:\/\/waseerlaw.ca\/staging\/free-tools\/\",\"name\":\"Free Tools - Waseer Law Office\",\"isPartOf\":{\"@id\":\"https:\/\/waseerlaw.ca\/staging\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/waseerlaw.ca\/staging\/free-tools\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/waseerlaw.ca\/staging\/free-tools\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/06\/Waseer-law-office-new-logo-purple-02.png\",\"datePublished\":\"2026-10-09T04:15:28+00:00\",\"dateModified\":\"2026-10-09T22:48:14+00:00\",\"description\":\"Mon to Fri, 9:00 to 5:00 ET \u00b7 English, Hindi, Punjabi, Urdu, Arabic, Kurdish (Sorani), DariClient portalSecure paymentLanguage \u25beEnglish\u0939\u093f\u0928\u094d\u0926\u0940\u0a2a\u0a70\u0a1c\u0a3e\u0a2c\u0a40\u0627\u0631\u062f\u0648\u0627\u0644\u0639\u0631\u0628\u064a\u0629\u06a9\u0648\u0631\u062f\u06cc (\u0633\u06c6\u0631\u0627\u0646\u06cc)\u062f\u0631\u06cc519-999-9676ImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultation Free tools Two minutes. A clear next step. Answer a few questions and see where you stand. When you are ready, a lawyer can take it from there. Real estate costsImmigration pathway checkPR card checklistWills checkSeparation and property Land transfer tax and closing costsFull guide, rates and London examples \u203a Purchase price$650,000 $200,000$3,000,000 Where is the home? London and areaElsewhere in OntarioCity of Toronto I am a first-time home buyer First-time buyers must be a citizen or PR (or become one within 18 months), live in the home within 9 months, and never have owned a home anywhere. First-time buyer checklist Mortgage pre-approval in writing Deposit ready (often due within 24 hours of acceptance) Lawyer reviews the offer before you sign Home inspection booked Home insurance quote for closing day Closing funds and land transfer tax set aside Ontario land transfer tax Ontario first-time buyer refund Toronto municipal land transfer tax Toronto first-time buyer rebate Land transfer tax you pay Legal fee, title insurance, registrationIn your quote Get a written closing quoteTell us your price and closing date and we will email your quote.Request my closing quoteHave us review your offer before you sign \u00b7 Book 60 minutes \u203a Estimate only, not legal or tax advice. Single family home rates. Ontario rates since January 1, 2017; Toronto rates include graduated rates over $3,000,000 effective April 1, 2026. First-time relief at the maximums of $4,000 (Ontario) and $4,475 (Toronto). Immigration pathway checkQuestion 1 of 5 \u2039 Back Programs worth discussing with a lawyerStart again Recommended next stepAnswer the questions to see what to discuss with a lawyer.Book a consultation This check is general information, not legal advice, and does not tell you whether you qualify. Programs and rules change often. Only a lawyer reviewing your documents can assess eligibility. PR card renewal checklist When does your PR card expire? More than 9 months awayWithin the next 9 monthsAlready expired, I am in CanadaExpired, and I am outside Canada About how many days were you physically in Canada in the last 5 years? Your checklist Completed application (online or on paper)IRCC document checklistTwo identical photos that meet IRCC specificationsCopy of your current or expired PR cardCopy of your passport and travel document pagesFee receipt ($50 per person)Travel history for the last 5 years IRCC changes forms and fees. Check the current list on IRCC's website before you apply, or have us check it for you. Want us to file it for you?Book 30 minutes \u00b7 $150 Is your family protected?Six quick questions Your protection score0 \/ 6Answer all six to see your result.Book a 30-minute wills consultation General information for Ontario residents, not legal advice. Separation: property division estimateOntario equalization estimatorIn Ontario, separating married spouses usually share the growth in their wealth during the marriage. The spouse with the higher net family property pays the other half the difference. YouAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separateYour spouseAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separate Estimated equalization payment$0Enter both columns to see the estimate.Your net family property: $0Your spouse's net family property: $0Deadlines matter. A claim is generally due within 2 years of a divorce or 6 years of separation, whichever comes first. Ask us about your