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Residential Real Estate Law

Paquette Travers offers legal support for matters related to purchasing, selling and refinancing properties! We understand that the Canadian real estate market is inherently complex, and appropriate legal guidance can help you avoid bad real estate transactions. Our commitment to legal services has made us a trusted name in Waterloo, Kitchener, Cambridge, Guelph and Milton for sound real estate advice. With 40+ years of experience, our lawyers will help you navigate complex legal matters with ease. We assist buyers and sellers in ensuring their purchase or sale transactions are smooth and efficient. Read this page to know more about our real estate services.

Guaranteed Client Satisfaction

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“If you are not satisfied with our services we will refund our legal fee!”

 

“Note: Such issue/concern about “our service” must be communicated at the time of the issue or immediately upon the closing of your transaction and followed up with a written statement in order to be reimbursed our legal fees. Letting us know in writing will enable us to rectify any issues and concerns from happening in the future.”

 

Please note that we may experience some unpredictable circumstances beyond our control during the pandemic which could impact the timing of deliverables. This is due to the fact that we work within a network of partners and providers who may experience delays in their own process, which could impact ours. If this occurs, we will inform our clients of any changes to minimize the impact of unforeseeable circumstances. Please understand that these delays cannot be covered under our service guarantee as they are beyond our control. Thank you for your continued support!

Our Promise

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Convenience

With four offices to service your real estate transactions, you don’t have far to go to complete the purchase or sale of your real property. Or, you can meet with one of our lawyers from the comfort of your own home via video conferencing!

Flexible Meeting Times

At Paquette Travers, we offer after-hours appointments – we’ll do our best to work around your schedule!

Fixed Closing Costs 

Due to our large volume, Paquette Travers is able to offer fixed closing costs on standard purchase transactions and standard sale transactions.

Real Estate Services

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Paquette Travers offers comprehensive legal services for residential purchases, sales and refinances! Check out our services below.

Purchase

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Standard purchase transaction (single residential home) includes:

  • Preparation, review and registration of closing documentation

  • Preparation of one mortgage (mortgage instructions must be received within 72 hours prior to closing or rush charges apply)

  • Title search (for properties located in Waterloo Region, Wellington County, Halton Region)

  • Meeting with you to sign the closing documents, arrange title insurance and review the statement of adjustments

For multiple unit complexes or commercial or industrial transactions, please contact our office for a free quote.

Title Insurance

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There are different approaches we can take to ensure you receive a clear title to the purchase of your home:

  • We can provide a letter of opinion that states that you have a good and marketable title to your property

  • We can obtain a title insurance policy to protect your investment in your property

We recommend the second approach for the following reasons:

  • Our disbursements can be fixed to ensure lower costs

  • The cost of the title insurance will be offset by savings in disbursements

  • Title insurance will cover risks that are not normally addressed by a lawyer's opinion

  • Many financial institutions and lenders require a title insurance policy in order to provide funding and close a purchase transaction

We use title insurance because it is less expensive and provides greater protection. Click here to see the brochure.

 

Contact our office for more information or learn more about Paquette Travers’ full real estate services.

Sale

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A standard sale transaction includes:

  • Preparation of Statement of Adjustments

  • Meeting with you to sign closing documents

  • Preparation, review and registration of closing documentation

Refinance

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Refinancing includes:

  • The renewing of an existing mortgage on your home

  • Taking out a new loan to pay off pre-existing obligations-loan/debt consolidation

  • A way of obtaining a better interest rate, lower monthly payments or borrow cash on the equity of your property that has built upon an existing mortgage

We will contact you:

If there are no problems, we will be in touch with you approximately two or three days before closing to arrange a mutually convenient time to attend our office to review the financial side of the transaction and the closing documents.

Government Disbursements

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First-time homebuyers may be eligible for a refund of all or part of the tax.

  • For agreements of purchase and sale entered into before December 14, 2007, the refund only applies to the purchase of a newly constructed home.

  • For agreements of purchase and sale entered into after December 13, 2007, the refund applies to all homes, whether newly constructed or resale.

For a free quote on our services, please contact us at your convenience.

Land Transfer Tax Calculator

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How Much is the Refund?

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The maximum amount of the refund is $4,000. If the refund is claimed at the time of registration, it may offset the land transfer tax ordinarily payable. If not claimed at registration, the refund may be claimed directly from the Ministry of Revenue. No interest is paid on this refund.

Who Qualifies?

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To claim a refund, you must fulfil all the following criteria:

  • Must be at least 18 years of age

  • Must occupy the home as your principal residence within 9 months of the date of transfer

  • Cannot have owned a home, or an interest in a home, anywhere in the world

  • Must be a Canadian citizen or landed immigrant

In addition:

  • Your spouse cannot have owned a home, or an interest in a home, anywhere in the world while being your spouse; and

  • In the case of a newly constructed home, you must be entitled to a Tarion New Home Warranty

Registration Costs

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There will be an additional charge to register your deed, mortgage, applications to amend/correct title, i.e. name change applications, secured lines of credit, and/or power of attorney, if applicable, on the title for purchase transactions. As well, if we must discharge any and all existing mortgages or secured lines of credit registered on the title of a property in which you are selling, there is an additional government disbursement.

Frequently Asked Questions & Answers

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To help you choose your real estate lawyer, the team at Paquette Travers has put together a list of the most frequently asked questions! At your request, we will provide you with a detailed quote of our closing costs, simply for your peace of mind.

View PDF

Awards

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Don Travers

Voted One of the

Top 3 Real Estate Lawyers

in Cambridge, Ontario

Bryan M. Mayes

Voted One of the

Top 3 Estate Planning Lawyers

in Cambridge, Ontario

Seal of top 3 estate planning lawyers

Nathan Spaling

Voted One of the

Top 3 Real Estate Lawyers

in Waterloo, Ontario

Best Boutique

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Real Estate Law Firm 2020

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Real Estate Covid-19: Frequently Asked Questions and Answers

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