In the simplest of terms, a lien represents a financial claim against a property, and an encumbrance represents a legal limitation. In both cases, they can each cause complications in a real estate transaction – whether you are buying or selling.What is a lien?A lien is a financial claim on a p...

Picture this: It’s closing day. You’re excited, nervous, and eager to get your keys. With today’s technology, you can work with a lawyer entirely online, but does that stack up against the benefits of having a local Whitby real estate lawyer by your side?First, let’s start with the Law So...

When people think and talk about their estate or estate planning, they often first consider family heirlooms and items of sentimental value, bank accounts and tangible property. In 2025, however, your assets and belongings don’t just include your physical ‘things,’ but also encompass your d...

When it comes to real estate, there’s no way to sidestep the rules. If you’re considering gifting property to your child during your lifetime, it’s  important to know that land transfer tax and capital gains tax are unavoidable parts of the process. Gifting real estate is more complex ...

In 2025, skyrocketing home prices and strict mortgage qualification rules have made it increasingly difficult for young adults to buy their first home on their own. This growing trend reflects both the financial realities facing younger generations and the evolving role of the so-called “Bank o...