Buying Real Estate Lawyer

Cost-Effective Solutions for Individual & Small Business Success!

Serving the Greater Toronto Area
and the rest of Ontario

Demet Altunbulakli Law Firm Profile

Buying Real Estate Lawyer​ in Toronto

We understand that real estate transactions are often the most significant deals a person will be involved in during their lifetime. From reviewing purchase and sale agreements to conducting title searches and working with financial institutions for a timely and smooth closing, we assist our clients every step of the way. We recognize different types of properties and their unique considerations and guide our clients through the complexities of such transactions.

We are conveniently located in midtown Toronto, minutes from the Eglinton-Yonge station. Call us at 647-300-8391 or click the button above to book a FREE consultation.

Simplified Process​

Calculate Your Quote

Fill out our form here and we will contact you to provide a detailed estimate for buying, selling, mortgage or title transfer transaction.

Collect Your Documents

Forward us a copy of your agreement and connect us with your real estate agent & mortgage broker for us to begin the transaction.

Document Execution

We will meet with you in person or remotely for signing and guide you throughout the process to complete the transaction.

When to Contact a Real Estate Lawyer?

Buyers and sellers will want to contact a real estate lawyer as soon as an Offer to Purchase is signed. Conveyance of a property can be complex and time-consuming – real estate lawyers have the experience and expertise to make sure the process is smooth and headache-free. Your Lawyer can explain the terms in plain language the steps you will need to take and help you guide throughout the process.

Toronto Real Estate Lawyer

What information will my lawyer require?

Agreement of Purchase & Sale

The Agreement of Purchase and Sale is a binding contract between the buyer and seller. It outlines all terms, conditions, and responsibilities related to the transaction, including the purchase price, closing date, and any contingencies. A copy of the agreement is to be forwarded to the real estate lawyer.

Photo Identification

Two pieces of photo identification will be required for each purchaser, such as a driver’s license and passport. A health card is not accepted as photo identification.

Name of the Mortgage Lender

The name of the mortgage lender will be required. According to the mortgage agreement, the real estate lawyer will ensure the lender will have a valid mortgage on the property.

Address for Service

The address to be registered on the deed is typically that of the property, but it may differ for investment properties.

Ownership on the Title

The ownership on the title. The title would be joint title or tenants-in-common if there is more than one purchaser.

Property Insurance

Property insurance must be active on the closing day to get a mortgage. The buyer’s insurance agent must provide a letter confirming the insurance and the lender’s interest in the property.

Closing Funds

Before the closing date, the buyer must ensure that they have enough funds to complete the purchase, which can be through a certified cheque, bank draft, or money order. The funds must cover the remaining balance owed to the seller, land transfer tax, and other necessary adjustments such as property taxes. The buyer’s real estate lawyer will contact them to provide the amount needed before closing.

Understanding Closing Costs

The costs of buying real estate can accumulate quickly and these expenses can also vary across Canadian cities and provinces. Preparing for these costs is essential when purchasing property, as they represent an additional financial burden in addition to your moving expenses. Closing costs typically range from 1.5% to 4% of the purchase price of your new home, which you will need to pay when your house closes.

Legal Fees

A real estate lawyer is required to complete specific tasks such as title searches, registration of the deed, and preparation of closing documents, and will charge a fee for their services. Our Legal fees are flat rate based on the complexity of the transaction.

Title Insurance

This insurance policy protects against title defects and other issues impacting property ownership. The cost can differ depending on the purchase price of the property and the level of coverage required.

Land Transfer Tax

Buying real estate in Ontario might incur various closing costs, among which the Land Transfer Tax is a significant expense. The purchaser pays this tax to the provincial government upon the transfer of property ownership, and its amount is calculated based on the property’s purchase price.

It is important to note that Ontario has two types of land transfer taxes, one for properties within Toronto and another for those outside of Toronto. The tax rates differ, and it’s crucial to consider these costs when planning your home purchase.

Home Inspection Fees

home inspection is a crucial step when purchasing real estate in Ontario which may uncover potential problems with the property that may not be visible during regular viewing before the sale closes, which may allow the buyer to negotiate repairs or a lower purchase price. The cost of a home inspection can vary depending on the size and condition of the property. It should be factored into your budget when purchasing real estate in Ontario.

Appraisal Fees

While purchasing a property, lenders typically require an appraisal to determine the value of the subject property while getting a mortgage. The appraisal cost might differ depending on certain factors, such as the location and property size.

