Mortgage Lending

(Private & Institutional)

Mortgage Lending (Private & Institutional)

At Rubinoff Law, we specialize in providing comprehensive legal services for mortgage lending, catering to both private lenders and institutional lenders. Our firm, based in Toronto, serves clients across the Greater Toronto Area (GTA) and throughout Ontario. With extensive experience in real estate law, our dedicated team of legal professionals is committed to ensuring that mortgage transactions are executed smoothly, efficiently, and in full compliance with all relevant regulations. Whether you are a private individual looking to invest through mortgage lending or a large financial institution, Rubinoff Law is here to provide expert legal support tailored to your specific needs.

Expertise and Experience

Rubinoff Law brings a wealth of experience in handling a wide range of mortgage lending transactions. Our team has a deep understanding of the legal and regulatory landscape governing both private and institutional mortgage lending in Ontario. We have successfully represented numerous clients in securing, structuring, and closing mortgage transactions, ensuring that their interests are protected and their investments are secure.

Private Mortgage Lending

For private lenders, mortgage lending offers an attractive investment opportunity with the potential for significant returns. However, it also involves certain risks and complexities that require careful navigation. At Rubinoff Law, we provide private lenders with comprehensive legal services to facilitate safe and profitable mortgage lending.

Key Services for Institutional Lenders

Drafting and Reviewing Mortgage Agreements

 We draft and review mortgage agreements to ensure that they are clear, enforceable, and tailored to the specific terms agreed upon by the parties.

Due Diligence

We conduct thorough due diligence on the borrower and the property, including title searches, property valuations, and assessments of the borrower’s creditworthiness.

Risk Mitigation

We identify potential risks and advise on strategies to mitigate them, including obtaining appropriate security and ensuring compliance with relevant laws and regulations.

Enforcement and Foreclosure

 In the event of default, we provide legal support for enforcing the mortgage, including initiating foreclosure proceedings if necessary.

Institutional Mortgage Lending

Institutional lenders, such as banks, credit unions, and mortgage companies, require legal services that address the complexities and regulatory requirements of large-scale mortgage lending. Rubinoff Law offers specialized legal support to institutional lenders, ensuring that their mortgage lending activities are compliant, efficient, and secure.

Key Services for Institutional Lenders

Regulatory Compliance

We ensure that all mortgage lending activities comply with federal and provincial regulations, including the Mortgage Brokerages, Lenders and Administrators Act (MBLAA) and other relevant legislation.

Document Preparation and Review

We prepare and review all necessary documentation, including loan agreements, security documents, and disclosure statements, to ensure that they meet legal standards and protect the lender’s interests.

Structuring Transactions

We advise on the optimal structuring of mortgage transactions to achieve the lender’s objectives, considering factors such as tax implications, risk management, and market conditions.

Litigation and Dispute Resolution

 In the event of disputes, we provide robust legal representation and work to resolve issues through negotiation, mediation, or litigation.

Personalized Legal Solutions

At Rubinoff Law, we understand that each mortgage lending transaction is unique. Our approach is to provide personalized legal solutions that are tailored to the specific needs and goals of our clients. We take the time to understand your objectives, assess the details of the transaction, and provide strategic advice that aligns with your interests.

Commitment to Excellence

Our commitment to excellence is reflected in our proactive approach, attention to detail, and dedication to client service. We pride ourselves on our ability to anticipate potential issues, provide clear and practical advice, and deliver high-quality legal services that make a difference.

Why Choose Rubinoff Law?

Choosing Rubinoff Law means partnering with a firm that prioritizes your success and satisfaction. Our reputation for excellence in real estate law is built on our dedication to client service, our deep legal knowledge, and our proactive approach to problem-solving. We are proud to serve clients in Toronto, the GTA, and across Ontario, delivering high-quality legal services that make a difference.
At Rubinoff Law, we are more than just legal advisors; we are your trusted partners in navigating the complexities of commercial real estate transactions. Let us help you achieve your goals with confidence and peace of mind.
For more information about our commercial purchase and sale services, or to schedule a consultation, please contact Rubinoff Law today.