Refinancing in BC: Fixed-Fee Mortgage Lawyer in Surrey
For owners in Surrey, White Rock, Langley, Delta and across BC who are refinancing, changing lenders or taking out a new mortgage or secured line of credit. We review your lender’s instructions, search title, pay out your current mortgage and register the discharge, prepare the new mortgage documents, meet with you to sign and release the funds as your lender directs. Our all-in fixed fee for a standard refinance is $1,500, including one discharge, GST and PST. Cube Law is led by Rajat Verma, a member of the Law Society of British Columbia who has practised since 2020 and handles several hundred property transactions a year.
Overview
Legal help with your mortgage
We handle the legal side. We review your lender’s instructions, search title, get the payout statement from your current lender and arrange the discharge, prepare the mortgage documents, meet with you to sign, register the new mortgage and handle the funds as your lender directs. Your broker or lender chooses and arranges the mortgage product. We do not recommend one.
To get started, send us your lender’s or broker’s contact details, your commitment letter, a recent mortgage statement and two pieces of government-issued ID.
If you are buying, your mortgage is part of our work on a property purchase, and if you are selling, see selling a property. Our guides cover how to choose a conveyancer, title insurance and conveyancing risks and the legal checklist for first-time homebuyers.
Why Cube Law
We handle the legal side so you can focus on what’s next.
Your lender’s instructions are followed exactly
Lenders set conditions for releasing funds. We read their instructions carefully and tell you what they require before you sign.
Title is checked before the new mortgage
We search title for existing mortgages, liens and judgments, so nothing unexpected sits ahead of your new lender.
Existing mortgages are paid out and discharged
When a refinance or lender change pays out your old mortgage, we obtain the payout figure, pay it from the new funds and register the discharge, so only the right charges remain on title.
You see what you are signing
We explain the mortgage terms, the lender’s documents and any declarations in plain language at your signing appointment.
Pricing
Clear, Upfront Pricing
All inclusive fee for refinance – one discharge
All-in fixed fee. Includes our legal fee, GST and PST, conveyancing software, Land Title Office forms, title searches, Juricert, trust administration and file costs. Strata forms, insurance binder, title insurance, tax search and any lender portal fees are paid separately, and each payout is $100 + tax.
$1,500
All inclusive fee for refinance – remove one person
All-in fixed fee, including the title change to remove one person. Includes our legal fee, GST and PST, conveyancing software, Land Title Office forms, title searches, Juricert, trust administration and file costs. The other owner may need independent legal advice, quoted separately. Third-party costs are paid separately.
$2,400
Independent legal advice – guarantor on mortgage
$300 + tax
Independent legal advice – mortgage documents (Form B, AOR, OTP, Lender OTP)
Starting at
$1,000 + T&D
Independent legal advice – spousal postponement agreement and consent
$300 + tax
Prices marked all-in include our legal fee, GST and PST and the items listed with the price. Costs listed as paid separately are charged at actual cost, and prices marked + tax have tax added. Fixed fees apply to standard matters; complex or non-standard files may be quoted separately after an initial consultation. Prices may change if government or third-party charges change or the scope of the work changes.
How It Works
How a Refinance Works With Cube Law
01
Send your commitment letter
Send us your lender’s commitment letter or instructions, and your current mortgage statement.
02
Get your fixed-fee quote
We confirm your fee, collect your ID, and run our conflict check.
03
We search title
We search title, request the payout statement from your current lender and tell you about anything unusual.
04
Sign your documents
We prepare the mortgage documents and meet with you to sign, explaining each one.
05
We pay out and register
Once your lender’s conditions are met, we register the new mortgage, pay out the old one and register the discharge.
06
You get your reporting package
We send you copies of the final documents and the remaining funds, if any, as your lender directs.
Common Questions
Frequently Asked Questions
Can I talk to you before I accept a lender’s offer?
Yes. Send us the commitment letter and we will explain the legal terms, conditions and deadlines in it. We do not recommend a mortgage product or compare rates, because your broker or lender does that. This review falls outside our standard refinance fee, so we quote it separately before you sign the commitment.
Is your fee fixed for a refinance?
Yes, for a standard refinance we quote a fixed legal fee up front. It includes one mortgage discharge. Additional discharges, payouts and some private or smaller lenders cost more, and we confirm the total in writing before we begin. Starting fees are available on request.
Do I need a lawyer to refinance?
Most lenders require a lawyer or notary to register the new mortgage and handle the funds, so you will usually need one. Your lender sends its instructions to us, and we make sure each condition is met before the funds are released. Tell your broker that you want to use Cube Law.
Do I need a lawyer to renew my mortgage or open a secured line of credit?
Often. A secured line of credit is registered against your home, and lenders generally require a lawyer to register it. Whether a renewal needs one depends on the lender, even when you stay with the same lender. Contact our office with your lender’s offer and we will tell you what is needed.
What do you check on title before a refinance?
We search title to confirm who owns the property and what is registered against it, including existing mortgages, liens, judgments and other charges. If something unexpected appears, we tell you what it is and what is needed to clear it before the funding date.
What happens to my current mortgage when I refinance?
The new funds pay out your current mortgage. We request the payout statement, pay the exact amount owing and register the discharge. Your current lender may charge a prepayment penalty if you pay out before the term ends, so ask them for the figure early.
Which documents will I sign?
You will sign the mortgage that is registered against your title (Form B), your lender’s standard terms, and usually statutory declarations. Private lenders often also require a promissory note, and investment properties may need a guarantor’s signature or an assignment of rents. We explain each document before you sign.
Client Feedback
What Real Estate Clients Say
Excellent service by Rajat Verma and his staff. I have closed a real estate deal and recently for last will and testament. Clearly explained each step and completed in an orderly manner. Prompt replies to queries and help. Thank you.
Theadora McLelland
Real Estate & Wills Client
Rajat and Aashi were excellent in helping us close our condo purchase. They were thorough, responsive, and explained everything clearly, so we felt secure throughout the legal process. The whole transaction went smoothly and on time, thanks to their professionalism. Would absolutely recommend Cube Law Corporation to anyone buying or selling a home.
Arushi Jain
Real Estate Client
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Refinancing or renewing? Get your fixed-fee quote.
We confirm your fixed fee once we have your commitment letter. See our real estate fixed fees.
- Fixed fees for most matters, confirmed in writing before we start
- All-in fixed fee from $1,500, GST and PST included
- Based in South Surrey, serving clients across BC