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.
All three involve registering a new mortgage on a property you already own. The legal work is similar — we handle the title, discharge, and 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.
Most commonTaking out a brand-new mortgage on a property you already own outright — to access equity, fund a renovation, or consolidate debt.
Equity accessYour term is up and you're switching lenders at renewal instead of staying put. Same mortgage, new lender, new registration required.
At renewalThe process is straightforward — most new loan files close in 2 to 4 weeks. Here's exactly what happens.
You get in touch — by phone, email, or through our quote form. We confirm your fees upfront, answer your questions, and send you a link to complete your intake. Your Track to Close portal goes live immediately.
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. Your portal updates as each step completes.
You meet with a lawyer — in person at our Edmonton office, or by secure video call from anywhere in Alberta. The lawyer walks you through every document. Video explainers are available in your portal for everything you sign.
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 — discharge completed, new mortgage registered, file closed.
Your legal fees cover the full scope of work needed to close your new loan. Here's what's in the box.
We search the land title to confirm ownership, verify existing encumbrances, and ensure the property is clear for your new mortgage registration.
We coordinate with your current lender to obtain and register the mortgage discharge — clearing the way for your new loan.
We prepare and review all documents from your new lender, ensuring everything is accurate, compliant, and ready for your signing appointment.
We register the new mortgage on title, ensuring your lender's security interest is properly recorded and your property records are up to date.
We handle all communication with your new lender — receiving instructions, fulfilling conditions, and ensuring funds are disbursed correctly.
Track to Close gives you a live dashboard — see every milestone with owner tags (Lawyer, Client, or Third Party), access documents, watch video explainers, and message your legal team directly.
New loan closings are simpler than purchase or sale files — but that doesn't mean you should be left in the dark. Our portal — designed by a lawyer who's closed 5,000+ transactions — shows you exactly where your file stands.
In Alberta, any time a new mortgage is registered on your property's title, a lawyer must handle the transaction. Here's when that applies.
Your current lender's mortgage needs to be discharged and the new lender's mortgage registered. A lawyer must handle both.
Taking a new or additional mortgage to access equity in your home requires title registration — which means a lawyer is involved.
If the names on the mortgage are changing — adding a spouse, removing an ex-partner — the lender requires new documentation and registration.
Private lenders and second mortgages still require proper legal documentation, title searches, and registration at Land Titles.
Note: If you're simply renewing with your same lender at the same terms, a lawyer is usually not required. But if anything changes — lender, amount, or borrower — we're here to help.
You'll know your legal fees before we start. Our new loan closing fees include disbursements — title search, registration, and all standard charges. No hidden invoices, no bill shock after the fact.
Every file is handled by a lawyer with 20 years of experience. Not a paralegal. Not a clerk. A lawyer.
Yes. In Alberta, any time a new mortgage is registered on your property's title, a lawyer is required. This includes switching lenders, taking a new mortgage on a property you own outright, or changing borrowers on the loan.
Most new loan files close in 2 to 4 weeks from when we receive your lender's instructions. The timeline depends on how quickly your new lender sends instructions and your current lender provides the discharge statement.
If you're renewing with the same lender at the same terms, a lawyer is usually not required — the lender handles the renewal directly. However, if the loan amount, borrowers, or lender changes, a lawyer is needed. Feel free to contact us if you're unsure.
Yes. We offer secure remote signings via video call for clients anywhere in Alberta. You'll meet with a lawyer on camera, review every document, and sign digitally. In-person signings are also available at our Edmonton office.
We coordinate the discharge of your existing mortgage with your current lender. Once the new mortgage funds are received, we pay out the old mortgage, obtain and register the discharge, and register the new mortgage — all handled for you.
Yes. Every client — whether buying, selling, or closing a new loan — gets full access to Track to Close from the moment they retain us. You'll see live milestones, owner tags, video explainers, and direct messaging with your legal team.
Whether you're switching lenders, accessing equity, or setting up a new mortgage — we'd love to hear from you.