Before you sign anything, our team thoroughly reviews your mortgage agreement and contract to ensure every term reflects what was agreed upon with your lender. We explain your repayment structure, interest rate, conditions, and potential penalties in clear, accessible language so you can make informed decisions without confusion.

Once you approve the terms, we prepare the legal documents and register the mortgage against your property title with the Alberta Land Titles Office. This step ensures your commercial or residential mortgages are officially recorded and fully compliant with provincial regulations.

As your legal representative, we serve as the key point of contact between you, your lender, and any other parties involved. Our lawyers handle the secure transfer of mortgage funds, ensure all financing conditions are met, and manage disbursements on closing day. Whether you’re purchasing property, refinancing, or accessing home equity, this coordination helps prevent delays and ensures funds are released on time and to the right accounts.

Refinancing your mortgage can be a strategic financial move. Our lawyers manage the legal process from start to finish, keeping things on track and minimizing disruption. We communicate with all involved parties, including your mortgage broker, lender, and if necessary, your family lawyer (especially in the case of refinancing due to separation). Our team ensures the timely receipt of new mortgage funds, pays out your existing debts, and removes prior charges from your property title. We also help direct payments to any credit lines or credit cards being cleared as part of the refinance.

1. Once you’ve found a mortgage lender, whether by yourself or through a mortgage broker, we will step in to start preparing the paperwork.
2. We will contact you to obtain the initial required information and documents to draft up the paperwork. At this time, we will also communicate with your existing mortgage lender and other creditors to facilitate payments of existing debts.
3. You will meet with our lawyer, who will take you through all the paperwork, explain the numbers, and answer all your questions.
4. We will then request the mortgage funds from your new lender and submit your new mortgage to the Land Titles for registration.
5. At the same time, we will coordinate with all other parties involved, such as your existing mortgage lender and other creditors, to distribute the mortgage proceeds appropriately and without delays. Your mortgage refinance lawyer will also remove all paid-out mortgages from the title.
6. Finally, upon paying your current debts, we will return the balance of the new mortgage advance to you. After this step, you will be set for a fresh financial beginning.

At DLegal, we believe in fairness and transparency from the start. That’s why we offer flat rate legal fees for standard mortgage transactions, making us one of the few firms in Calgary to do so. Our rates are published clearly on our website, so you’ll always know what to expect, with no hidden fees or last-minute surprises. Simply reach out to get started.