Practical notes on the questions we field most often.
Fraudulent mortgage files are often the cleanest files in the office, because someone built them to be. We explain how counterfeit ID and false documentation target private lenders, and what lender's counsel does to catch them before the advance.
The property sold under power of sale, and the proceeds didn't cover the debt. Perry Benipal explains how Ontario lenders pursue the shortfall and what decides whether that claim is worth anything.
GTA prices have softened while inventory tightens, giving well-prepared buyers a rare window — and giving lenders good reason to sharpen their due diligence. Greg Wu looks at the July 2026 numbers and what they mean at the deal table.
Before a single dollar moves on a mortgage transaction, your lawyer works through a detailed diligence process. Here is what actually happens between commitment and funding.
Your comfortable mortgage file just became a problem file, and the question in every lender's head is the same: how fast can I get my money back? After years of enforcing mortgages for Ontario lenders, Perry Benipal explains why the speed of your recovery is usually decided in the first 60 days after default — and where files quietly go wrong.
A note from the founding partners on why we built the firm — and what clients can expect when they work with us.
Power of sale is the most common mortgage enforcement remedy in Ontario. Here's how the process works — and what lenders and buyers should watch for.
Title insurance is standard on most Ontario closings, but buyers often misunderstand what it protects. Here's what an owner policy actually does.
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