What is included in our Flat Rate Legal Fee for a Refinance:

  • One FREE remote signing appointment
  • Access to your lawyer & law clerk via phone and email
  • Review of insurance binder
  • Preparation of legal documentation for closing.
  • Review of lender/bank first mortgage instructions
  • Preparation of first mortgage legal documentation.
  • Title Insurance, up to $500,000 of coverage
  • Up to $100 of title and writ searches
  • All internal disbursements such as any software transaction fees, paper, faxes and long-distance telephone charges
  • Registration of one mortgage
  • Paying out, from the proceeds, the first mortgage on title
  • Direct deposit or interac email money transfer the remaining funds into your bank account
  • Any online payments that do not incur a fee, such as paying your Visa, from the proceeds, through internet banking
  • Any in-branch payments that do not incur a fee, such as paying off your line of credit by attending a local bank

What is NOT included in our Flat Rate Legal Fee for a Refinance:

  • Title insurance coverage over $500,000, being the amount over $160.92. Click here to obtain a quote
  • Title and writ searches after the first $100
  • Harmonized Sales Tax
  • Courier fees
  • Wire fees or any other miscellaneous payouts that incur a fee
  • Our flat rate legal fee applies to a residential single-family dwelling on city services, being vacant on closing with one first mortgage and no other encumbrances or liens on title.
  • Additional charges apply to investment properties, commercial properties, occupancy closings, lines of credit or additional mortgages/lines of credit, bridge-loans or any other matter beyond the scope of a standard real estate transaction.