Seven Ontario matter types in one file that opens in your browser. The intake filters itself to the file actually in front of you. Flags fire as you type, and each one tells you what to watch for and why. Checklists run from opening to the last undertaking.
No login. No server. No subscription. Works offline.
None of these is exotic. Each is a point where an experienced conveyancer slows down and a practitioner without one to ask does not — because nothing on the file says to.
One is a tax. The other means the purchase is not permitted at all. A purchaser can owe the tax and be permitted to buy, or owe nothing and be prohibited.
Clearing one does not clear the other. The tool runs them as separate screens and will not let one stand in for the other.
Practitioners internalise consent as a sale issue. A charge is an encumbrance, and refinances move quickly — which is exactly when it is missed.
The tool asks the question on every refinance, second mortgage and private charge, not only on sales.
A payout figure is a snapshot. If the facility stays open, the borrower can draw on it after the statement and before the discharge registers — and the money you paid no longer clears the debt.
The undertaking you gave then cannot be met from the funds you hold.
It applies to land with one or two single-family residences. Run a $4.2M industrial purchase on a residential schedule and you are out by about five thousand dollars.
The tool uses a separate commercial schedule and says on screen that it has.
Every rate, bracket, threshold, section number and limitation period in this tool is marked UNVERIFIED. That is not an oversight and it is not a hedge — it is how the thing is built.
A tool that tells you the law is a tool that quietly goes out of date. Rates change, regulations are made and revoked, rules get renumbered — and nobody tells the file sitting on your desktop. The calculators here show their working on screen so you can check the arithmetic against rates you confirm yourself, not so you can trust the number.
Every practice note says what to look at and where to confirm it. None of them says what the law is. Each matter type also prints a one-page verification sheet — a tick-box list of exactly what you should confirm and where, for the file.
If you want software that answers legal questions, this is not it. This tells you which questions to ask, on this file, in what order, and by when.
Reproduced from the working tool.
These notes describe what practitioners commonly look at and why the point arises. They are not legal advice and not legal guidance. They do not tell you what the law is, what any rate or period is, or what to do on your file.
A purchaser who is not a citizen or permanent resident. Also a corporation with non-Canadian control, a trustee holding for a non-Canadian, or a spouse pair where only one is eligible.
This is a prohibition, not a tax. Where it applies the transaction is not simply more expensive — it is not permitted. A person exempt for one reason may not be exempt for another.
| Purchase price | $875,000.00 |
| Ontario land transfer tax | $13,975.00 |
| Less: first-time purchaser refund (max $4,000) | −$4,000.00 |
| NRST @ 25% — VERIFY RATE AND SCOPE | $218,750.00 |
| Total transfer taxes payable | $228,725.00 |
| Matter / client | Type | Status | Intake | Checklist | Flags |
|---|---|---|---|---|---|
| 2026-1041A. Kaur | PURCHASE | Working | 62% · 73/118 | 17% · 16/92 | 2 CRIT |
| 2026-1042R. Chen | SALE | Ready | 91% · 89/98 | 86% · 57/66 | 2 total |
| 2026-1043Northfield Holdings Inc. | COMMERCIAL | Working | 44% · 48/108 | 12% · 9/72 | 1 CRIT |
| 2026-1039D. Osei | REFINANCE | Closed | 100% · 96/96 | 100% · 53/53 | — |
Matter numbers and names are illustrative.
Condominium fields appear on a condo. Tarion fields on a new build. Well and septic on a rural file. Gift fields when there is a gift. You never scroll past questions that do not apply.
Over 150 rules across seven modules. Every critical flag opens a note: what to watch for, why it comes up, and what you should check.
40 to 99 tasks per matter type, in phases, with an assignee and a due date on every line. Non-applicable items drop out of the count.
One click loads a completed purchase — two purchasers, rural servicing, gift funds, a survey issue, a six-entry file log. Read it before you start your own.
One printable page per matter type: what you should confirm, grouped by when it matters, and where to confirm it. For the file.
One click to a .doc for the digital file, a clipboard copy that pastes into Google Docs, a clean print, and a blank form to fill in by hand.
Every saved matter with two progress bars, status, flag count and last saved. Search, filter, back up to a file, restore.
After six months the tool warns you that rates and requirements move, and prompts you to re-check everything against current sources.
Most firms do. The question is whether they are organised — whether you can see every open file at once, what stage each is at, what is outstanding, and what is about to fall due.
Precedents tell you what to write. They do not tell you that a requisition date is in six days on a file you have not opened this week. Nothing in this profession is worse than a matter slipping through the cracks, and that is not a drafting problem.
You don't, and you shouldn't assume it is. Nothing in it has been verified — that is stated on every calculation, in every practice note and in the terms.
It is a tool for organising a file and surfacing questions, not a source of law. Every note tells you where to go and confirm the point for yourself.
The calculators exist to help you think and scope, not to produce a number you file. They show their working so you can substitute rates you have confirmed.
They are also useful before the work starts — for estimating what a file will actually involve, so you can quote properly at the outset or tell a client early that the scope has grown. After six months the tool prompts you to re-check everything.
Yes, within the firm, on your files, under your supervision. The licence covers internal use by staff working under the purchaser's supervision.