Property Tax Adjustments

The property tax adjustments will be calculated and prorated for both parties based on the closing date. Suppose the seller has already paid property taxes in full for the year. In that case, the buyer will have to reimburse them for the portion of the year they will have the property in possession.

Utility and Other Service Fees

The purchaser might have to pay the utility and other service fees such as hydro, gas, water, and cable. Working with your real estate agent and lawyer is essential to understand all the costs associated with your home purchase and to factor them into your budget.

Buying Real Estate Legal Fees

Purchasing Real Estate

Purchasing real estate in Ontario can be a complex and challenging process, but with the right team in place, it can also be a rewarding and enjoyable experience. By working with experienced professionals, you can ensure that your purchase goes smoothly and that your interests are protected every step of the way.

Once you have signed the agreement of purchase and sale for a new home in Ontario, it’s important to start working with a Toronto real estate lawyer as soon as possible.

At Insight Law, we will conduct a title search, get your title insurance in place, complete the registration under your name and prepare your Statement of Adjustments, and facilitate the financial aspects of the transaction on the closing day. Once the transaction is complete, we will provide you with the lockbox code to access your new home. With the help of a skilled and experienced real estate lawyer, you can enjoy a smooth and stress-free home purchase in Ontario.

$ 1,250
+HST & Disbursements
  • ✔ Reviewing the Agreement of Purchase & Sale
  • ✔ Title search review
  • ✔ Writ search review
  • ✔ Reviewing documents sent by the vendor’s lawyer
  • ✔ Preparing file including mortgage, transfer and other closing documents
  • ✔ Making sure the title is clear of liens
  • ✔ Communicating with financial institutions (if applicable)
  • ✔ Making the necessary arrangements for title insurance
  • ✔ Contacting you to book an appointment for signing
  • ✔ Remote signing available at no extra cost
  • Additional charges for transactions >$1M

*Additional charges will apply for special conditions such as multiplemortgagese, bridgeloansn, privatelendersr, rush fees, investment properties, commercial properties, etc. Please contact us for a detailed quote for your situation.

Buying & Selling Real Estate

Buying and selling real estate can be stressful and time-consuming, but it can add a whole new level of complexity when you need to do both simultaneously. In Ontario, buying and selling real estate simultaneously requires careful planning and preparation to transition from one property to another smoothly.

Most people use bridge financing as an option if they need to buy a new property before selling their current one. This type of financing allows you to access the equity in your existing home to put towards a down payment on your new property.

When buying and selling real estate simultaneously in Ontario, working with a real estate lawyer is essential to ensure that your interests are protected throughout the process.

$ 2,195
+HST & Disbursements
  • ✔ Reviewing the Agreement of Purchase & Sale
  • ✔ Title search review
  • ✔ Writ search review
  • ✔ Reviewing the requisition letter from the purchaser
  • ✔ Reviewing the documents sent by the vendor’s lawyer
  • ✔ Reviewing documents sent by the purchaser’s lawyer
  • ✔ Drafting transfer, sale, discharge of mortgage and other closing documents
  • ✔ Coordinate payment of mortgage balance and completing the discharge
  • ✔ Communicating with financial institutions (if necessary)
  • ✔ Preparing file including mortgage, transfer and other closing documents
  • ✔ Making sure the title is clear of liens
  • ✔ Communicating with financial institutions (if applicable)
  • ✔ Making the necessary arrangements for title insurance
  • ✔ Contacting you to book an appointment for signing
  • ✔ Remote signing available at no extra cost
  • Additional charges for transactions >$1M

*Additional charges will apply for special conditions such as multiple mortgages, bridge loans, private lenders, rush fees, investment properties, commercial properties, etc. Please contact us for a personalized quote tailored to your specific situation.

What does a real estate Lawyer do?

Real Estate Lawyers handle the Conveyancing of the Property which includes handling of the paperwork that transfers the property title to your name, deal with your mortgage financing, and pay the seller the purchase price. Real estate lawyers review the legal documents and issues related to a transaction including the legal review of the Agreement of Purchase or Agreement of Sale.

Buying or selling a home in Toronto might be quite challenging since this may be the single most important transaction lifetime. While making every effort to ensure the transaction is closed smoothly and on time, our lawyers will also assist you in understanding the details of your transaction and strive to be accessible to you throughout the whole process. We provide quality legal services in real estate law to individuals and businesses while protecting the best interest of our clients even in the most complex matters.

