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Toronto property lawyer helping purchasers of newly built condos understand disclosure requirements, builder obligations, and closing documentation needs.
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The stress test at renewal gave me sticker shock, I had assumed it only applied to first-time buyers until the renewal docs hit our mailbox.
Late night kitchen table math had my wife and I scanning how a 0.25% change altered payments on our Brampton semi over 25 years.
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Weeknight emails had me mapping equity for a basement reno, the broker's explanation of appraisal timing changed how we scheduled work.
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After a bank's quick "no" to my friend who is self-employed, a broker's call explained alternative lenders and how add-backs were used to qualify him.