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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...]

If a Building Permit is Not Closed – The Sale May not be Final

What does an Open Building Permit Mean for your Real Estate Transaction? An open municipal building permit (where the city has not done a final inspection and closed the file) may be a serious title defect, and allow a purchaser to back out of a real estate transaction.  A June of 2013 decision Ontario Superior Court of Canada, 1854822 Ontario Ltd. v. The Estate of Manuel Martins, 2013 ONSC 4310 highlights this issue.  In this case, 1854822 Ontario Ltd. signed an … [Read More...]

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