dates.Book 60 minutes \u00b7 $250 Separation document checklist Marriage certificate and any marriage or cohabitation contract Tax returns and notices of assessment for the last 3 years Recent pay stubs or business income records Bank, investment, RRSP and TFSA statements for the marriage and separation dates Pension statements Mortgage, property tax and home value information Loan, line of credit and credit card statements A list of children's expenses, such as daycare and activities0 of 8 ready Estimate only, under the Family Law Act (Ontario). It does not apply the special rules for the matrimonial home, valuation disputes, tax or other adjustments, and does not apply to unmarried couples. Not legal advice. Licensed, regulated and active in our communityZia Waseer is licensed by the Law Society of Ontario and is a solicitor of England and Wales. 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A clear next step. Answer a few questions and see where you stand. When you are ready, a lawyer can take it from there. Real estate costsImmigration pathway checkPR card checklistWills checkSeparation and property   Land transfer tax and closing costsFull guide, rates and London examples \u203a Purchase price$650,000 $200,000$3,000,000 Where is the home? London and areaElsewhere in OntarioCity of Toronto I am a first-time home buyer First-time buyers must be a citizen or PR (or become one within 18 months), live in the home within 9 months, and never have owned a home anywhere. First-time buyer checklist Mortgage pre-approval in writing Deposit ready (often due within 24 hours of acceptance) Lawyer reviews the offer before you sign Home inspection booked Home insurance quote for closing day Closing funds and land transfer tax set aside   Ontario land transfer tax Ontario first-time buyer refund Toronto municipal land transfer tax Toronto first-time buyer rebate Land transfer tax you pay Legal fee, title insurance, registrationIn your quote  Get a written closing quoteTell us your price and closing date and we will email your quote.Request my closing quoteHave us review your offer before you sign \u00b7 Book 60 minutes \u203a Estimate only, not legal or tax advice. Single family home rates. Ontario rates since January 1, 2017; Toronto rates include graduated rates over $3,000,000 effective April 1, 2026. First-time relief at the maximums of $4,000 (Ontario) and $4,475 (Toronto).   Immigration pathway checkQuestion 1 of 5 \u2039 Back Programs worth discussing with a lawyerStart again  Recommended next stepAnswer the questions to see what to discuss with a lawyer.Book a consultation This check is general information, not legal advice, and does not tell you whether you qualify. Programs and rules change often. Only a lawyer reviewing your documents can assess eligibility.   PR card renewal checklist When does your PR card expire? More than 9 months awayWithin the next 9 monthsAlready expired, I am in CanadaExpired, and I am outside Canada  About how many days were you physically in Canada in the last 5 years?   Your checklist Completed application (online or on paper)IRCC document checklistTwo identical photos that meet IRCC specificationsCopy of your current or expired PR cardCopy of your passport and travel document pagesFee receipt ($50 per person)Travel history for the last 5 years IRCC changes forms and fees. Check the current list on IRCC's website before you apply, or have us check it for you. Want us to file it for you?Book 30 minutes \u00b7 $150   Is your family protected?Six quick questions  Your protection score0 \/ 6Answer all six to see your result.Book a 30-minute wills consultation General information for Ontario residents, not legal advice.   Separation: property division estimateOntario equalization estimatorIn Ontario, separating married spouses usually share the growth in their wealth during the marriage. The spouse with the higher net family property pays the other half the difference. YouAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separateYour spouseAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separate  Estimated equalization payment$0Enter both columns to see the estimate.Your net family property: $0Your spouse's net family property: $0Deadlines matter. A claim is generally due within 2 years of a divorce or 6 years of separation, whichever comes first. Ask us about your dates.Book 60 minutes \u00b7 $250 Separation document checklist Marriage certificate and any marriage or cohabitation contract Tax returns and notices of assessment for the last 3 years Recent pay stubs or business income records Bank, investment, RRSP and TFSA statements for the marriage and separation dates Pension statements Mortgage, property tax and home value information Loan, line of credit and credit card statements A list of children's expenses, such as daycare and activities0 of 8 ready Estimate only, under the Family Law Act (Ontario). It does not apply the special rules for the matrimonial home, valuation disputes, tax or other adjustments, and does not apply to unmarried couples. Not legal advice.   