Title Transfer

Understand how title transfer works in Canadian real estate, what it involves, and why it's essential for legal property ownership.

Title Transfer

May 22, 2025


What is a Title Transfer?

Title transfer is the legal process of changing property ownership from one party to another during a real estate transaction.

Why Title Transfers Matter in Real Estate

In Canadian real estate, title transfer is one of the final steps in a home purchase. It is completed by a lawyer or notary who registers the new owner’s name with the provincial land registry.

The process involves:
  • Title search to confirm ownership and liens
  • Payment of land transfer tax
  • Preparation and signing of legal documents
  • Submission to the land titles office

Once complete, the buyer becomes the legal owner of the property. Title insurance is often obtained during this process to protect against title defects.

Understanding title transfer helps ensure legal ownership is properly registered, taxes are paid, and future disputes are avoided.

Example of a Title Transfer in Action

On closing day, a lawyer completes the title transfer and registers the buyer’s name with the Ontario Land Registry Office.

Key Takeaways

  • Legally finalizes ownership change.
  • Requires legal assistance and registration.
  • Involves title search and tax payment.
  • Confirms new owner’s legal rights.
  • Part of closing day process.

Related Terms

Additional Terms

Encumbrance

An encumbrance is a legal claim, liability, or restriction on a property’s title that may affect its use, transfer, or value.. more

Eminent Domain

Eminent domain is the government’s legal right to expropriate private property for public use, with fair compensation to the owner.. more

Development Charges (DCs)

Development charges (DCs) are fees imposed by municipalities on new developments to help fund infrastructure and services required due to growth.. more

Deed Restriction

A deed restriction is a condition written into a property’s deed that limits or prescribes how the property can be used, binding future owners until. more

Convertible Mortgage

A convertible mortgage is a loan that starts with a short-term, often variable rate, giving the borrower the option to convert to a longer-term fixed. more

Contingency Clause

A contingency clause in real estate is a contract provision that makes the deal dependent on certain conditions being met, such as financing approval. more

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