Homeowners: mortgages, title, and what the estate actually receives
Real estate may pass to a beneficiary subject to the mortgage or may be sold to pay debts. Clarity in the will reduces fights about who pays carrying costs during administration.
If the home is the main asset, check whether the estate will have liquidity for property taxes, insurance, and repairs while probate proceeds.
Joint tenancy with a spouse is common; adding adult children for estate planning reasons is less often appropriate without advice.
Related guides
Disclaimer: This page is for general education only and is not legal advice. Rules vary by province and change over time; speak with a qualified lawyer about your own circumstances.
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