It does not qualify anyone to provide legal services. A clerk — including a freelance clerk — may use it only on files where a licensee supervises the work and takes responsibility for the file.
A lawyer in practice in Ontario, for their own files, because the thing did not exist.
It is sold personally and is not offered by, on behalf of, or in association with any law firm. Buying or using it creates no professional relationship of any kind.
The trial is the whole tool — every matter type, every checklist, every flag and note, the dashboard, the worked example and the verification sheets.
Run it as a downloaded local file. Opening it from a hosted page stops the Word download working — that is a browser restriction, not a limitation of the tool.
One payment. No subscription. Use it on your own machine for as long as you practise.
|
Launch — first 100 purchasers, or three months, whichever ends first $671$471 CAD, plus HST · code applied at checkout |
Buy at the launch price |
| Standard $671 CAD, plus HST |
Buy |
Prices are in Canadian dollars and are exclusive of HST. Tax is calculated and added at checkout based
on your location. Payment and delivery are handled by Gumroad; your licence key is issued with your receipt.
The launch price is capped at 100 redemptions and ends after three months. When either limit is
reached the standard price applies.
The 14-day trial is there so you can decide before you pay. Try it properly first.
NOT LEGAL ADVICE. ONTARIO ONLY. NOTHING IN IT HAS BEEN VERIFIED.
This is an internal working aid for licensees and those supervised by them. The intakes, checklists, flags, notes and calculations are prompts to think, not conclusions. They are not legal advice, not legal guidance, and not a legal opinion, and they must not be given to a client as advice or relied on in place of a licensee's own analysis.
No professional relationship of any kind is created by this website, by purchase, by download or by use. The author is not your lawyer, is not retained by you, owes you no professional or fiduciary duty, and gives you no advice. This is the sale of a product by an individual — it is not offered by, on behalf of, or in association with any law firm, and no law firm is a party to it.
Law clerks, paralegals, students and administrative staff. This tool does not qualify anyone to provide legal services. In Ontario, legal services may only be provided by a licensee, or by a person acting under the direct supervision of a licensee within the scope that licence permits. If you are a law clerk — including a freelance or contract clerk — you may use this tool only on files where a licensee supervises your work and takes responsibility for the file. Completing an intake or ticking a checklist is not the practice of law and confers no authority to conduct a transaction, give advice, or accept instructions on your own account. Nothing here is intended to enable, encourage or assist anyone to provide legal services without a licence or outside the scope of one.
Every calculation is an estimate, produced for understanding only. Land transfer tax, NRST, refunds, loan-to-value, cost of borrowing, occupancy fees, builder adjustments, net proceeds, HST, closing costs and day counts are illustrative working. They are not advice, not a quotation, and not a Statement of Adjustments. Every rate, bracket, threshold, section number, limitation period and procedural step is UNVERIFIED and must be independently confirmed against the current source on the date of use. An empty flag list is not a clearance and a completed progress bar is not a completed file.
Provided "as is" and "as available", with no warranty of any kind, express or implied, including as to accuracy, currency, completeness, merchantability or fitness for any purpose. To the fullest extent permitted by law, the author, creator, supplier and distributor accept no liability whatsoever — in contract, tort, negligence, statute or otherwise — for any loss or damage of any kind arising from use or inability to use it, including missed deadlines, incorrect calculations, omitted steps, data loss, and any direct, indirect, incidental, consequential or economic loss. Use is entirely at your own risk.
What these terms cannot do. They protect the author from users. They do not, and cannot, reduce what a licensee owes their own client. Professional, fiduciary and regulatory obligations — competence, supervision, conflicts, client identification and verification, trust accounting, undertakings — are unaffected. A file is not defensible because a checklist was ticked. The responsible lawyer remains responsible.
Data loss. All data lives in your browser on your computer. There is no server-side copy and no recovery service. Deleted or cleared data cannot be restored by the author or by the tool. Use the built-in backup regularly and keep the backup file on your firm's file system.
This file and its contents — the intakes, checklists, flag rules, practice notes, verification sheets, calculators, wording and structure — are the copyright work of the author, protected under the Copyright Act (Canada). Purchase does not transfer ownership. It grants a single-user, non-exclusive, non-transferable licence to use the file in the purchaser's own practice. Internal use by staff working under the purchaser's supervision, on the purchaser's own files, is permitted. Another firm requires its own licence.
You may not copy, share, publish, upload, resell, sublicense or distribute the file or any part of it; share or resell an activation code; reproduce or re-use a document exported from an unlicensed trial in place of licensing the tool; incorporate it or any substantial part of it into another product, service, precedent set, course, template library or software offering, whether sold or given away; hold it out as your own work; remove or alter any notice or these terms; remove, disable or circumvent the activation, or distribute any means of doing so; or create a derivative or white-labelled version for distribution.
The licence terminates automatically on breach, without notice and without refund. Breach may also be an infringement of copyright. The author reserves every remedy at law and in equity, including injunctive relief, damages, statutory damages and an accounting of profits under the Copyright Act (Canada), together with costs. Where the conduct involves a licensee, the author reserves the right to report it to the Law Society of Ontario.
These terms are governed by the laws of Ontario and the laws of Canada applicable in Ontario. The parties attorn to the jurisdiction of the courts of Ontario, without prejudice to any proceeding in the Federal Court in respect of copyright.