Probate With a Will

Our probate lawyers take the worry out of completing court documents and getting court approval to administer an Ontario estate.

Why is Probate Needed With a Will?

Probate makes collecting assets easier and affirms to beneficiaries you have the court’s approval to deal with real estate and personal possessions the deceased has left behind. A probate certificate allows you to access financial accounts, settle debts, pay final income taxes, and use the deceased’s assets to pay mortgages and other estate expenses.

For the first step to begin, you will need to apply to the Ontario Superior Court of Justice to get court authorization to act on the deceased’s behalf.

Probate court is where a deceased’s final Will and testament are validated as genuine and your appointment as estate trustee confirmed. As long as there is a Will, a visit to probate court is a wise move for any Ontario executor.

At Axess Law, we take the worry out of completing court documents and getting court approval to administer an Ontario estate.

Whether you are the only applicant or next-of-kin or others challenge your right to be an estate trustee, Axess Law gives you practical legal advice at affordable fees or referrals to services that can assist you. We answer all your questions to make administering a final estate easier.

How It Works

01

Book Your Appointment

Click on ‘Get Started’ to submit your details. Our client care team will contact you shortly to schedule your appointment with the lawyer.

02

Meet With The Lawyer

Your first probate consultation is free, without obligation. An Axess Law lawyer will give you a probate quote and answer any probate questions you have.

03

Apply For Probate

Our lawyers will work with you to complete the application forms and apply for probate in the Ontario Superior Court of Justice.

Documents We Need

The legal representation you choose can help the process of probate proceed smoothly. At Axess Law, our lawyers are highly experienced and qualified to assist you in applying for probate. Bring the following for your online video conference (anywhere in Ontario) or in-person meeting at our Greater Toronto Area law offices:

Prior to closing, Axess Law will ask you for two pieces of ID. Proving your identity is obligatory to prevent fraud. You may use either two pieces of primary ID (Ontario driver’s license, passport, Ontario photo card, Canadian citizenship card with photo or Canadian permanent resident card with photo) or one primary and one secondary ID (Birth certificate, social insurance card, or major credit card with your name on it).

Carry the original Will and any revisions called codicils. We file a form 74.13 with the Ontario probate court to get a certificate of appointment of estate trustee with a Will.
You will be required to submit proof of death while filing the application. This would include documents such as a death certificate from the funeral home or coroner.
Make an estimated value of the deceased’s estate. You can revise the asset list later if other real properties or personal possessions are located.
Don’t worry if you have valued all the estate assets yet or don’t have a complete list of beneficiaries. Your initial efforts are fine for our purposes.

Assets You Need to Probate in Ontario

Assets, where probate is legally required, include:

  • Ontario real estate (see exceptions under Avoiding Probate Court)
  • bank accounts in Canadian or foreign banks, unless they are jointly owned
  • investments left to the estate, such as stocks, bonds, mutual fund units
  • TFSAs, RRSPs or RRIFs left to an estate
  • RESPs in a single subscriber’s name, which become an estate asset
  • vehicles, including cars, trucks, boats, motorcycles or trailers, regardless of where they are located
  • goods or material, such as personal possessions 
  • business property and interests, such as a family-owned store or shares in businesses 
  • insurance policies left to an estate.

How Long is Probate With a Will?

How long probate takes with a Will depends on the size and complexity of the deceased’s estate. Probate can take weeks or months in smaller centres or months in the Greater Toronto Area. Notifying creditors and beneficiaries, filing the right paperwork, and having probate documents reviewed by a judge all takes time. 

Axess Law has probate lawyers nearby who can meet with you in person or, if it’s more convenient, arrange online video calls anywhere in Ontario to discuss probate procedures. We work with the court to process probate applications as quickly as possible and make it easier on everyone involved.

When to Get a Probate Consultation?

You Need Probate If:

The deceased owned real estate of their own

The deceased had personal bank accounts

The deceased had property outside Ontario

File and pay taxes

What Our Customers Say About Us

We are rated 4.8/5 based on 1,475 reviews.

Convenient Appointments

Make an appointment by calling +1.877.402.4207 or fill out our online booking form. Axess Law gives you the choice of booking an online or in-person appointment. Our lawyers are available 7 days a week, at times convenient for you. We can meet in person, by phone, email, or via a remote video call. In addition to these, there are 5 Axess Law offices located across the Greater Toronto Area – all with onsite parking or easily accessible by public transit.

Some FAQs

By now you may be wondering, how can you avoid probate with a Will? Depending on the circumstances, small estates under $50,000 or where specific assets are left to designated survivors or beneficiaries may not require probate.

Many Will makers create multiple Wills to reduce estate administration taxes. A secondary Will may include assets that do not require probate, meaning you only need to probate the primary Will in an Ontario court.

Probate makes personal Wills public information. You may prefer to keep financial information private by avoiding probate altogether. Assets where probate is not necessary include:

  • real estate owned outside Ontario
  • some real property owned by joint tenants, typically a spouse or adult child
  • death benefits from Canada Pension Plan (CPP)
  • jointly owned bank accounts, RRSPs, RRIFs or TFSAs with named beneficiaries, not ‘estate’
  • life insurance policies with named beneficiaries other than ‘estate’
  • RESPs where both spouses or partners were joint subscribers.

Applying for probate with a Will requires an application to a court in the area where the deceased lived, affidavits from witnesses who executed the original Will, and an estimation of the value of the deceased’s assets. Axess Law’s Greater Toronto Area Wills attorneys prepare legal documents for filing in Ontario probate court and advise you on legal technicalities you may not know about.

