Archive for the 'Condo Liens' Category

A lien check is a crucial tool for anyone working with real estate.

If there is a lien on your client’s property, it could mean delays and less profit — in which case you would want to be aware of this before trying to buy or sell a home.

And if the lien is too big, or the client has too little home equity to cover it, it could put the whole sale in jeopardy.

Knowledge is key when it comes to liens – the more you know and the sooner you know it, the more options you have available for you and your client.

If you are selling the home, you might be able to negotiate with the party who issued the lien. Some collectors will remove liens if you agree to pay a portion of the amount owed or set up a payment plan to pay it off gradually. You might also have a debt consultant partner who could help your client.

If your client is buying, they need to know what they are getting into if there is a lien on the property.

The first step is being aware. GeoWarehouse has two tools that make it easy to make a lien check quickly.

Step 1: Get a Parcel Register* to check for liens.

A Parcel Register* is a record containing a property description and list of instruments registered against the property within the Land Registration System of Ontario as of the date of the property search.

This report allows you to identify registered encumbrances and acquire an instrument number.


Step 2: Acquire an Instrument Image* to learn more about the lien.

If a lien is found in the Parcel Register*, you’re given an instrument number, which you can use to look up the Instrument Image*.

This is an image of a registered document within the Land Registration System of Ontario. Instruments may include liens, mortgages, transfers, and condominium declarations, among others.

You can use this report to find out more details about the lien registrant, including the lawyer who registered the lien. This can give you the knowledge necessary to start negotiating with the lien registrant.


A lien check is good due diligence. And, thanks to tools like GeoWarehouse, it’s easy and fast to acquire.

GeoWarehouse subscribers can access Parcel Registers* and Instrument Images* through the GeoWarehouse e-Store.

Not a subscriber? Become one today. Call 1-866-237-5937 or visit

* An official product of the Ontario government pursuant to provincial land registration statutes.


April 11, 2016

geo2Condo liens are quite common and something a real estate sales professional should endeavour to uncover as soon in a relationship as possible. You’d be surprised how many homeowners are themselves surprised when one surfaces – but then how many consumers routinely search the titles of their homes? You see, often we expect that the client knows all of their information when sometimes they don’t. Another common example of this is customers incorrectly estimating mortgage balances. Being in arrears on condo fees is another example – or more often than not, that many not be the first thing he or she wants to tell you.

Whether there is a lien or not, you know that if your client is in arrears on their condo fees, they will have to be brought up to date before a real estate deal can close. While many liens can only be uncovered through a Parcel Register*, there is more than one way to learn a client’s status on their condo.

A Parcel Register* is an integral search that a real estate sales professional should make on all deals because other liens or financial encumbrances could come up. Condo status certificates provide the financial status of the individual condo and the condo corporation. Condo status certificates are available online and well worth the investment.

That said, in the case of a condo, you really should obtain both.

This shows your client that you are offering the highest level of service which protects them in the end. You are also protecting yourself by revealing problem deals earlier in the process. The condo status certificate will reveal any arrears in condo fees – whether they have registered a lien or not.

So here is the 1-2-3 on how you can uncover a condo lien:

  1. When in GeoWarehouse performing a search, go to the store and request a Parcel Register* to review any currently registered liens or financial encumbrances. Note: even if a lien doesn’t show up that doesn’t mean the condo fees are current.
  2. Next, go back to your property search and if you see the little icon for Condo Certificate illuminated – that means obtaining the status certificate online is possible.
  3. Next, click the icon. You will be returned to the GeoWarehouse Store where you can purchase a condo status certificate.

So as you can see uncovering a condo lien is as easy as 1-2-3. Protect yourself and your clients.

Visit today.

*An official product of the Ontario government pursuant to provincial land registration statutes.



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