What does a title search reveal when buying property in Ontario?
A title search is a review of the provincial land-registry records to confirm the chain of ownership and identify any claims or interests registered against the property. Your lawyer conducts the search as part of the closing process.
The search looks for registered mortgages or charges, liens filed by contractors under the Construction Act (for unpaid work), writs of execution (court-ordered claims against the owner), easements or rights-of-way that affect how the land can be used, and restrictive covenants that limit what you can build or do on the property. It also confirms that the person selling you the home actually has legal authority to do so.
If the search reveals a problem — such as an outstanding lien or an unregistered mortgage — your lawyer will require the seller to discharge or resolve it before closing. This is a critical step in protecting your investment, and one reason why skipping proper legal representation creates serious risk for buyers.
Key takeaways
- A title search checks ownership history, debts, and registered claims.
- Liens, mortgages, easements, and court writs all show on a title search.
- Your lawyer must ensure the title is clean before funds are released.
- Outstanding issues must be resolved by the seller before you take title.