ARCHIVED BLOG POSTS
2009
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Does Title Insurance make sense? By Brian Madigan LL.B.That's a good question. Prior to 1997, there was no commonly available title insurance in Ontario and yet it was the norm in the United States.Solicitor's OpinionTraditionally, purchasers sought a title opinion from a solicitor who undertoo...
02/27/2009
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Debt Service Ratios Reviewed By Brian Madigan LL.B.Before you can buy property, you will need to qualify for a mortgage. There are, of course, exceptions: you could win the money in a lottery, receive it from an inheritance or have it loaned to you by a friend (when I say friend, I really mean ...
02/25/2009
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Consumer Reporting Act (Ontario) By Brian Madigan LL.B.The Consumer Reporting Act is designed to afford a certain level of protection to consumers. So, the Act defines consumers and does not apply to businesses.There are requirements with respect to disclosure to consumers relating to credit in...
02/24/2009
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Statements that are False and Misleading By Brian Madigan LL.B.We are all aware that sales agents like to pump their products, merchandise and services. That has been going on for years and the public who be naïve to think that there is never any "puffery" involved. However, there are times whe...
02/23/2009
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Common Law Property Rights By Brian Madigan LL.B.Often, couples living common law will mistakenly believe that they have equal ownership of the family home. This is not the case. They will only have equal ownership if they are on title, have signed a cohabitation agreement that includes this pr...
02/21/2009
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Matrimonial Home Designations By Brian Madigan LL.B. Properties that qualify as matrimonial homes should ordinarily be presumed to be such unless there is good evidence to the contrary.Although it occurs infrequently, questions often arise about matrimonial home designations. However, it is imp...
02/14/2009
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Possessory Title Explained By Brian Madigan LL.B.A "possessory title" is a title to property which is not evidenced by the registered chain of title. So, you can't simply go to the registry office and look up the name of the owner.The Land Registrar maintains the abstract noting ownership wheth...
02/12/2009
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Escape Clauses and Conditions By Brian Madigan LL.B.There is always a great deal of confusion and discussion concerning conditions and escape clauses contained in agreements relating to real estate. But, it is really rather straightforward and the documentation depends upon how the escape claus...
02/09/2009
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Florida's own European Village By Brian Madigan LL.B.How would you like to be part of a new and exciting real estate opportunity in Florida?An experienced and well financed developer is recreating a quaint European Village in central Florida. Far enough north to be away from the hurricanes and ...
02/08/2009
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A Free Cottage! By Brian Madigan LL.B.This may not be as far-fetched as it seems! Well, of course there's a catch, but you don't have to buy a lottery ticket.All you have to do is pay your bills on-time.Let's consider the case of Bob, the general contractor. He pays his bills just shortly after...
02/05/2009
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