MORTGAGE & FINANCING LEGAL ASSISTANCE
Mortgage & Financing Legal Assistance
Mortgage funding is central to many closings. We assist with the legal documentation and registration requirements associated with your lender’s instructions.
Coordinating lender instructions
Provide the lender’s details early and confirm that instructions will be sent to our office. Changes to borrowers, ownership, or loan terms may require updated documentation.
Understanding funding requirements
We explain the legal documents we prepare within our retainer. Ask your lender or broker about approval, rates, and funding conditions; tell us immediately if your financing arrangements change.
Mortgage terms and lender conditions
Mortgage approval is not the same as receiving complete legal instructions for closing. We review the lender’s documents within the retainer and identify requirements for registration, insurance, ownership, and funding.
Understand the commitment
Raise questions about interest, repayment, renewal, prepayment charges, guarantees, and additional security before signing. Some questions need confirmation directly from the lender or mortgage broker.
Institutional, private, and additional financing
A private mortgage or additional charge can involve different fees, repayment arrangements, and priority requirements from a standard institutional loan. The existing title and other secured borrowing can affect what a new lender requires.
Independent advice and representation
Tell us who is borrowing, guaranteeing, or providing security. The parties’ interests determine representation and whether separate legal advice may be required.
From title review to mortgage registration
The closing process may involve title inquiries, discharge of existing charges, execution of security documents, and satisfaction of the lender’s conditions. Funding depends on receiving both the instructions and the required information in time.
Help avoid last-minute changes
Advise us promptly if the lender, loan amount, ownership, or completion date changes. Provide your broker’s contact information and identify any linked purchase, sale, or refinance.
Information needed for financing legal work
A financing change can affect the legal documents even where the property and closing date remain the same. Explain any private lender, additional charge, guarantee, or ownership change before documents are prepared. We discuss representation, registration requirements, and what must be received before funding can be requested.
Documents to prepare
- Mortgage commitment and all lender conditions
- Details of existing secured loans and proposed payouts
- Names of borrowers, owners, and guarantors
- Purchase agreement or refinance instructions
Let’s discuss your next step
Contact Maki Law for practical guidance on your property transaction or construction matter.
416-991-4775 · contact@maki.law
136A Avenue Rd, Toronto, Ontario M5R 2H6
MAKI LAW
Address
136A Avenue Rd
Toronto, Ontario M5R 2H6
Contact
416-991-4775
Fax: 416-981-3420
contact@maki.law
Service Areas
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General information only. Contact our office for advice about your circumstances.