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Buying Selling Refinancing

What province is the property located in?

Ontario Alberta Other

Property type

New Condo New Home Resale Condo Resale Home

What is the purchase price of your home?

Will you have a mortgage?

0 1 2

Where is the property located?

Toronto Outside Toronto

How many people will be on title?

1 2 3

Are you a first time homebuyer?

Yes No

Will this property be a rental?

Yes No

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What type of property is this?

Townhouse / Condo Single Family Home

What is the purchase price of your home?

How many mortgages do you have?

0 1 2

What is the mortgage amount?

Where is the property located?

Calgary Outside Calgary

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Breakdown of Closing Costs

×

Legal Fees

$ 1089

Other Closing Costs:

Disbursements

$ 0

Title Insurance

$ 0

Adminstration Fees

$ 305

Land Transfer Tax

$ 0

Estimated Closing Costs

Learn more about closing costs

$ 0

Excludes HST Excludes GST

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Product Type

Province

First Name *

Last Name *

Email *

Number *

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Breakdown of Closing Costs

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Product Type

Province

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Click here to learn more about our real estate legal services

What province is the property located in?

Ontario Alberta Other

Sale Price?

How many mortgages do you have on the property?

0 1 2 3

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Sale Price?

How many mortgages do you have on the property?

1 2 3 4 5 6

What type of property is this?

Townhouse/Condo Single Family Home

Where is the property located?

Calgary Outside Calgary

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Breakdown of Closing Costs

×

Legal Fees

$ 969

Other Closing Costs:

Disbursements

$ 0

Estimated Closing Costs

Learn more about closing costs

$ 0

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Your Name

Email Address

Phone Number

Certain property types, mortgages, and situations can incur unforeseen costs. Additional charges may apply.

Click here to learn more about our real estate legal services

Other Closing Costs

Land Transfer Tax

$ 0

Learn more about closing costs when purchasing a property

What province is the property located in?

Ontario Alberta Other

What is the mortgage amount?

What Type of Mortgage is this?

Private Mortgage Bank Mortgage

How many debts are we paying out?

0 1 2 3 4 5 6

Number of people on title

0 1 2 3 4 5 6

Is there a title transfer?

Yes No

Is the property a rental?

Yes No

Is the property a townhouse or condo?

Yes No

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What is the mortgage amount?

How many debts are we paying out?

0 1 2 3 4 5 6

What type of property is this?

Townhouse/Condo Single Family Home

Where is the property located?

Calgary Outside Calgary

Please enter your email

Breakdown of Closing Costs

×

Legal Fees

$ 899

Other Closing Costs:

Disbursements

$ 0

Registration

$ 0

Title Insurance

$ 0

Estimated Closing Costs

Learn more about closing costs

$ 0

Not including HST

Email me the Quote

Your Name

Email Address

Phone Number

Certain property types, mortgages, and situations can incur unforeseen costs. Additional charges may apply.

Click here to learn more about our real estate legal services

Other Closing Costs

Land Transfer Tax

$ 0

Learn more about closing costs when purchasing a property

Sorry, we don’t currently offer real estate legal services outside Alberta and Ontario. If you’d like to provide your contact info, we’d be happy to put you in touch with another law firm.

Your name

Your email

Your phone number

Additional Information

FAQ’s

When should you refinance your mortgage?

When considering refinancing, make sure you understand the costs and benefits. People refinance to lower their interest rate and payment. Prevailing wisdom says that you should consider refinancing if you can save 2% on interest. Many lenders say 1% is enough of an incentive. Since refinancing costs between 3% and 6% of the principal and requires fees for an appraisal, a title search, and application fees, it’s essential to do the math and make sure it’s worth it.

When should you not refinance?

You should take a look at several factors, including closing costs and the break-even point, which is how many months it will take to save the amount it cost to refinance. If you’ve refinanced within the last couple of years, check your contract to make sure there isn’t a prepayment penalty on your loan. If rates are currently low, it doesn’t make sense to refinance to an adjustable rate, since you may end up paying more over time.

Does refinancing hurt your credit?

When you refinance, lenders will check your credit score and history. It’s known as a hard inquiry, and it can lower your credit score slightly but only temporarily. These inquiries are required for you to get a new loan, so it’s part of the process. If you’re shopping for a mortgage, you want to make sure these credit checks come in close together, not months apart. The thing that hurts your credit is late or missing payments, so keep on top of the bills, and your refinance should proceed without any trouble.