What do I need to bring when I meet my real estate lawyer before closing?

Before your closing appointment, your lawyer will tell you exactly what to bring, but there are standard items to expect. You will need government-issued photo identification — typically two pieces, with at least one being a photo ID such as a driver's licence or passport. If you are buying with a co-purchaser, they must also be present (or have provided signed documents if they cannot attend) and bring their own ID.

You will need certified funds for the balance of the purchase price — the difference between the purchase price (less your deposit and mortgage advance) plus closing-cost adjustments. Your lawyer will send you a statement well before closing showing the exact amount; do not arrive with a personal cheque, as most lawyers require a certified cheque or bank draft payable to their firm in trust.

Bring a void cheque or direct-deposit form for the account your lender will draw mortgage payments from. If you are a first-time buyer qualifying for the LTT rebate, your lawyer will have you sign the rebate form at this meeting.