In Ontario, you generally cannot avoid capital gains tax and land transfer tax when gifting real estate to your child during your lifetime — with one key exception: if the property is your principal residence and it's mortgage-free, both taxes can be waived. Investment properties and cottages don't...

The short answer: Parents in Ontario can help a child buy a home by gifting a down payment, co-signing or guaranteeing the mortgage, or going on title with them as joint tenants or tenants-in-common. Each option carries different legal, tax, and borrowing risks, so parents should understand how i...

Buying your first home is a major milestone — and while saving for your down payment is likely top of mind, it’s important to plan for additional expenses known as closing costs. These costs can add up quickly and often catch first-time buyers off guard, but being prepared can help you avoid surp...

Lower interest rates, debt consolidation, and accessing home equity are common reasons homeowners choose to refinance their mortgages. A real estate lawyer plays a key role in this process, ensuring all legal aspects are handled properly.However, we’re not here to determine whether refinancing is...

The short answer: Zoning by-laws are municipal rules that control how land can be used in Ontario, such as residential, commercial, industrial, or agricultural use, along with building types, lot sizes, heights, parking, and setbacks. If your plans don't comply, you may be able to apply for a mino...