Licensed, regulated and active in our communityZia Waseer is licensed by the Law Society of Ontario and is a solicitor of England and Wales. Logos identify the regulators and associations we belong to; they do not indicate endorsement.Practice areasImmigrationReal estateFamily lawWills and estatesThe firmAbout usInsightsEventsContactClientsBook a consultationClient portalSecure paymentFree toolsLondon office1204 Richmond StLondon, ON N6A 3L4519-999-9676reception@waseerlaw.caFax 833-999-9676Windsor and Mississauga by appointmentCopyright \u00a9 2026 Waseer Law Office. All rights reserved.Privacy Policy \u00b7 Terms \u00b7 Facebook \u00b7 Instagram","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Free Tools - Waseer Law Office","og_description":"Mon to Fri, 9:00 to 5:00 ET \u00b7 English, Hindi, Punjabi, Urdu, Arabic, Kurdish (Sorani), DariClient portalSecure paymentLanguage \u25beEnglish\u0939\u093f\u0928\u094d\u0926\u0940\u0a2a\u0a70\u0a1c\u0a3e\u0a2c\u0a40\u0627\u0631\u062f\u0648\u0627\u0644\u0639\u0631\u0628\u064a\u0629\u06a9\u0648\u0631\u062f\u06cc (\u0633\u06c6\u0631\u0627\u0646\u06cc)\u062f\u0631\u06cc519-999-9676ImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultation Free tools Two minutes. A clear next step. Answer a few questions and see where you stand. When you are ready, a lawyer can take it from there. Real estate costsImmigration pathway checkPR card checklistWills checkSeparation and property   Land transfer tax and closing costsFull guide, rates and London examples \u203a Purchase price$650,000 $200,000$3,000,000 Where is the home? London and areaElsewhere in OntarioCity of Toronto I am a first-time home buyer First-time buyers must be a citizen or PR (or become one within 18 months), live in the home within 9 months, and never have owned a home anywhere. First-time buyer checklist Mortgage pre-approval in writing Deposit ready (often due within 24 hours of acceptance) Lawyer reviews the offer before you sign Home inspection booked Home insurance quote for closing day Closing funds and land transfer tax set aside   Ontario land transfer tax Ontario first-time buyer refund Toronto municipal land transfer tax Toronto first-time buyer rebate Land transfer tax you pay Legal fee, title insurance, registrationIn your quote  Get a written closing quoteTell us your price and closing date and we will email your quote.Request my closing quoteHave us review your offer before you sign \u00b7 Book 60 minutes \u203a Estimate only, not legal or tax advice. Single family home rates. Ontario rates since January 1, 2017; Toronto rates include graduated rates over $3,000,000 effective April 1, 2026. First-time relief at the maximums of $4,000 (Ontario) and $4,475 (Toronto).   Immigration pathway checkQuestion 1 of 5 \u2039 Back Programs worth discussing with a lawyerStart again  Recommended next stepAnswer the questions to see what to discuss with a lawyer.Book a consultation This check is general information, not legal advice, and does not tell you whether you qualify. Programs and rules change often. Only a lawyer reviewing your documents can assess eligibility.   PR card renewal checklist When does your PR card expire? More than 9 months awayWithin the next 9 monthsAlready expired, I am in CanadaExpired, and I am outside Canada  About how many days were you physically in Canada in the last 5 years?   Your checklist Completed application (online or on paper)IRCC document checklistTwo identical photos that meet IRCC specificationsCopy of your current or expired PR cardCopy of your passport and travel document pagesFee receipt ($50 per person)Travel history for the last 5 years IRCC changes forms and fees. Check the current list on IRCC's website before you apply, or have us check it for you. Want us to file it for you?Book 30 minutes \u00b7 $150   Is your family protected?Six quick questions  Your protection score0 \/ 6Answer all six to see your result.Book a 30-minute wills consultation General information for Ontario residents, not legal advice.   