St. Catharines Ontario Lawyers

Flip investment properties quickly and for less with Axess Law’s remote real estate lawyers in St. Catharines, Ontario. We handle all the legal work for your income property. Axess Law St. Catherines is a virtual lawyer service.

Real Estate Lawyer in St. Catharines

Axess Law gives you the legal assistance you need to close real estate transactions. Our remote, flat rate legal services save you time and money. Access St. Catharines, Ontario, real estate lawyer services from your home or office 7 days a week. If you’ve never used virtual real estate lawyer services before, we show you how to connect via any compatible computer, laptop, tablet, or mobile device.

Buying a Real Estate Property in St. Catharines

Canada real estate transactions are legal once a licensed lawyer transfers title to a property to the rightful owner. Axess Law’s virtual lawyers in St. Catharines, Ontario, carry on where real estate services leave off. Email your offer to purchase to us. We review it for terms or conditions that could affect your buyer’s right to cancel. Axess Law St. Catherines discharges or finalizes mortgages to make your home purchase complete.

Selling a Real Estate Property in St. Catharines

Talk to Axess Law St. Catharines when you sell your home or income property. Only a licensed real estate lawyer in Ontario can complete your sales transaction to make it legally binding. Axess Law St. Catharines connects with you via secure, confidential video conference anytime you need a virtual real estate lawyer. We go over your sales contract in detail to protect your financial interests.

Refinancing a Real Estate Property in St. Catharines

Refinance Ontario homes or land to make payments more affordable. Take advantage of private lender offers, or pursue better interest rates from other lenders. Even with prepayment penalties for dissolving a mortgage, you may still come out ahead. 

Axess Law St. Catharines’ virtual lawyers discharge your old mortgage, and witness your signature on documents your new lender needs when you find a mortgage you prefer.

About St. Catharines

The Garden City earned its name from an impressive, 1000-acre web of gardens, parks, and trails. Showy Montabello Park, festooned with roses and an ornamental fountain, was designed by Frederick Law Olmsted, creator of New York City’s Central Park. The downtown is a delight of restored brick heritage buildings with boutique shops, bars, cafés, and antique street lamps. Passersby on Niagara Region’s Wine Route driving tour can see working ship locks at the Welland Canal that travels through the community. General Motors is still a major employer, but today Niagara’s largest city is “call central” for the telecommunications industry.

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Sign Legal Documents by Video

Axess Law video conferences with you anywhere in Ontario. Call to talk to real estate lawyers 7 days a week, day or evening, at your convenience. Our virtual lawyer services make it easier to get legal services. Timely legal advice and low flat rate legal services — make your appointment by dialing 647-479-4118, toll free to 1-877-552-9377, or use our easy online booking form. Debit, cash, VISA or Mastercard accepted.

Some FAQs

They are, as long as they aren’t the property’s sole use. Short-term rentals (STRs) are only allowed in your primary residence, or occupied income properties. You must rent the entire home, for not more than 28 consecutive days, and have one parking space per bedroom. A home-based business licence is required. Read this checklist before you apply.

Selling before you buy has one definite advantage: you know exactly how much you have to spend on your next home, or invest if that’s your goal. A completed sale tells you what buyers consider your home to be worth. That eliminates worrying that you offered too much for your new home, or that you were over optimistic about how soon your home would sell. 

Besides, mortgage lenders can base financing a new dwelling on having a signed agreement of purchase and sale. Without a mortgage, you may not be able to make any offer, or have to walk away, leaving your deposit on the table, because your home took longer to sell than you thought.

Here’s another reason to sell before you buy: to avoid carrying two mortgages if you can’t buy and sell on the same day. Even a gap of a few weeks between when your new home transaction closes, and the sale of your current home concludes, can leave you paying interest for temporary bridge financing.

A backyard, in-ground swimming pool can be the suburban dream. Beyond worrying about water safety (look for or install four-sided, self-latching, self-closing fences), they are extra, outdoor living space. Think of an outdoor pool as your summer living room.

A newer, In-ground pool in good condition adds 6% to 10% to a home’s value, according to blue2green.ca. Average cost is $20,000 to $40,000. Pools that are 30 years or older, need repairs, have plastic liner or lack a safety gate can detract from your home’s appeal. So can installing a pool in a place with cool, windy, or wet summers.

Having the only pool in the neighbourhood can also be a drawback. It’s the equivalent of owning a sprawling multi-storey on a block of modest semi-bungalows.

You’re wise to wonder how softening home prices, something the Bank of Canada aims to achieve, will impact you. Household debt is high, while housing affordability is off the map. Torontonians spend 68% of their median household incomes on housing, way over the 40% lenders consider affordable. 

CMHC considers Toronto highly vulnerable to a price correction due to price acceleration, an overheated housing market, and overvaluations. Major mortgage lenders see the “froth” churning home prices upward as slowing.    

So what could happen during an inflation? Higher interest rates for mortgages and credit cards, property taxes, and household expenses equal more financial stress for owners. More home buyers than ever have sunk their wealth into housing, and some only dodged pandemic job losses by getting CERB or EI. They may have to cut their losses if wages stay static, or higher living costs outstrip their budget. 

Consumer proposals to settle household or mortgage debts can force lenders to resell those homes at cost. While that brings more houses to market, it may put downward pressure on prices because lenders are usually impatient to sell. Better-heeled buyers can afford to outwait higher prices to net bargains from cash-strapped sellers. That may take some edge off Ontario home values. 

On the upside, government is out to tame inflation, and you could also profit. 

  • Housing supply in Canada is notoriously low. Some buyers shrug off inevitable drops in value. They don’t have a crystal ball either, and “they’re not making more land.” 
  • The end of pandemic-driven upsizing for home schooling and remote work offices could flatten some home prices. You win anyway if your home went up in value. Only 20% of Canadians expect to go back to working in person, and many want a mix of remote and office work.   
  • A remigration to cities as the pandemic eases could take a toll (or not) on home prices in the ex-burbs, fringe burbs, and cottage country. Taking your profits while home prices are high could get you more home down the road, in a location of your choice. 
  • Your mortgage drops the longer you hold. Since home prices go up over time, that alone can be a money maker.

Axess Law’s real estate lawyers in St. Catharines review your agreement of purchase and sale for essential clauses that protect your financial and legal interests. We check for your seller’s right to cancel if a buyer is late with a good faith deposit, or to keep the deposit if the buyer walks away without mutual consent.

Our virtual real estate lawyers in St. Catharines amend your contract to change terms and conditions when needed. If a buyer wants minor repairs made or asks to reduce the cost after a home inspection, we negotiate with their lawyer on your behalf.

Axess Law researches title insurance to your property for financial claims or construction liens that can put a hold on sale of your home. We transfer the title to the new buyer, and prepare a final statement of adjustments showing your fees and expenses. Our remote real estate lawyers arrange to collect your home keys, and pass them on to the buyer, concluding your home sale on time and for less than traditional legal services.

Real estate lawyers in Ontario complete the legal documents required to finalize a purchase or sale of a home or land. Concluding a real estate purchase or sale is a legal transaction, separate from the assistance your realtor or MLS listing service gives you. Your home sale or purchase is not valid or legally binding until title to the property is transferred by a lawyer. Your Axess Law lawyer will calculate land transfer taxes, and adjust property taxes and utility costs so you pay only your fair share. Axess Law’s real estate lawyers in St. Catharines check for financial claims or construction liens, and discharge mortgages, then hand you the keys.

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