Lawyers

When purchasing a home in Ontario it is required that both the Seller and the Buyer retain the services of a lawyer. The lawyer on your behalf will make sure that all the documentation is in order prior to closing. They will also perform a title search to ensure that the property that is being sold has clear title. If there is an issue with title they will send a letter to the other lawyer to try and resolve the issue prior to closing.

Listed below are lawyers that come recommended.

Leslie Kirk
34 Hawthorne Avenue
Ottawa, Ontario K1S 0B1
613-238-8006 (telephone)
613-230-8855 (fax)
www.mjfandassociate.com/


BellBakerLLP Barristers and Solicitors
7-116 Lisgar
Ottawa, Ontario K1A 0K1
(613) 237-3444
www.bellbaker.com

Martin D. Owens
mowens@bellbaker.com
www.bellbaker.com

With over 25 years’ experience, Martin Owens has a large solicitors practice, with a focus on real estate, wills, estate administration, and business law.  Martin regularly acts for various large and small, public and private sector organizations, and has also assisted a local school board in the acquisition, development and sales of dozens of school sites.  Martin obtained his Bachelor of Laws degree from Ottawa University in 1979 and was called to the Ontario Bar in 1981.


Geoffrey A. Howard
ghoward@bellbaker.com

Geoff Howard joined Bell Baker as a partner in 2006 and brings with him over 20 years of experience advising clients on a broad range of matters involving business law, general corporate and commercial law, commercial leasing and real estate development, as well as residential purchases, sales and refinancing. He also advises clients on business acquisition and estate planning issues. Geoff graduated with an honours degree in Economics from the University of British Columbia. He received a masters degree in Economics and his law degree from Queen’s University in Kingston. He was called to the bar of Ontario in 1980. Geoff has been a long time seminar leader at the Ottawa Bar Admission Course and was Senior Instructor and Lecturer for the Corporate Commercial section from 1988 to 1997. He has also participated as a speaker, panel member and chair for Continuing Education Programs with the Law Society of Upper Canada.


Insurance

When you are purchasing a home in Ontario it is required that you have home insurance lined up prior to closing. It is a requirement from the lender that the investment (the house) is insured, to protect the lender in case of fire/damage. When purchasing an older home a condition pertaining to being able to acquire insurance for said property may be included in the offer. You want to make sure that the home is insurable or you may run into issues upon closing.

When you are shopping for home insurance it is a good idea to have your home inspection available for reference. You will have to answer many questions regarding the home and the inspection is a great source of information to help answer those questions. You will also have questions for your potential insurer. Here is a list of questions that you may want to ask:

  1. Find out what is not covered under the policy.
  2. What are the limitation’s with regards to jewelry, computers – valuables?
  3. What is the deductable? What are the different premiums based on a higher deductable?
  4. Are there any safety features that I can add to reduce the price on the policy ie alarm system?
  5. Does the policy cover water damage?
  6. What kind of policy do will I have – what and who is covered?
  7. What is the replacement value of the home?
  8. Is there a discount for insuring other property (cars, boats…) with the company?

Once you have done your homework and shopped around choose the company that offers the best value for your needs.