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Buying or Selling Without a Realtor in Ontario: Is It Legal?

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In Ontario, it is entirely legal to buy or sell real estate without using a realtor. These are known as private real estate transactions. While this route may seem appealing due to potential savings on commission fees, it’s not as straightforward as it might seem. Whether you’re purchasing a home from a family member, selling … Read more

What Are “Disbursements” in Real Estate?

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A Simple Guide on Disbursements for Home Buyers, Sellers, and Refinancers in Ontario When you’re closing on a home in Ontario, your lawyer will likely give you a quote that includes two main parts: the legal fee and something called disbursements. That second word—disbursements—often makes people pause. It sounds complicated and might make you think … Read more

Does a Real Estate Lawyer Handle Utilities in Ontario?

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Closing with a real estate lawyer

What You Need to Know about Closing with a Real Estate Lawyer If you’re buying or selling a home in Ontario, you’re likely juggling a dozen moving parts, mortgage approvals, home inspections, legal paperwork, and move-in plans. One common question that comes up is: “Will my real estate lawyer take care of the utilities for … Read more

Title Insurance vs. Title Search in Ontario: What’s the Difference and Why You Need Both

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What’s the difference between a title search and title insurance in Ontario? Learn from Philer.ai, why both are essential when buying a home, what they protect you from, and how they safeguard your property investment, explained in simple terms for first-time buyers.

Can You Sell a House with a Lien on It in Ontario? What Homeowners Need to Know

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If you’re preparing to sell your house in Ontario and find out there’s a lien on the property, don’t panic. A lien doesn’t mean the sale is impossible—it just means there’s one extra step to take. In this beginner-friendly guide, Philer explain what a lien is, how it affects your sale, and the simplest way to resolve it with help from a real estate lawyer. Whether it’s your first time selling or you just want to avoid legal hiccups, we’ve got you covered.

Real Estate Fraud in Ontario: Red Flags and How a Lawyer Protects You

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Buying or selling a home in Ontario is one of the biggest financial decisions you’ll ever make. But with big transactions come big risks — and real estate fraud is more common than you might think. Whether you’re a first-time buyer, a seasoned investor, or preparing to sell your property, understanding how fraud works and … Read more

Buying a Condo in Ontario: What Legal Steps You Shouldn’t Skip

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Thinking about buying a condo in Toronto? With sky-high home prices and growing demand for urban living, condominiums have become a popular choice for first-time buyers, investors, and downsizers alike. But beyond the trendy amenities and stunning city views, there are critical legal steps that you shouldn’t skip—especially in Ontario. In this article, we’ll walk … Read more