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Our office is very fortunate not to have been affected by the flooding in Calgary, therefore, our office will be open during our normal business hours (Mon – Fri from 8:00am to 5:00pm).  There are no issues with accessibility to our office. KH/Dunkley Law Group […]

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Closings for real estate transactions following floods

As Alberta’s online Land Titles system (SPIN II) is running, closings can be completed as scheduled for both residential and commercial real estate transactions.  In certain instances, title insurance may be needed to faciliate a timely closing. This, of course, does not apply to properties which are not accessible or which have been damaged or […]

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Do I need my own insurance policy if I own a condominium unit?

In Alberta, every condominium corporation is required to take out and maintain insurance on the common property and the individual units against perils such as fire, hail and flood. This insurance typically covers the common property and the structural elements of the units.  The unit owners share in the premiums for the condominium corporation’s insurance […]

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No More Pennies!

Effective today, the federal government’s plan to phase out the penny takes effect.  While debit and credit card transactions will continue to be calculated to the exact amount, cash transactions will be rounded to the nearest nickel. The Royal Canadian Mint has published the following Rounding Guidline to assist in getting used to the new […]

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What is the effect of a CMHC or GE insured (“High-Ratio”) Mortgage?

In Canada, a home buyer or home owner obtaining a mortgage loan where the principal amount of the mortgage is greater than 80% of the value of the property will be required to obtain default insurance for the lender. This default insurance is typically provided by the Canada Mortgage and Housing Corporation (“CMHC”) or Genworth […]

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