• Fax Agreement of Purchase and Sale - once offer accepted, have either your real estate agent, the builder sales representative or yourself if it is a private transaction fax the Agreement of Purchase and Sale to our office well before the Title Search date is up (see #8 on your Agreement). Please note that it is your responsibility to ensure that all conditions to your Agreement are satisfied and waived. Please notify our office at this time which location you will be signing at.
• Arrange mortgage financing, if required. We can now arrange financing for you through Lawyers Mortgage Network. Advise your lender to send all mortgage documents to our East office at least 3 weeks before the scheduled closing date, if possible. You must make all arrangements directly with your lender concerning frequency and mode of payment. Remember to discuss with your lender any extra charges they might ask for (ie. CMHC or GE charges, administration fees, appraisal fees).
• Name(s) and Date(s) of Birth - please contact our office to indicate the name(s) and date(s) of birth as you wish to see them appear on you Deed.
• Contact your insurance broker for your fire insurance (this does not apply to condominiums) at least 2 weeks before the scheduled closing date. Have them fax an insurance binder (this is a one page info sheet confirming your policy, etc.) to our office ensuring that the 1st Mortgagee and 2nd mortgage if applicable is shown as the institution you are borrowing from (usually the Head Office address not the local Branch).
• Contact your Telephone and/or Cable company a few weeks before closing for setup.
• Contact other utilities. Even though we notify your municipal taxes, water, gas and hydro of the ownership change, we encourage you to contact them to supply any information they may need or to arrange special payment programs (i.e. automatic bank withdrawal.)
• Well and/or septic - if you have either of these, you will need to provide us with a water potability certificate and septic certificate for your lender unless otherwise agreed.
• Powers of Attorney - in the event that you will be unavailable to sign your final documents and you wish to designate either Jacques Robert or another party to sign on your behalf.
• Book your movers no earlier than 11:30 am on the day of closing.
• Please review our Buyer's Guide for further assistance with your home purchase.
  

• Review Agreement of Purchase and Sale
• Prepare the necessary closing documents including mortgage documents
• Obtain search of title
• Obtain title insurance, if applicable.
• Notify municipal taxes, water, hydro and gas of change of ownership and verify for arrears.
• Meet with you for final signatures
• A final report letter will be given to you at the final appointment.
  

1. for Land Transfer Tax and registrations of your Deed and Mortgage(s)
2. for balance due to close
3. for our fees and disbursements
4. (NEW HOME ONLY) for Builder's lawyer's fee to prepare Deed
   

Please be sure to bring picture ID with you at the time of your appointment as we are required to verify same.

On the day of closing, we will have possession of the keys by 5:00 pm. The actual time varies depending on the following factors:

• the time the lawyer for the Seller is prepared to close
• the time the mortgage funds arrive at our office (some banks only after 12:00 noon)
• high volume of closings on-line (mid-month and month-end are worse) 
• traffic for couriers delivering funds, keys, etc. to and from the other lawyer involved