Marty's Musings | Law Firm of Martin K.I. Rumack

Mortgage Qualification Changes… Are Here!!!

February 21, 2017
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As you are probably aware, the Federal Government has recently announced a significant change concerning guidelines for borrowers of high-ratio mortgages; i.e., a borrower having a deposit of less than 20% of the purchase price of a home.

 

As […]

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On Nudists, Convicts and Ghosts – How Much Must a Seller Disclose to a Buyer?

February 21, 2017
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On Nudists, Convicts and Ghosts – How Much Must a Seller Disclose to a Buyer?

I am often asked by sellers to advise as to how much (or how little) information they must provide to potential buyers.   It’s never an easy answer:  Although the time-honoured […]

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Good News for Owners of Co-ownership Units – Property Tax Classification Re Classified

November 1, 2016
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To the relief of Co-ownership Buildings created after 1998 but before 2008, and the individual unit owners, the submission to the Ontario Ministry of Finance has been successful.  A group of property tax experts consisting of David Fleet, Peter Milligan, and David Gibson were retained by […]

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How to Help Your Clients with Their Mortgage-Shopping

October 6, 2016
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By definition, real estate professionals are on the front-line of the home-buying process with their clients:  They are called upon to explain the process, to find them the right home, and then – alongside the involved lawyers – to help shepherd them through the actual legal home-buying […]

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