Professional legal support for buying, selling, refinancing, and transferring residential property — handled with care and precision.
Purchasing or selling property is one of the most significant financial decisions you will make. Having experienced legal counsel ensures your interests are protected, your documents are in order, and your transaction closes smoothly.
Charles Serapio, Barrister & Solicitor provides comprehensive real estate legal services to buyers, sellers, and lenders throughout the GTA and surrounding areas. We work efficiently to meet your timeline and keep you informed every step of the way.
A property transaction involves many moving parts. We ensure every detail is handled correctly so you can close with confidence.
We assist clients with all aspects of residential real estate transactions in the GTA and the surrounding areas.
We represent buyers through every stage of the purchase process. Our services include reviewing the Agreement of Purchase and Sale, conducting title searches, liaising with your lender, reviewing mortgage documents, preparing the statement of adjustments, and registering the transfer on closing day. We explain each document clearly so you understand exactly what you are signing.
Sellers rely on us to prepare and review the legal documents required to complete their transaction. We handle discharge of existing mortgages, preparation of closing materials, coordination with the buyer's lawyer, and the secure transfer of funds. We work to ensure your closing proceeds efficiently and on schedule.
Refinancing your home involves discharging your existing mortgage and registering a new one. We review your new mortgage terms with you, explain your obligations, handle the legal paperwork, and ensure your lender's requirements are met. Whether you are seeking a better rate, accessing equity, or consolidating debt, we guide you through the process.
Title transfers change the registered ownership of a property. Common reasons include adding or removing a spouse, transferring property to a family member, or restructuring ownership for estate planning purposes. We advise on the legal and financial implications of a transfer and handle all necessary documentation and registration.
A real estate closing involves a coordinated exchange of documents, funds, and keys. We manage all aspects of the closing process on your behalf — from reviewing documents in advance to registering the transfer and mortgage on closing day. Our goal is a smooth, on-time close with no surprises.
Receive Your File
We receive your Agreement of Purchase and Sale, mortgage commitment, and other relevant documents and begin reviewing them for accuracy.
Title Search & Due Diligence
We conduct a title search, verify property taxes, review existing encumbrances, and confirm the property is being transferred with clear title.
Signing Appointment
We meet with you to review and sign all legal documents, including transfer and mortgage documents. We explain each document clearly before you sign.
Closing Day Registration
On closing day, we register the transfer and mortgage, exchange funds with the other parties, and confirm that the transaction is complete.
Reporting Letter
We provide you with a comprehensive reporting letter summarizing your transaction, including copies of all registered documents for your records.
Answers to common questions about real estate transactions. Contact us for guidance specific to your situation.
In most Canadian provinces, a real estate lawyer is required to complete a property transaction. A lawyer conducts the title search, reviews all documents, handles the exchange of funds, and registers the transfer of ownership. Having a lawyer protects your interests throughout the transaction.
Ideally, you should contact a real estate lawyer as soon as your offer is accepted — or even before you make an offer if you have questions. This allows enough time to review the agreement and complete all required steps before the closing date. Providing at least a few weeks notice is helpful.
We review the Agreement of Purchase and Sale, conduct a title search to ensure the property has clear title, examine any existing mortgages, liens, or encumbrances on the property, review the mortgage commitment and instructions from your lender, prepare the statement of adjustments, and register all documents on closing day.
Title insurance is a policy that protects homeowners and lenders against losses from title-related issues, such as fraud, survey errors, or undisclosed encumbrances. Most lenders require it. We can explain the options available and whether title insurance is appropriate for your transaction.
Closing costs are expenses in addition to the purchase price. They may include land transfer tax, legal fees, title insurance premiums, property tax adjustments, and registration fees. We will provide a clear estimate of your anticipated closing costs well before the closing date so there are no surprises.
Whether you are buying, selling, refinancing, or transferring property, Charles Serapio, Barrister & Solicitor is here to help. Contact us to arrange a consultation.
Please do not submit confidential, privileged, or time-sensitive information through this form. Submitting an inquiry does not create a lawyer-client relationship.
Contact Charles Serapio, Barrister, Solicitor & Notary Public today to speak with a real estate lawyer. We are ready to assist you every step of the way.
Submitting a contact form or calling our office does not create a lawyer-client relationship.