Real Estate Mortgage Lawyer Toronto

Why Choose Insight Law Professional Corporation


We take pride in our work and are committed to providing knowledgeable and friendly service to all our clients. Our team is dedicated to ensuring that you have a positive experience and we strive to achieve optimal results in every case we handle.

Client Focused​

Client satisfaction is at the forefront of everything we do. We place a high priority on client satisfaction and takes a personalized approach to every case. We take the time to listen to clients, understand their needs, and develop tailored solutions that meet their unique requirements.


We have nothing to hide. Our fixed prices and hourly rates are visible upfront. Most of our add-ons are fixed line items. Because honesty is the best policy, and it saves time on both sides. We offer a free 15-minute consultation to understand your needs and to review our fees.


We understand that our clients lead busy lives, and it may not always be possible to for everyone can meet during normal working hours. We can accommodate your schedule and discuss options to suit your needs.

Client Testimonials

Real Estate Lawyer Frequently Asked Questions

Real estate lawyers provide a wide range of services, including drafting and reviewing contracts, negotiating deals, conducting due diligence, advising on zoning and land use regulations, handling title searches, and order title insurance.

Whenever you are involved in a real estate transaction, whether you are buying, selling, leasing, or managing property, you should consider hiring or consulting a lawyer.

A title search is a process of examining public records to determine the legal ownership of a property and to identify any liens, mortgages, or other encumbrances on the property.

Title insurance is an insurance policy that protects the buyer and lender from losses that may occur due to defects in the title, such as undisclosed liens, boundary disputes, or errors in public records.

Disbursements refer to the various expenses incurred during a real estate transaction. These expenses can include things like land transfer taxes, title searches, title insurance, appraisal fees, tax certificates, software and office charges, and any other costs that are associated with the transfer of ownership from one party to another.

The Agreement of Sale and Purchase is a legally binding document that can be enforced in court. Therefore, it is not advisable to sign a second agreement without the seller's consent to release you from the first agreement, or without being willing and able to purchase both properties.

While it is possible to back out of a real estate deal, there are potential consequences. In cases where the seller incurs expenses such as mortgage holding costs or legal fees, or is unable to quickly resell the property, there is a likelihood that you may lose some or all of your deposit. Furthermore, if your offer was considerably higher than the new buyer's, the other party may choose to pursue legal action against you.

Purchasing land entails paying taxes to the Province of Ontario, which are determined by the land's assessed value. If you are a first-time homebuyer, you may qualify for a partial refund of the land transfer tax.


Please refer to the Government of Ontario website for calculating the Ontario Land Transfer Tax:


If the property is located in Toronto then an additional Toronto Municipal Land Transfer Tax will also apply:


Land Transfer Tax Calculator (Ratehub) logo

The cost of hiring a real estate lawyer varies depending on the nature of the work, the type of the real estate transaction, the complexity of the transaction, and the experience of the lawyer. Some lawyers charge on an hourly basis, while others charge a flat fee.

If you buy a pre-construction condominium from a developer, there will be a period between the time you acquire possession of the unit and when you take full ownership. This period is also referred to as the "occupancy period" or "interim occupancy". Throughout this interval, the developer will ask you to pay occupancy fees, also known as "phantom rent."

Real estate agents can help you find a property that suits your needs and provide valuable assistance in buying or selling a property, but they are not licensed to provide legal advice. It is important to hire a real estate lawyer to ensure that your legal interests are protected.

An agreement of purchase and sale is a legally binding agreement between a buyer and seller that outlines the terms and conditions of a real estate transaction, including the purchase price, financing terms, and contingencies. It defines the rights and obligations of both sides regarding the subject real estate transaction.

Typically, certain agreements of purchase and sale contain contingencies (or conditions) that must be met before a real estate transaction can be completed. Common contingencies include home inspections, financing approval, and appraisal.

An easement is the legal right for one property owner to enter another’s without permission. An Easement runs with the land and binds all subsequent owners.

Yes, a real estate lawyer can help with leasing commercial property by negotiating lease terms, reviewing contracts, and ensuring that the lease complies with applicable laws and regulations. Both landlords and tenants can hire their own real estate lawyers in order to obtain legal advice and other legal services regarding the lease. 

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