Common Law Marriages and the Ontario Family Law Act

I get asked daily about Common Law Marriages and the effect it has on home ownership. This article by Brian should help clear some of the cobwebs, I hope!

Via Brian Madigan LL.B. (Royal LePage Innovators Realty):

Common Law Marriages and the Ontario Family Law Act

 


By Brian Madigan LL.B.

True common law marriages are just like every other marriage. However, they are very rare.

Oddly, the expression "to live common law" refers to a marriage of presumption in England. If two people (definitely opposite sex at the time) lived together continuously for a period of 7 years, it was then assumed that they had gone through a legal marriage (and had lost the documents), unless it could be proven that this was not the case. So, a common law spouse was a legal spouse for all purposes; the only difficulty was proving it.

Actual proper proof would be a Court Order, but that could be an expensive remedy. That's going to cost $10,000, so, if they are alive they go to City Hall, and if one, or both are dead then they (the estate) are stuck with the Court Order.

You will appreciate that under the circumstances, there would be a "need" to prove that perhaps grandma and grandpa were married. And, a common law marriage will suffice for the purposes of succession in an estate.

The presumption is that they were truly married, and they just lost their marriage certificate. However, it's a rebuttable presumption. So, if someone else knows the truth, for example another close elderly relative then that person's evidence may rebut the Court's assumption that they must have been married. So too, would be actual evidence from one of the living parties to the marriage. If grandma wants to inherit grandpa's estate because, as she says, they were "married", then she will have to testify to that fact in Court. The Court would be free to draw an adverse assumption from her failure to testify.

You will notice that the rules become somewhat complex, and it's more preferable to have certainty.

Let's move on to the usual category.

The term "common law" usually does not mean a "common law marriage" in the vernacular. It simply refers to a loose arrangement of parties living together.

These parties may be protected under the support provisions of the Family Law Act, but they do not share in property.

Only true spouses have the possessory rights with respect to matrimonial homes and certain other rights that may involve the entitlement to a division of the property upon the breakdown of the marriage.

However, the rights of people simply living together are not to be discounted in their entirety. They may have certain rights that accrue in their favour otherwise at common law. So, to immediately draw the conclusion that they get nothing upon dissolution of the marriage or upon the death of the other party would be incorrect. They simply don't get anything under the Family Law Act. But, not everyone does! Business partners have certain rights, and they are not spelled out in the Family Law Act. They might be entitled to damages by contract, tort, unjust enrichment, or trust law. Obviously, if they have a case, it's going to be more difficult to prove, but it's not impossible.

Quickly to summarize:

· A true common law marriage is a true marriage for all purposes


· Parties living together, have certain support rights under the Family Law Act


· Married spouses (those who have a certificate or Court Order) have possessory rights under the FLA with respect to the matrimonial home


· Other spouses do not


Brian Madigan LL.B., Realtor is an author and commentator on real estate matters, Royal LePage Innovators Realty
905-796-8888
www.OntarioRealEstateSource.com

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

0 commentsTy Lacroix • October 30 2009 11:57AM

OPEN HOUSE IN LONDON ONTARIO OF A BANK SALE IN HAZELDEN NORTH

OPEN HOUSE IN LONDON ONTARIO OF A BANK SALE IN HAZELDEN NORTH

                          2 Story, 4 bedrooms, 3 baths, finished basement, pool, double car garage all for $412,900!

Open Saturday October 31 from 2-4PM and Sunday November 1 from 2-4 PM

WHERE? 416 Stonehaven Place which is located off of Riverside Drive and Hartson Road in London Ontario.

For more pictures and info, go to www.enveloperealestate.com

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

0 commentsTy Lacroix • October 30 2009 10:21AM

Use of Surveys for Subdivisions in Ontario

This is a follow up on Surveys in Ontario, especially for subdivisions and written by Brian Madigan

Via Brian Madigan LL.B. (Royal LePage Innovators Realty):

The Use of Surveys for Subdivisions in Ontario

 


By Brian Madigan LL.B.

Ontario Land Surveyors are called upon to prepare three kinds of surveys for the division of property by subdivision:


1) M-Plan,

2) Registered Plan,

3) Condominium Plan

Upon registration in the Land Registry Office, these surveys divide property into lots or units and set out boundaries for the first
time, after appropriate approvals have been obtained.

Another type of survey, namely the Reference Plan or R-Plan is used to assist in the severance of property, but it is the registration of the transfer, deed or conveyance that actually results in the division of property, not the survey.

In the case of plans of subdivision (M-Plans and Registered Plans), and condominium plans, it is the registration of the plan that subdivides the parcel of property and creates the new lots or the new units.

