Lender switch
Moving your existing mortgage to a new lender for a better rate or better terms. We discharge the old mortgage and register the new one.
New loans
Whether you're renewing your mortgage with a new lender, switching for a better rate, or taking out a new loan on a property you already own — a lawyer needs to handle the paperwork. We make it fast, clear, and painless.
Which one are you?
All three involve registering a new mortgage on a property you already own. The legal work is similar — title, discharge, new registration.
Moving your existing mortgage to a new lender for a better rate or better terms. We discharge the old mortgage and register the new one.
Taking out a brand-new mortgage on a property you already own outright — to access equity, fund a renovation, or consolidate debt.
Your term is up and you're switching lenders at renewal instead of staying put. Same mortgage, new lender, new registration required.
Process
Most new loan files close in 2-4 weeks. Here's exactly what happens.
Step 1 — Open
Get in touch by phone, email, or quote form. We confirm fees upfront and send your intake link. Your portal goes live immediately.
Step 2 — Prepare
We receive instructions from your new lender, run a title search, prepare discharge documents for your existing mortgage (if applicable), and prepare the new mortgage documents.
Step 3 — Sign
You meet with a lawyer — in person at our Edmonton office or by secure video call. The lawyer walks you through every document. Video explainers available in your portal.
Step 4 — Close
We discharge the old mortgage, register the new one with Alberta Land Titles, and disburse funds as directed. Your portal confirms every step in real time.
What's included
We search the land title to confirm ownership and verify existing encumbrances.
We coordinate with your current lender to obtain and register the discharge.
All documents from your new lender prepared, reviewed, and ready for your signing.
We register the new mortgage on title, ensuring your lender's interest is properly recorded.
All communication with your new lender — receiving instructions, fulfilling conditions, ensuring funds are disbursed correctly.
Track to Close — milestones with owner tags, documents, video explainers, and direct messaging.
When is it required?
Any time a new mortgage is registered on your property's title in Alberta, a lawyer must handle the transaction.
Your current lender's mortgage needs to be discharged and the new lender's mortgage registered.
Taking a new or additional mortgage to access equity in your home requires title registration.
Any change to who is on the mortgage requires legal registration.