Owen & Associates Law services all of Ontario for Real Estate – we provide services both in person and Virtually in order to assist with your needs anywhere in the world. We offer services for all types of transactions, including:

Purchases;
Sales;
Refinances;
Additional Mortgages;
Lending;
Title Transfers;
Easement Registrations;
Agreement of Purchase & Sale Reviews;
Pre-construction Agreement Reviews;
Commercial Lease Reviews & Drafting;
Commercial Mortgages & Private Loans;
Corporate Real Estate Structuring & Closing;
S.85 Rollovers; and
Much more!

Ask us about our Corporate services!

Our Fees as of October 2022 are:

$900.00 + HST & Disbursements for Purchases;
$700.00 + HST & Disbursements for Sales;
$750.00 + HST & Disbursements for Refinances/Additional Mortgages;
$400.00 + HST for New-build Construction Agreement Review;
$350.00 + HST for Commercial Lease Reviews;
$800.00 + HST for Incorporations;
Please inquire for a Private Lending Representation quote;

Disbursements are costs incurred as a result of transaction requirements. The Law Society and Title Insurance require searches to be conducted on your behalf. Some disbursements include, but are not limited to:

Search Costs;
Software charges;
Couriers;
Certification of Cheques/Wire Fees;
Copies, Faxes, Postage;
File Storage;
Registration Costs;
Title Insurance;

Gordon E. R. Kallio’s current hourly rate: $250.00 + HST.

Please contact Gordon or Chantal today for assistance with your transaction and a free quote! odlaw@owendickey.com or Chantal@owendickey.com.

Please find some helpful links for your real estate transaction below:

LAND TRANSFER TAXES (LTT)
- LTT Calculator: https://www.landtransfertaxcalculator.ca/

- LTT Information: https://www.ontario.ca/document/land-transfer-tax

CAPACITY (Joint Tenants vs Tenants in Common)
- Joint Tenants = both own the whole, undivided, property jointly. In the event of death, the surviving Joint Tenant may make a survivorship application (NO PROBTATE REQUIRED.
  - https://www.ontario.ca/document/co-owning-home/co-ownership-arrangements#:~:text=Ownership%20as%20a%20group%20of%20individuals&text=If%20a%20tenants%2Din%2Dcommon,deceased’s%20share%20of%20the%20property.
  - What is Probate?: https://www.ontario.ca/page/apply-probate-estate (Contact us for more information!)

- Tenants in Common = own divided shares, represented as a percentage. This ownership is subject to the Last Will of the deceased Tenant and requires Probate (Certificate of Appointment) prior to any dealings with the home.

YOUR AGREEMENT
- Caveat Emptor (Buyer Beware): https://www.aaron.ca/how-the-courts-have-shown-its-buyer-beware-when-purchasing-property/
  - https://www.reco.on.ca/ask-joe-question/im-thinking-buying-house-im-worried-defects-ensure-dont-buy-property-serious-defects-part-one-patent-defects/
  - https://toronto.ctvnews.ca/new-house-becomes-disaster-for-ontario-couple-who-skipped-home-inspection-1.6075103

- Innominate Terms (and Conditions vs Warranties): https://www.mondaq.com/canada/real-estate/996710/terminating-an-agreement-of-purchase-and-sale-warranties-vs-conditions#:~:text=Condition%20vs%20Warranty&text=The%20breach%20of%20a%20condition,party%20to%20terminate%20the%20contract.

- Mortgage Insurance vs Life Insurance, what is the difference?: https://www.boldfinancial.ca/wp-content/uploads/sites/28/2020/06/Mortgage-Insurance-vs-Life-Insurance-Bold-Finanancial.pdf

TITLE INSURANCE – WHAT IS IT?
- https://chicagotitle.ca/residential-title-insurance/

BARRIE UTILITES & TAX LINKS
- Tax/Water & Wastewater: https://www.barrie.ca/services-payments
- Alectra: https://alectrautilities.com/
- Energy Rates: https://energyrates.ca/ontario/barrie-electricity-providers-natural-gas-services/
  - https://www.ieso.ca/en/Learn/Electricity-Facts-and-Tools/Helpful-Tools/Find-Your-LDC

PRE-CONTRUCTION
- Tarion Warranty Corporation: https://www.tarion.com/homeowners/learning-hub

NRST (NON-RESIDENT SPECULATION TAX)
- https://www.ontario.ca/document/land-transfer-tax/non-resident-speculation-tax

REMEDIES
- Small Claims Court (What happens when the other party breaches their Warranties?): https://www.ontario.ca/page/suing-someone-small-claims-court
- Paralegal Referrals: https://ranger.legal/EN/
- What Happens When The Deal Doesn’t Close?: https://www.reco.on.ca/buyer-seller-news/i-bought-a-house-but-the-deal-didnt-close-what-happens-to-my-deposit-being-held-by-the-listing-brokerage/#:~:text=A%20brokerage%20can%20only%20release,apply%20in%20certain%20specific%20situations.

LANDLORD & TENANT BOARD (Paralegal)
- https://tribunalsontario.ca/ltb/forms/

PLEASE NOTE: odlaw@owendickey.com is NOT PRIVATE… please do not disclose any personal information in your initial email to this email address as this email address is a general email address received by all of the secretarial staff of our office and is then redirected to the appropriate department.

ALSO PLEASE NOTE: Replies to your email may come from a different email address. Please check your spam/junk folder. Thank you.