In Ontario, there are two systems of land registration both in use concurrently throughout the Province, the Land Titles system and the Registry system. An M-Plan is a plan of subdivision in the Land Titles system and a Registered Plan is a plan of subdivision in the Registry system.

It is now a requirement that in most areas, a property must be transferred from the registry system to land titles before a plan of subdivision can be registered.

A condominium plan is composed of a Declaration and Description. The Declaration is the most important component of the Constitution of the Condominium which is the Declaration itself together with the By-Laws. The Description is essentially the plan of survey, together with some additional architectural drawings and structural plans.



Remember the example under discussion:

· A farm comprised of 100 acres


· a large 150 year old farmhouse and small barns and outbuildings


· next stage will be to carve up the property into two pieces


· one acre is to remain with the farmhouse and to continue as a residential property


· remaining 99 acres are to be developed



The surveyor then creates legal descriptions that could be used for future conveyances of the two parcels as follows:

1) Part 1, Reference Plan 241 (being one acre with a farmhouse),
2) Part 2, Reference Plan 241 (being ninety-nine acres).


When it comes to dividing up the 99 acres, a plan of subdivision or M-Plan will be used. It will be based upon Part 2, RP-241.

Let's assume that the 99 acres is to be divided into:

· Roads and streets

· Municipal property, for drainage and sewers

· School property

· Retail areas

· 200 lots for residential development


All of these items will be included in the new plan of subdivision, which would be registered as ie. M-796.


In fact, part of the 99 acres could be a condominium development. Perhaps some 5 acres might be sectioned off for such a development. Typically, such a parcel would be shown as Block "A". That designation is for property which is later to be the subject of development. Two apartment towers of 30 storeys each might contain 5 apartments per floor or 150 units in the building. These two towers might accommodate the same number of people as the remaining 200 lots for residential housing.

The condominium registration of the constitution and the survey divides the property into legal units. The condominium is usually described by the municipality and the registration number in series, ie. Peel Condominium Corporation No. 812. The legal description now that registration has taken place can be sufficiently located by reference to PCC 812. However, the former legal description used immediately prior to registration would have been Block "A", Plan M-796.

You will appreciate that the condominium cannot be registered until an Ontario Land Surveyor certifies that those two 30 storey towers are really there. There's no such thing as "real estate" in the air. The buildings must be present, and confirmed by an OLS before the registration and creation of the units.

These activities help to underscore the importance of the survey profession.


Brian Madigan LL.B., Realtor is an author and commentator on real estate matters, Royal LePage Innovators Realty
905-796-8888
www.OntarioRealEstateSource.com

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

3 commentsTy Lacroix • October 30 2009 10:05AM

The Four Basic Types of Survey in Ontario

This information was supplied by Brian Madigan in Toronto and I thought I would pass this along as it really explains surveys in Ontario.

Ty

Via Brian Madigan LL.B. (Royal LePage Innovators Realty):

The Four Basic Types of Surveys in Ontario

 


By Brian Madigan LL.B.

Ontario Land Surveyors are called upon to prepare four basic types of survey:



"1)Plans of Subdivision (M-Plan, Registered Plan, Condominium Plan) Upon registration in the Land Registry Office, these surveys divide property into lots or units and set out boundaries for the first time, after appropriate approvals have been obtained.

2)Reference Plans (R-Plans) These are deposited plans and graphical representations of descriptions, as well as representations of divisions of land under the Planning Act.

3)Plan of Survey This may be a reference plan, an undeposited plan in the form of a Surveyor's Real Property Report (SRPR), or a standard survey plan.

4)Surveyor's Real Property Report A Surveyor's Real Property Report (SRPR) is a legal document that clearly illustrates the location of all visible public and private improvements relative to property boundaries."*

One of the principal purposes of a survey is the division of property. Simply put, without a survey, property remains as one large parcel. It is only with a proper survey that it can be divided into smaller units.

So, let's start out with the process. A farm in the close suburbs may be comprised of 100 acres along a major roadway. It may have street frontage on two sides. If it were the entire concession lot, it would be exactly 200 acres and have four streets as boundaries. The dimensions would be one and a quarter miles by one and a quarter miles. Over the years, this large farm may have been broken into two 100 acre farms or even four 50's.

The next item is a large 150 year old farmhouse and small barns and outbuildings. When setting out to develop the property, the first item to check will be #3 a Plan of Survey. Does it show the boundaries and does it show the buildings? If matters are to proceed, a new and current survey will have to be prepared. This will be #4, the Surveyors Real Property Report. It will contain two pages:

1) a graphical representation of the property, and
2) an opinion from the surveyor.

