Title Search

Understand what a title search involves in Canadian real estate, why it's required before closing, and how it protects buyers from legal complications.

Title Search

May 22, 2025


What is a Title Search?

A title search is the process of examining public records to verify the legal ownership of a property and identify any liens, claims, or encumbrances.

Why Do Title Searches Matter in Real Estate

In Canadian real estate, title searches are performed by lawyers or notaries as part of the closing process. They ensure the buyer receives clear title and that the seller has the legal right to transfer ownership.


A title search checks for:
  • Registered property owners
  • Outstanding mortgages or liens
  • Easements or rights-of-way
  • Court judgments or encumbrances


If any issues are found, they must be resolved before the property can be legally transferred. In many provinces, buyers also purchase title insurance as added protection.


A title search is critical for protecting the buyer from future legal disputes or financial loss related to hidden ownership issues.

Example of a Title Search

A title search reveals that a previous owner failed to discharge a mortgage. The seller resolves the issue before closing, ensuring the buyer receives clear title.

Key Takeaways

  • Verifies ownership and property status.
  • Identifies legal claims or debts.
  • Required before property transfer.
  • Conducted by lawyer or notary.
  • Ensures buyer receives clear title.

Related Terms

  • Title Insurance
  • Real Estate Lawyer
  • Lien
  • Encumbrance
  • Closing Process

Related Terms

Bridge Financing

Bridge financing is a short-term loan that helps homebuyers cover the financial gap between buying a new property and selling their existing one.. more

Bridge Loan

A bridge loan is a short-term financing option that allows homeowners to borrow against the equity in their current property to fund the purchase of. more

Firm Offer

A firm offer is a legally binding agreement to purchase a property that contains no conditions. Once accepted, it commits both the buyer and the. more

Foreclosure

Foreclosure is a legal process through which a lender takes ownership of a property when the borrower defaults on their mortgage payments.. more

Closing Costs

Closing costs are the various fees and expenses that buyers and sellers must pay to finalize a real estate transaction, separate from the property’s. more

Assignment Sale

An assignment sale occurs when the original buyer of a property (the assignor) sells their rights in the purchase agreement to a new buyer (the. more

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