Real estate law: Ontario
Mortgage refinancing
Refinancing your mortgage involves more than securing new financing. We handle the legal work required to review title, discharge existing mortgages, register new financing, and satisfy lender requirements.
Refinancing made clear
Whether you are refinancing to access equity, change your mortgage financing, or complete a transaction that requires legal work, we coordinate the legal requirements from start to completion.
Legal support is required for a refinancing, a mortgage renewal, and new mortgage financing.
What we handle
From reviewing your title to completing registration, we manage the legal details of your refinance.
Title review
We review the property's title and identify registered interests or issues that may affect the refinancing.
Existing mortgage discharge
We coordinate the discharge of existing mortgage financing where required.
New mortgage registration
We prepare and register the new mortgage documents required for your financing.
Lender requirements
We review lender instructions and ensure required legal documentation is completed.
Closing and reporting
We coordinate completion and provide the required reporting and final documents.
Your refinance, step by step
Step 1
Review
We review your existing mortgage, title, and refinancing requirements.
Step 2
Documents
We obtain and review the lender's instructions and prepare the required legal documents.
Step 3
Registration
Existing mortgage interests are discharged as required and the new mortgage is registered.
Step 4
Completion
We confirm completion and provide your final reporting and documents.
What we need from you
- Government-issued photo ID
- Current mortgage details
- Lender or mortgage broker contact information
- New mortgage or lender instructions
- Property information
- Current address and contact information
- Information about any special circumstances
- Any documents requested by the lender or lawyer
Common questions
Why do I need a lawyer to refinance?
A lawyer confirms the title, registers the new mortgage, arranges the discharge of the old one, and makes sure your lender's requirements are met before funds are released.
How long does a refinance take on the legal side?
It depends on the lender and how quickly the documents are ready. Your lawyer gives you a realistic timeline once the mortgage commitment is in place.
What will I need to sign?
Your lawyer will explain and prepare the mortgage documents and any lender instructions, and you will sign them at a meeting or by an approved remote method.
Can you work with my mortgage agent?
Yes. Sukhpreet and Gurpreet already work together, so the mortgage details and the legal steps stay in step.
Why choose us
Clear guidance
We explain the legal steps and requirements in straightforward language.
Careful review
We carefully review title, mortgage documents, and lender requirements.
Efficient completion
We coordinate the legal work required to help keep your refinance moving.
Meet Gurpreet
Barrister & Solicitor, Notary Public, Mahal Law Professional Corporation
Gurpreet Singh Mahal is the principal lawyer at Mahal Law Professional Corporation, serving clients across Ontario, including Brampton, the Greater Toronto Area, and Ottawa.
Read Gurpreet's full profile
Start your refinance
Share a few details and we'll call you to talk it through. The first conversation is free.
- Call
- 613-306-9900
- Office hours
- Monday to Friday9:00 AM to 6:00 PMSaturday10:00 AM to 2:00 PMSundayClosed
- Visit
- 101-14 Chamberlain Ave
Ottawa, OntarioGet directions (opens Google Maps in a new tab)