Leslie Brlec | Etobicoke Top Realtor

Leslie Brlec | Etobicoke Top Realtor

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Unmarried & Buying a Home in Etobicoke

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How Non-Married Couples Can Protect Themselves in Home Ownership in Etobicoke, Ontario

Real Estate Guidance from Leslie Brlec, Etobicoke Top Realtor

📌 Disclaimer:

This blog is intended for general informational purposes only and is not legal advice. For legal matters such as cohabitation agreements or ownership disputes, please consult a qualified lawyer in Ontario. I’m here to support your real estate journey, not provide legal counsel.

Unmarried & Buying a Home in Etobicoke. Buying a home with your partner is an exciting milestone—but if you’re not legally married, there are a few extra steps you may want to take to protect your interests.

As a professional Etobicoke Realtor, I’ve worked with many clients in Eringate, Centennial Park, and West Deane Park who were buying homes as common-law couples. While every situation is different, there are some common questions and planning strategies that can help make the process smoother and more secure.

🧠 Understanding the Difference: Married vs. Non-Married Homebuyers

In Ontario, the law treats married couples and unmarried partners very differently when it comes to home ownership.

If you’re not legally married, property ownership and financial responsibilities aren’t automatically shared or split evenly—regardless of how long you’ve been together. This can lead to challenges later if one person contributed more financially, or if the relationship ends.

Unmarried & Buying a Home in Etobicoke. While I can’t give legal advice, I always recommend that couples speak with a lawyer when purchasing a home together to make sure they understand their rights and obligations.

📝 What Some Couples Choose to Do to Protect Themselves

Many non-married couples take these proactive steps when purchasing a home together:

 

🔐 1. Speak with a Lawyer About a Co-Ownership Agreement

Some couples choose to create a co-ownership agreement with the help of a real estate or family lawyer. This document can outline:

  • Who is contributing what (down payment, mortgage, renovations)

  • How will monthly expenses will be handled

  • What happens if one partner wants to sell, or if the relationship ends

It’s a great way to start the homeownership journey with clarity and mutual understanding.

 

 

🏡 2. Ensure Both Names Are on the Title (if appropriate)

If both partners are financially involved, many choose to have both names on the title. In Ontario, there are two main ways to hold title:

  • Joint Tenants: Equal ownership, right of survivorship

  • Tenants in Common: Ownership can be split unequally and passed on separately

It’s important to decide what makes the most sense for your situation. A real estate lawyer can help explain the legal and tax implications of each option.

 

📂 3. Keep Detailed Records of Financial Contributions

If you’re not on title but contributing to the mortgage or home improvements, it’s a good idea to track those payments. Many clients choose to:

  • Keep receipts and bank records

  • Document transfers or shared expenses

  • Save communication showing shared intentions

While this doesn’t guarantee legal protection, it may be helpful if questions arise down the line.

 

📄 4. Consider a Cohabitation Agreement

Unmarried & Buying a Home in Etobicoke. Some couples opt to create a cohabitation agreement, which is a legal contract that outlines what happens to shared property if the relationship ends.

This is something to explore with a qualified lawyer. As a Realtor, I can work in coordination with your legal team to ensure your real estate transaction reflects any legal agreements you’ve created.

👩‍💼 My Role as Your Realtor

As your Etobicoke Real Estate Agent, I’m here to:

  • Help you find the right home

  • Ensure the buying process is smooth and transparent

  • Connect you with trusted professionals (including real estate lawyers, if needed)

  • Provide expert real estate guidance that protects your investment

I always recommend getting independent legal advice if you’re unsure about your rights as a co-buyer or co-owner.

✅ When You’re Ready to Buy

Whether you’re taking your first step as a couple or starting over in a new partnership, homeownership is a major decision—and a powerful milestone.

I’ve worked with dozens of couples in Etobicoke, West Deane Park, Centennial Park, and Eringate, helping them purchase smart, protect their investment, and plan for the future.

Buying a home is more than a transaction—it’s a partnership. Let’s make sure you’re protected and confident in every step.

💬 Final Thought

Being proactive now can help avoid confusion or conflict later. While love is the foundation, clarity and communication are just as important when it comes to property.

If you’re planning to buy a home with your partner in Etobicoke and want real estate guidance from someone who truly cares—I’m here to help.

📞 Contact Leslie Brlec – Etobicoke Top Realtor for a confidential consultation.

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