Commercial Bond Yields CMB5 Year – 3.15%*Est CANHOU 06/15/31[-0.03%] 10 Year – 3.63%*Est CANHOU 03/15/36[-0.02%] Floating Rate insured cost of funds 2.64%[-] Prime Rate4.45%[-] GoC2 Year – 2.56% CAN 02/01/28[-0.02%] 3 Year – 2.65% CAN 09/01/28[-0.02%] 5 …
Power of Appointment in Estate Planning
A power of appointment is a highly effective and flexible estate-planning tool that allows a person you trust to decide how certain property will ultimately be distributed often long after …
Tenancies: Who Pays for the Hot Water Tank Rental?
LTB Cases (residential) Disputes over hot water tank rental charges are surprisingly common in Ontario residential tenancies. Landlords often assume the charge falls under “utilities,” while Tenants argue that hot …
When Specific Performance Fails
Rabinowitz v. 2528061 Ontario Inc., 2026 ONCA 21 The Ontario Court of Appeal’s decision in Rabinowitz v. 2528061 Ontario Inc. is a cautionary tale for commercial real estate investors who …
Bank Fails to Transmit Senior’s Funds for Deposit
Question: A big bank just held up a deposit on a purchase because they suspected fraud! My client, a Buyer, a senior went to the bank in person to wire …
Additional Named Insured: Sample Lease Clauses
You will see below are sample “additional named insured” clauses, drafted separately for commercial and residential tenancies. The wording reflects how Courts and insurers actually interpret “additional insured coverage” and …
Waivers of Subrogation: Sample Lease Clauses
Waivers of subrogation are one of the most effective and least controversial—risk-allocation tools available to Landlords and Tenants. Unlike “additional insured” provisions, waivers work by keeping insured losses with the …
Waivers of Subrogation in Ontario Leases
When disputes arise between Landlords and Tenants after a loss, the fight is rarely between the people who signed the lease. It’s between insurers, armed with subrogation rights. Unlike additional …
“Additional Named Insureds” in Ontario Leases
Landlords often ask a deceptively simple question: “Why don’t I just require the tenant to name me as an additional insured on their policy?” In commercial leasing, that question usually …
Jurisdiction Matters (Unrepresented Litigant)
Louie v. Han, 2026 ONCA 25 The Ontario Court of Appeal’s decision in Louie v. Han is less about property law and more about procedural discipline. It is a cautionary …