TWO PROGRAMS: Consequences of Putting More Than One Person on the Title: Key Considerations for Lawyers AND Private Mortgage New Standard Charge Terms | CPDonline.ca

TWO PROGRAMS: Consequences of Putting More Than One Person on the Title: Key Considerations for Lawyers AND Private Mortgage New Standard Charge Terms

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Credits
Substantive: 0.5
30 minutes
Published
2026
Presenter(s)
Ray Leclair
Matthew Wilson
Source
County of Carleton Law Association (CCLA)
Provider
CPDOnline.ca
Language
English
Length
30 minutes
Price
$139.00 plus tax
32nd East Region Solicitors Conference
Includes Handouts

Consequences of Putting More Than One Person on the Title: Key Considerations for Lawyers examines the legal and practical consequences of holding real property as joint tenants or tenants in common. The presentation highlights survivorship, estate and probate implications, resulting trust risks, client instructions, capacity and undue influence concerns, “zombie” deeds, co-ownership agreements, and practical steps lawyers can take to reduce claims risk. 

Private Mortgage New Standard Charge Terms examines the shift from the older 200033 standard charge terms to the more detailed 202601 terms in Ontario mortgage practice. The presentation highlights expanded definitions, interest and prepayment mechanics, lines of credit, environmental and cannabis-related risks, broader default triggers, enforcement remedies, condominium issues, corporate borrowers, guarantees, discharge conditions, and practical reporting points for counsel.

Presenters

Ray Leclair

Ray Leclair

Ray Leclair joined Lawyers’ Professional Indemnity Company (LawPRO) in June of 2008 in the role of Vice President, TitlePLUS, and as of May, 2012 became Vice President, Public Affairs, responsible for government relations efforts at LawPRO.

Formerly General Counsel for the Kanata Research Park Corporation, a development company and major commercial landlord in Ottawa, Ray has practised in both major national law firms and as a sole practitioner, and was a part-time professor at the University of Ottawa Law School and Cité Collégiale instructing the French language portion of the real estate law course. He also served for 15 years as the Ottawa senior instructor for the French and English Real Estate Sections of the Bar Admission Course and member of the Law Society of Upper Canada’s Solicitor Advisory Group, Licensing Process.

Called to the bar in 1984, Ray is Past-Chair and remains an active participant of both the National Real Property Section of the Canadian Bar Association and of the Real Property Section of the Ontario Bar Association, past Co-Chair and remains a member of the Working Group on Lawyers & Real Estate, and President of the Ontario Real Estate Lawyers Association (ORELA).  Former member of the Ontario Bar Association Council, past executive member of CBA’s National Sections Council, past member of its budget committee and formerly Vice President of the North American Bar-related® Title Insurers, past President of the Advisory Committee for the Cité Collégiale Legal Assistants Program. Ray volunteered as Manager of the fundraiser TOM* MensFashion4Hope and a VIP & Sponsor Relations Officer for semi-annual Toronto Men’s Fashion Week (TOM*). Ray is and has been a frequent speaker/presenter, in French or English, in numerous programs on various real estate and other law related topics in Canada and the United States.

Matthew Wilson

Matthew Wilson is a real estate and business lawyer, focusing on commercial and complex real estate transactions, land use planning and development and mortgage financing. Matthew obtained his Bachelor of Arts degree from Western University in London, Ontario, having attended the affiliated King’s University College. He also obtained his law degree from Western.

A proud Londoner, Matthew believes in being involved in the community, volunteering with organizations such as Western University and London Health Sciences Centre. Matthew was recognized by Business London Magazine as one of London’s Top 20 Under 40 in 2013, was awarded King’s University College’s Young Alumni Award in 2016, and in 2017 was selected to participate in the Governor General’s Canadian Leadership Conference.