Real Estate Financing Lawyer Toronto
- Fixed closing costs
- Perfect Title Record
- No upfront payments
- Remote signing
- Over 25 Years of Excellence
- Hire us easily
Based on 340+ reviews
Buying Property.
$999* + Tax
Selling
Property.
$999* + Tax
Mortgage
Refinancing.
$999* + Tax
Title Transfer.
$999* + Tax
Trusted to Advise in
Clear financing legal support for Toronto property transactions
A real estate financing lawyer in Toronto handles the legal work that connects your lender’s funding to your purchase, refinance, or property transfer. Toronto buyers, owners, and investors may need this support when mortgage instructions, title requirements, or closing dates must align.
Our real estate financing lawyers review lender instructions, mortgage commitments, title details, and closing documents. We communicate with lenders, brokers, and other lawyers, prepare required registrations, and address requisitions that arise before funds can be advanced through Ontario’s electronic land registration system.
Every financing arrangement differs, especially where a private lender, existing charge, or unusual title issue is involved. Speak with a lawyer about your documents and closing date for a clear fixed quote with no obligation.
Why Choose Zinati Kay
Our legal fee for standard residential purchases, sales, mortgage refinancing, and title transfers is $999* + tax. It excludes land transfer tax, government registration fees, and disbursements. Those additional charges vary by transaction, so your quote itemizes them before you commit. You pay nothing until closing, which avoids an upfront payment while your financing is being arranged.
We have served Toronto and Ontario real estate clients for 25+ years. When you book, you speak directly with a lawyer, not a representative. That gives you a clear starting point for reviewing lender instructions, documents, and the timing of your transaction.
Based on 340+ reviews
Benefits of Working With Zinati Kay
Long record on title
Our team has closed over 25,000 real estate deals without a title claim. That record reflects careful attention to registered ownership, charges, easements, and lender requirements before documents are signed and funds are released.
Earlier title issue review
Professional title searchers, rather than clerks, examine title records for Toronto transactions. Reviewing registered charges and title details early gives the legal team more time to raise requisitions or coordinate required documents before closing.
Client feedback considered
Clients have given the firm a 4.9/5 rating from 340+ reviews. Financing clients receive practical explanations of their documents, because knowing what a lender requires helps them provide information and sign with context.
Experienced legal leadership
John Zinati leads a team of lawyers and law clerks focused on Ontario real estate work. The firm is regulated by the Law Society of Ontario and has received multiple years of recognition from Three Best Rated.
Purchase mortgage closing
We review the lender's instructions for a purchase mortgage, coordinate the required closing documents, register the mortgage charge, and arrange for funds to be applied on closing. This work must fit the agreement of purchase and sale and the lender's funding conditions.
Mortgage refinancing
For a refinance, we review the new lender's instructions, obtain payout information for existing secured debt, prepare closing statements, and register the new charge where required. Discharge timing and lender conditions need review before funds can be advanced.
Private mortgage documentation
Private financing can require careful review of the mortgage terms, security, priority, and repayment provisions. A real estate financing lawyer in Toronto can explain the legal documents and identify title or registration issues that may affect the proposed arrangement.
Title transfer financing
A transfer between spouses, family members, or co-owners can involve both title and financing issues. We review whether an existing lender must consent, prepare transfer documents, and coordinate registration steps with the parties and lender where applicable.
What You Get With Zinati Kay
- Review of lender instructions and mortgage commitment documents
- Title examination for registered charges, easements, and ownership details
- Clear explanation of financing documents before you sign
- Coordination with your lender, broker, and closing lawyer
- Preparation of mortgage registration and closing documents
- Review of payout or discharge statements when refinancing
- Requisitions raised where title matters require clarification
- Statement of adjustments reviewed for closing accuracy
- Signing appointment with remote options available across Ontario
- Electronic registration through Ontario’s land registration system
- Closing funds handled according to lender instructions
- Post-closing reporting and registered document follow-up
27,000+
Homes closed
1,000+
Of return client
1,000+
Of multiple transaction clients
0
Title Claims
Land Transfer Tax in Toronto
The Zinati Kay Process: How We Work With You
You speak with a lawyer about the property, financing type, lender, and closing date. We identify the documents needed and provide a fixed quote. Earlier review is useful when a closing date is already set.
We review the agreement of purchase and sale where relevant, lender instructions, mortgage commitment, and available title information. The review identifies required registrations, existing charges, and documents that may need clarification before funding.
Professional title searchers examine registered title, and our team reviews results against the lender's requirements. We prepare or respond to requisitions, request payout details where needed, and coordinate outstanding closing items with the appropriate parties.
We explain the financing and closing documents before they are signed, including undertakings and mortgage materials. Remote signing is available across Ontario where appropriate, while Toronto clients may also arrange signing at our CityPlace office.
On closing, we register documents electronically where required, receive and apply funds according to instructions, and report completion. We then provide follow-up documents and confirm registered information, subject to the timing of the land registration system.
Step-by-Step Guide to Our Real Estate Services
Real Estate Financing Lawyer Toronto FAQ
Contact Us | NO OBLIGATION QUOTE
Please feel free to contact us directly by phone or email at the number or email below or complete this information form and we will be happy to get back to you.
Tel: 416-321-8766
Fax: (416) 321-8267
Email: john@zinatikay.com | info@zinatikay.com