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S.N. Richmond Hill

From the Blog

Change in TD Bank Mortgage Standard Clause

Buyer Beware - Always Read the Fine Print TD Bank has changed the fine print of its Variable Rate Mortgage Contracts for conventional mortgages.  Under the terms of the new clause, if at any time the loan to value ratio of your mortgage exceeds 80 per cent, the bank has the right to demand that the borrower bring it under the 80% threshold, or to obtain an appraisal in order to prove that the fair market value does not exceed the 80% threshold.  The appraisal will likely … [Read More...]

Who is a First Time Home Buyer – For Land Transfer Tax Refund Purposes

Who qualifies as a first a first time home buyer in order to qualify for the Land Transfer Tax refund?  Seems like a simple question.  However, the answer isn’t as simple as the question implies.  What is Land Transfer Tax The Provincial Land Transfer Tax applies to all transfers of land in Ontario.  If the transfer of land is in Toronto, there is an additional Municipal Land Transfer Tax.  In general, if you buy land or an interest in land in Ontario, you must pay … [Read More...]

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