Archive for the 'Instrument Image' 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.


November 12, 2018

A Parcel Register* is an important part of any real estate sales professional’s arsenal.

With one search, you can find an incredible amount of information about a property.

Many real estate agents and other professionals use Parcel Registers* to find the:

  • Legal property address. This is important for contracts.
  • Property identification number.
  • Legal homeowners. Sometimes other people are on title that aren’t disclosed to you.
  • Types and percentages of homeownership. A joint tenancy is the most common, but there can be other strange ones that can come up, such as “life interest.”
  • Registration and transfer history. This can identify real estate fraud and other issues.
  • The dates, parties to and amounts of transfers and mortgage registrations. This can identify undischarged mortgages that can delay closings, higher mortgages than disclosed, and the like.
  • Liens and charges on title.
  • Other registrations that you may want to look into, like strange restrictive covenants and easements. If there is an instrument registered against the property, you can also take your investigation a step further and get an Instrument Image*.

Some real estate sales professionals use Parcel Registers* only when something feels “off” about a deal. This is by no means a bad strategy — you need to trust your instincts, especially if you’ve been in business for a while. Even if nothing turns out to be untoward, it’s still vital that you do your due diligence.

Other real estate sales professionals use Parcel Registers* for every deal, whether something feels off or not. This can also be a good strategy. After all, you know the costs of a bad deal going through or of having trailing liabilities. A Parcel Register* gives you an easy way to vet your clients and property information.

At GeoWarehouse, our Parcel Registers* come from property data taken directly from, the Province of Ontario Land Registration Information System (POLARIS). You can trust this data is the most accurate information available.

Want to dig deeper? Parcel Registers*, as well as Instrument Images* and many other documents, are available online through the GeoWarehouse eStore.

Visit today.

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


Can You Guess the Words?

Author: GeoWarehouse
July 28, 2014

This is a tough one, but we had so many people with correct answers on the last one that we had to make this one harder. YOU ASKED AND WE LISTENED: Those with correct answers will be entered in a draw to win a $25 Starbucks gift card on October 15, 2014.

Because this one is hard we gave you the second word.

*Hint – this is available in the GeoWarehouse Store

4 Pics

May 12, 2014

Instrument ImageMany real estate sales professionals are aware of common searches they can perform, such as searches for sales history information, property ownership information, information about a property’s financial standing, neighbourhood sales and demographics information and more. Some real estate sales professionals even go as far as to look as a property’s Parcel Register as an extra step to ensure due diligence.

So what is an instrument image* and why is it something relevant to you?

An instrument image* is an image of documents registered with the Land Registration System of Ontario. When looking at a Parcel Register, if there is a transfer, mortgage or lien and you want more information including the name and contact information of the other party, court file number, registered balance, etc., you are one step closer when you have the instrument image*. Instrument images* are the documents that support mortgages, transfers, liens, condominium declarations and more.

Using this information you will close more deals because you will be able to quickly identify deals that will present an issue.

For more information about how you can obtain instrument images* please visit If you are a current GeoWarehouse customer wondering how you can obtain an instrument image* – watch the training video below – instructions regarding how to obtain an instrument image* are addressed about halfway through the video:

*** Instrument images* are supplied by the registrant and we cannot guarantee the information contained in them or how complete the information is.

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


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