We can refer you to qualified lawyers who can defend you in court if your appointment or decisions as an estate trustee are questioned. Our probate lawyers can also prepare court forms if you want to resign as estate trustee, before you begin administering the estate, or if you find the task is more than you can manage.

Probate court judges will examine the probate application your Axess Law lawyer presents. The court will then collect the estate administration tax, based on the estimated value.

You pay:

  • no tax on the first $50,000 or less
  • and $15 for every $1,000 after $50,000.

Taxes are due when the probate application is submitted, by bank draft payable to the Ontario Minister of Finance.

Co-sharing makes the most of your mortgage money. As long as you have a strategy for how shares in your new investment will be divvied up or bought out in case of a split-up, co-sharing can keep your home buying expenses way down. Just in case, protect your interests by having Axess Law draft a cohabitation agreement for you.
Probate can be optional for certain estates that are small (under $50,000), organized to avoid probate or if beneficiaries agree not to challenge the Will or estate trustee certificate. Banks, credit unions and investment companies are reluctant to grant access to a deceased’s financial accounts without proof you are the estate trustee. Regardless of how modest or straightforward an Ontario estate may be, you still may need to probate a Will.

You Need Probate If:

  • The deceased owned real estate of their own or with others, not jointly with a spouse or common-law partner.
  • They had personal bank accounts besides a joint spousal account.
  • Their bank, credit union, investment advisor or creditors need evidence you are the estate trustee. 
  • Foreign or non-registered investments are involved, such as stocks, bonds or options.
  • The estate is named beneficiary for insurance, RRSPs, RRIFs or TFSAs.
  • They have property outside Ontario, such as vehicles, trailers or ATVs.

You Don’t Need Probate for:

Some Will makers include assets not requiring probate in secondary Wills, such as: 

  • real estate located outside Ontario
  • bank accounts or Ontario property owned with joint tenants that can be transferred using a survivorship application
  • pensions and Canada Pension Plan death benefits
  • insurance or registered assets like RRSPs, RRIFs or TFSAs with named beneficiaries
  • or RESPs with joint subscribers.

Assets with named beneficiaries or subject to rights of survivorship can pass outside a Will, with no probate required.

Probate court judges will examine the probate application your Axess Law lawyer presents. The court will then collect the estate administration tax, based on the estimated value. 

 

You pay:

  • no tax on the first $50,000 or less
  • and $15 for every $1,000 after $50,000.

Taxes are owed when the probate application is submitted, via bank draft payable to the Minister of Finance.

Axess Law’s Ontario probate consultants are highly experienced and can help you apply for probate in a court near you. They offer legal advice on Ontario estate law, review Wills for probate and draft probate applications with a Will or without a Will. They can even inform you about filing deadlines for final income taxes and estate tax returns and to ensure creditors, mortgages and property taxes are paid on time.

As estate trustee, you hope probate will go quickly and efficiently. Errors or omissions on court forms can delay your application. Having a probate lawyer reduces how long is needed for probate applications to be granted.  We guide you through the process to ensure everything is in order and advise you what to do if others object to your application. 

Probate can take two to four weeks in smaller municipalities or months in the Greater Toronto Area. Our probate lawyers nearby can meet with you in person or, if it’s more convenient, arrange probate video calls anywhere in Ontario.

Estate information return form 9955e can be submitted online or delivered by hand, mail, courier, or fax once you have an estimate of the assets’ value. The EIR is completely different from the deceased’s final income tax return, which you must also prepare. Axess Law’s Ontario virtual Wills and estates lawyers help you understand all of your estate trustee obligations.

It’s not unusual for estate trustees to still be collecting and valuing assets before the EIR deadline is up, simply estimate their value, and complete the estate information return online submission. Courts don’t expect estate trustees to be able to guess what real property, financial assets, or personal possessions are worth. Valuations are best done by asking professional appraisers for an asset’s fair market value. Appraisal costs can be deducted from the estate proceeds, with whatever is left after professional fees (including your own) going to the beneficiaries.

As an estate trustee, you can correct an inaccurate or incomplete return within four years, as long as you submit the information within 30 calendar days of discovering an error. You must complete a revised EIR and submit it the same way you did the original. If you underestimated the estates’ value, you must submit an amended EIR within 60 calendar days of receiving the new valuation. If more than four years have passed, write to the Ministry of Finance with the updated information. Assets that have been appreciated since your first estimate do not affect the estate, since taxes are based on their value on the day the deceased died.
As an estate trustee, not completing an EIR could get you in trouble. The Ontario Ministry of Finance may audit estate taxes after you submit an EIR. If you are reckless or neglectful in how you report assets, fail to file a return, commit fraud or leave out information, the taxes may be reassessed. Estate trustees can be fined from $1,000 to twice the amount of estate tax payable and/or be sentenced to up to two years in prison for misrepresenting an estate’s value.
Yes, hiring a lawyer can remove the stress of the estate returns process. With Axess Law’s Wills and Estate lawyers, you can take the complexity out of meeting strict deadlines for compliance with court undertakings and submitting information to the Ministry of Finance. We help ensure your EIR is accurate, complete, and on time. We also advise you on filing the EIR with the Ontario government and getting on with distributing the estate to beneficiaries. Axess Law helps you figure out estate trustee responsibilities and legal obligations in Ontario.