The next stage will be to carve up the property into two pieces. Let's assume here that one acre is to remain with the farmhouse and to continue as a residential property, and the remaining 99 acres are to be developed.

Now we need an updated survey. So, we need to have a graphical representation that can be used to apply for a division of the lands into two parcels, one 1 acre and one 99 acres.

A surveyor will utilize the #4 Surveyors Real Property Report as the basis, and outline the two parts:

1) Part 1, being one acre with a farmhouse,
2) Part 2, being ninety-nine acres.

This particular survey will be taken before the Land Division Committee or the Committee of Adjustments, depending upon which committee has jurisdiction for severances in that area.

This particular survey is not "deposited". The term deposit is a reference to the fact that the survey might be "filed" or registered in a particular Registry Office. In this case, the survey is submitted to the municipality to go through the land severance process. At this point, there is no need for registration.

Let's assume that the severance is granted.

The surveyor then prepares a Reference Plan, known also as an R-Plan. It is taken over to the Registry Office to be filed. Upon the payment of the prescribed fee, the R-Plan is "deposited" in the office as a reference plan, or at least a plan that can be "referred to", if need be. The term "registered" is a term of art in the conveyancing business, so a similar but different term was required, hence: "deposited".

For ease of location within the office, it is given a number, ie. 241 (the next number in series at that office).

Now, we have a legal description that could be used for future conveyances, two parcels as follows:

1) Part 1, Reference Plan 241 (being one acre with a farmhouse),
2) Part 2, Reference Plan 241 (being ninety-nine acres).

So far, the farmer still owns the entire 100 acres. Nothing has happened yet. There are three choices in terms of conveyance:

1) the entire 100 acres using the old property description,
2) the one acre parcel, using Part 1 R-Plan 241, and
3) the ninety nine acres, using Part 2 R-Plan 241.

Actually, there's one more possibility and that is to use the new description to convey the entire 100 acre parcel. So, that would be Parts 1 and 2 R-Plan 241.

But, remember even though there has been an approval of the severance, there is no severance until there is a conveyance. The "approval" is of limited duration. It will expire in 12 months unless it is acted upon.

That means the farmer must convey either Part 1 or Part 2 separately to a third party. Upon registration of the conveyance which has the consent of the appropriate approving authority attached, the property consisting of 100 acres will be severed into two parcels, one acre and ninety-nine acres.

And, when it comes to dividing up the 99 acres, a plan of subdivision (#1) or M-Plan will be used.

* source The Association of Ontario Land Surveyors

Brian Madigan LL.B., Realtor is an author and commentator on real estate matters, Royal LePage Innovators Realty
905-796-8888
www.OntarioRealEstateSource.com

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

2 commentsTy Lacroix • October 28 2009 07:43PM

New bungalow in North London for sale

Brand New, solid 2 bedroom bunglow in North London, close to 401, London Airport, off of Fanshawe Park Road  at 980 Grenfell Drive located in a great safe neighbourhood. Just around the corner from new public school to open in 2010. Great starter home or Condo alternative (only without the fees) if you are downsizing.

This home is a 10+, finished with hardwood floors and ceramic tile. Master bedroom has 3pc ensuite with stand up shower. Kitchen offers stainless steel appliances and raised breakfast bar and dinette eating area. Inside entry from garage leading into laundry/mud room.

Energy Star certified. Unspoiled basement finished to suit if needed. Upgraded paver stone double driveway to double car garage.

Tarion Home Warranty applies. Oversized back yard not often seen in subdivisions.
Possession Flexible. For more pictures and info, visit www.top10homesinlondon.com

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

0 commentsTy Lacroix • October 28 2009 07:35PM

Hazelden North London House Bank Foreclosure Sale

BANK FORECLOSURE: Solid 2 storey brick executive Wasko built home in beautiful Hazelden North situated on a quiet cul de sac off of Riverside Drive.

Inground pool by Pioneer pools with all the toys and a quaint pool shed/change area. Rear yard is completely fenced with a wrought iron fence around pool. A very nice deck for entertaining.

The large gourmet eat in kitchen has an island bar, 9' ceilings, pot lights, hardwood floor and a double sided fireplace. In the other side of the fireplace is a large den or family room. Kitchen area is bright with a patio door off to the large deck and pool.

Formal dining area and large living room off the main entrance. Laundry is on main floor with entrance way to oversized double garage. There is a 2 piece bathroom on the main floor.

The four bedrooms upstairs all have large closets and the master has an ensuite with a walk in closet. There is another 4 pc bathroom upstairs.

The lower is fully finished with loads of storage and a 3 pc bathroom.The home is well landscaped a little TLC is required.

Special conditions apply as this is a bank sale and remember, this home is underpriced in this neighbourhood.

