BEFORE CLOSING DAY
(10 Days Before Closing)
Choose Your Real Estate Lawyer
- Complete the client intake form and client onboarding
- Provide identification or complete virtual identification and verification form
- Schedule signing appointment
Confirm Your Mortgage Details
- Make sure all documents are submitted to lender or mortgage broker
- Mortgage commitment is signed
- Your down payment and closing costs are confirmed – arrange for funds to be ready
Set Up Home and Fire Insurance
- Your policy must start on closing day. Send proof to your lender and lawyer.
Set Up Utilities & Services
- Hydro
- Gas
- Water
- Internet & cable
- Waste collection
- Any hot water tank rental
Do Your Final Walk Through
This is your chance to make sure everything looks right.
Check:
- Appliances
- Plumbing
- Electrical
- Any agreed upon repairs
- Condition of the home
Review Your Agreement of Purchase & Sale
Double check inclusions, exclusions, and adjustments so there are no surprises.
Arrange for movers
Your lawyer cannot guarantee a time of closing or when you will receive your lockbox code/key. It is advisable to have movers ready for 3:30pm or later on your closing day.
WITH YOUR LAWYER
(3-5 Days Before Closing)
Sign Your Closing Documents
Meet with your lawyer either in person or virtually to review your closing documents including:
- Closing ledgers
- Transfer/Deed
- Mortgage documents
- Title insurance
Provide Your Closing Funds
Wiring of closing proceeds to the lawyers trust account. Delivering funds early helps avoid delays.
Title Searches & Final Checks
Your lawyer will complete all searches and resolve any issues with the seller’s lawyer so your title is clear.
CLOSING DAY
Stay Available
Your lawyer may need quick confirmations as the final steps happen.
Your Lawyer Completes the Closing
- Receive mortgage funds
- Confirms any outstanding items are resolved
- Transfer funds to the seller’s lawyer
- Exchanges closing documents with seller’s lawyer
- Register your Transfer and Mortgage
- Confirm you are the new legal owner
- Contact municipality for change of ownership
Pick Up Your Keys
Keys are usually held in a lockbox at the property. Lockbox code is released once registration is complete. This can happen anytime between 9:00 am and 5:00 pm on closing day.
AFTER CLOSING
Update Your Address
- Canada Post
- Driver’s licence & health card
- Banks, employer, insurance
- School and medical offices
- Any other service providers
Review Your Closing Package
Your lawyer will send you:
- Your final report
- Registered deed
- Title insurance policy
- Mortgage documents
- Final accounting ledgers
OPTIONAL BUT RECOMMENDED
Test All Systems Again
HVAC, water heater, appliances, smoke/CO detectors — just to be safe.
Secure Your Home
Consider changing locks or reprogramming smart locks and security systems.