Separation: property division estimateOntario equalization estimatorIn Ontario, separating married spouses usually share the growth in their wealth during the marriage. The spouse with the higher net family property pays the other half the difference. YouAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separateYour spouseAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separate  Estimated equalization payment$0Enter both columns to see the estimate.Your net family property: $0Your spouse's net family property: $0Deadlines matter. A claim is generally due within 2 years of a divorce or 6 years of separation, whichever comes first. Ask us about your dates.Book 60 minutes \u00b7 $250 Separation document checklist Marriage certificate and any marriage or cohabitation contract Tax returns and notices of assessment for the last 3 years Recent pay stubs or business income records Bank, investment, RRSP and TFSA statements for the marriage and separation dates Pension statements Mortgage, property tax and home value information Loan, line of credit and credit card statements A list of children's expenses, such as daycare and activities0 of 8 ready Estimate only, under the Family Law Act (Ontario). It does not apply the special rules for the matrimonial home, valuation disputes, tax or other adjustments, and does not apply to unmarried couples. Not legal advice.   Licensed, regulated and active in our communityZia Waseer is licensed by the Law Society of Ontario and is a solicitor of England and Wales. Logos identify the regulators and associations we belong to; they do not indicate endorsement.Practice areasImmigrationReal estateFamily lawWills and estatesThe firmAbout usInsightsEventsContactClientsBook a consultationClient portalSecure paymentFree toolsLondon office1204 Richmond StLondon, ON N6A 3L4519-999-9676reception@waseerlaw.caFax 833-999-9676Windsor and Mississauga by appointmentCopyright \u00a9 2026 Waseer Law Office. All rights reserved.Privacy Policy \u00b7 Terms \u00b7 Facebook \u00b7 Instagram","og_url":"https:\/\/waseerlaw.ca\/staging\/free-tools\/","og_site_name":"Waseer Law Office","article_publisher":"https:\/\/www.facebook.com\/waseerlaw","article_modified_time":"2026-10-09T22:48:14+00:00","og_image":[{"url":"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/06\/Waseer-law-office-new-logo-purple-02.png","type":"","width":"","height":""}],"twitter_card":"summary_large_image","twitter_image":"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2026\/10\/Zia-Waseer-Office.png","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/waseerlaw.ca\/staging\/free-tools\/","url":"https:\/\/waseerlaw.ca\/staging\/free-tools\/","name":"Free Tools - Waseer Law Office","isPartOf":{"@id":"https:\/\/waseerlaw.ca\/staging\/#website"},"primaryImageOfPage":{"@id":"https:\/\/waseerlaw.ca\/staging\/free-tools\/#primaryimage"},"image":{"@id":"https:\/\/waseerlaw.ca\/staging\/free-tools\/#primaryimage"},"thumbnailUrl":"https:\/\/waseerlaw.ca\/staging\/wp-content\/uploads\/2025\/06\/Waseer-law-office-new-logo-purple-02.png","datePublished":"2026-10-09T04:15:28+00:00","dateModified":"2026-10-09T22:48:14+00:00","description":"Mon to Fri, 9:00 to 5:00 ET \u00b7 English, Hindi, Punjabi, Urdu, Arabic, Kurdish (Sorani), DariClient portalSecure paymentLanguage \u25beEnglish\u0939\u093f\u0928\u094d\u0926\u0940\u0a2a\u0a70\u0a1c\u0a3e\u0a2c\u0a40\u0627\u0631\u062f\u0648\u0627\u0644\u0639\u0631\u0628\u064a\u0629\u06a9\u0648\u0631\u062f\u06cc (\u0633\u06c6\u0631\u0627\u0646\u06cc)\u062f\u0631\u06cc519-999-9676ImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultationMenuImmigrationReal EstateFamilyWillsFree ToolsInsightsEventsAboutContactBook a consultation Free tools Two minutes. A clear next step. Answer a few questions and see where you stand. When you are ready, a lawyer can take it from there. Real estate costsImmigration pathway checkPR card checklistWills checkSeparation and property Land transfer tax and closing costsFull guide, rates and London examples \u203a Purchase price$650,000 $200,000$3,000,000 Where is the home? London and areaElsewhere in OntarioCity of Toronto I am a first-time home buyer First-time buyers must be a citizen or PR (or