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

0 commentsTy Lacroix • October 28 2009 02:19PM

Sunningdale Neighbourhood Houses in London

The Sunningdale neighbourhood is situated in North London bordered by Fanshawe Park Road West, Richmond Street, Sunningdale Road West and Hyde Park Road and includes Medway Park and Hyland Estates.

A very short drive to the Masonville shopping area and dining and the big box stores in Hyde Park. Easy access to the University of Western Ontario (UWO or Western), it's hospital and nearby  research centre.

5 minutes to downtown London and quick access to great beaches along Lake Huron such as Ipperwash, Pinery Provincial Park, Grand Bend, Bayfield and Goderich.

The houses and condos in Sunningdale are tastefully laid out with many enclaves and one of a kind homes.

We can assist and guide you when it is time to purchase or sell a home or condo in Sunningdale. We can provide you with neighbourhood statistics and our Envelope Real Estate Brokerage experience and skills. We are just a quick call or email away.Go to www.enveloperealestate.com to see these beautiful homes for sale.


Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

0 commentsTy Lacroix • October 27 2009 03:00PM

NO or Know?

                                 Know or No? 

Have you been on a listing presentation and the homeowners said ‘no' to you? Have you been farming an area, not getting results, ‘no' one is calling you? Have you had a buyer say ‘no' to you? What about an offer to purchase which is quite close to asking price and you got a ‘no' for a reply?

In my experience, I have found that they are not saying ‘no', they are saying they don't ‘know'!

If a listing presentation is rejected, did the homeowners say ‘no' to me or was it because they didn't ‘know' how I could market and sell their home for top dollar and a short period of time? In my farm area, they do not ‘know' how energetic and capable I am.

The buyer doesn't ‘know' the difference between a great buyer's agent or why he or she should be represented by a REALTOR*. In the offer presentation, the other agent and homeowner didn't understand my offer, they didn't ‘know' why my offer was the way it was.

Fortunately over the years I have refined my presentations and learned how to get to ‘know' what motivates the other side which in turn enables me to hear more ‘yeses' than ‘no's'.

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

2 commentsTy Lacroix • October 26 2009 01:55PM

Condos in Sunningdale, A London Ontario Upscale Neighbourhood

     The Sunningdale neighbourhood is situated in North London bordered by Fanshawe Park Road West, Richmond Street, Sunningdale Road West and Hyde Park Road and includes Medway Park and Hyland Estates.

A very short drive to the Masonville shopping area and dining and the big box stores in Hyde Park. Easy access to the University of Western Ontario (UWO or Western), it's hospital and nearby  research centre.

5 minutes to downtown London and quick access to great beaches  along Lake Huron such as Ipperwash, Pinery Provincial Park, Grand Bend, Bayfield and Goderich.

The houses and condos in Sunningdale are tastefully laid out with many enclaves and one of a kind homes.

There are 6 addresses in Sunningdale that you could consider for an upscale condo address in London.

They are: 

  • 140 McGarrell Place which has 24 units
  • 285 McGarrell Place which has 38 units
  • 475 Mcgarrell Place which has 26 units
  • 575 McGarrell Place which has 24 units
  • 578 McGarrell Place which has 29 units
  • 1755 Louise Blvd which has 24 units

Over the last year, the average asking price was$267,327 and the average selling price was $259,673 which was 97% of the asking price. The average days it took for these condos to sell was 56 days.

Visit www.enveloperealestate.com or www.condosinlondon.com for pictutes and my exclusive Free 2009 London Ontario Condo Guide

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

0 commentsTy Lacroix • October 26 2009 01:06PM

Top 10 Homes For Sale In London Ontario

                                            Top 10 Homes For Sale In London Ontario

There are  3500+ houses for sale in London Ontario and area.We have chosen 10 each of these in 6 price ranges.

With so many to choose from, even we can get confused! But not that much that we can't dedicate our resources and energy to locate and match a home that meets your needs.

This list of homes for sale in London cover homes from $100,000 to over $450,000 and everything from bungalows, ranches, 2 storey homes, semis' and more.

In neighbourhoods of London like Sunningdale, Uplands, Westmount, Byron, Lambeth, Oakridge, Hazelden, South London, Summerside, Cleardale, Masonville and more.

Get your FREE list of top 10 homes for sale in london by going to www.top10homesinlondon.com

Ty Lacroix Broker of Record & Owner

          

'NOT ALL REALTORS* ARE THE SAME', One call or email to me and you will know why!

Your London and S/W Ontario source for results!

519-435-1600   www.enveloperealestate.com

2 commentsTy Lacroix • October 25 2009 11:11AM