become one within 18 months), live in the home within 9 months, and never have owned a home anywhere. First-time buyer checklist Mortgage pre-approval in writing Deposit ready (often due within 24 hours of acceptance) Lawyer reviews the offer before you sign Home inspection booked Home insurance quote for closing day Closing funds and land transfer tax set aside Ontario land transfer tax Ontario first-time buyer refund Toronto municipal land transfer tax Toronto first-time buyer rebate Land transfer tax you pay Legal fee, title insurance, registrationIn your quote Get a written closing quoteTell us your price and closing date and we will email your quote.Request my closing quoteHave us review your offer before you sign \u00b7 Book 60 minutes \u203a Estimate only, not legal or tax advice. Single family home rates. Ontario rates since January 1, 2017; Toronto rates include graduated rates over $3,000,000 effective April 1, 2026. First-time relief at the maximums of $4,000 (Ontario) and $4,475 (Toronto). Immigration pathway checkQuestion 1 of 5 \u2039 Back Programs worth discussing with a lawyerStart again Recommended next stepAnswer the questions to see what to discuss with a lawyer.Book a consultation This check is general information, not legal advice, and does not tell you whether you qualify. Programs and rules change often. Only a lawyer reviewing your documents can assess eligibility. PR card renewal checklist When does your PR card expire? More than 9 months awayWithin the next 9 monthsAlready expired, I am in CanadaExpired, and I am outside Canada About how many days were you physically in Canada in the last 5 years? Your checklist Completed application (online or on paper)IRCC document checklistTwo identical photos that meet IRCC specificationsCopy of your current or expired PR cardCopy of your passport and travel document pagesFee receipt ($50 per person)Travel history for the last 5 years IRCC changes forms and fees. Check the current list on IRCC's website before you apply, or have us check it for you. Want us to file it for you?Book 30 minutes \u00b7 $150 Is your family protected?Six quick questions Your protection score0 \/ 6Answer all six to see your result.Book a 30-minute wills consultation General information for Ontario residents, not legal advice. Separation: property division estimateOntario equalization estimatorIn Ontario, separating married spouses usually share the growth in their wealth during the marriage. The spouse with the higher net family property pays the other half the difference. YouAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separateYour spouseAssets on the separation dateDebts on the separation dateNet worth on the marriage date, not counting a home you later lived in togetherExcluded property, such as an inheritance or gift kept separate Estimated equalization payment$0Enter both columns to see the estimate.Your net family property: $0Your spouse's net family property: $0Deadlines matter. A claim is generally due within 2 years of a divorce or 6 years of separation, whichever comes first. Ask us about your dates.Book 60 minutes \u00b7 $250 Separation document checklist Marriage certificate and any marriage or cohabitation contract Tax returns and notices of assessment for the last 3 years Recent pay stubs or business income records Bank, investment, RRSP and TFSA statements for the marriage and separation dates Pension statements Mortgage, property tax and home value information Loan, line of credit and credit card statements A list of children's expenses, such as daycare and activities0 of 8 ready Estimate only, under the Family Law Act (Ontario). It does not apply the special rules for the matrimonial home, valuation disputes, tax or other adjustments, and does not apply to unmarried couples. Not legal advice. Licensed, regulated and active in our communityZia Waseer is licensed by the Law Society of Ontario and is a solicitor of England and Wales. Logos identify the regulators and associations we belong to; they do not indicate endorsement.Practice areasImmigrationReal estateFamily lawWills and estatesThe firmAbout usInsightsEventsContactClientsBook a consultationClient portalSecure paymentFree toolsLondon office1204 Richmond StLondon, ON N6A 3L4519-999-9676reception@waseerlaw.caFax 833-999-9676Windsor and Mississauga by appointmentCopyright \u00a9 2026 Waseer Law Office. 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