Al Marani

Sales Representative

HomeLife Landmark Realty Inc., Brokerage

Mobile:
416-939-9088
Office:
(905) 305-1600
Toll Free:
1-855-305-1600
Email Me
  Al  Marani

Al Marani

Sales Representative

Mobile:
416-939-9088
Office:
(905) 305-1600
Toll Free:
1-855-305-1600
Email Me

Thank you for visiting buyaproperty.ca. I'm Al, and I know that when it comes to Real Estate, there are always a LOT of questions: When is the right time to buy or sell? What if the market drops or I lose my job? Will I ever be able to afford my dream home? How can buying a property now help secure my retirement later? As a dynamic, tech-savvy sales representative, my goal is to help you navigate these tough questions in a clear, concise, and pressure-free manner.

I was born and raised in Toronto, but today make my home in Durham Region. I specialize in the following areas: Toronto, York Region, Durham Region, Northumberland County, Kawartha Lakes, Muskoka, and Haliburton. From new builds to assignments, resale homes to waterfront properties, I can help you through the process of finding your next home, or selling your current one by providing local experience that you won't get elsewhere. I am a proud memeber of one of the largest real estate brokerages in the GTA with over 1100 sales representatives, which gives me a massive network of contacts to market your property to, and incomparable access to new developments that only a top-producing office can provide.

Are you a millenial struggling to make sense of how you'll be able to afford to buy into the red hot GTA housing market? As prices continue to climb, more and more young people believe there is no hope of them being anything more than life-long renters. That's where I come in; as someone who has been where you are, I can help you understand the benefits of investing in pre-construction and recreational properties to help you turn a modest downpayment into the equity you need for your first home. Already have your home? Let me guide you on the exciting path of income properties, and show you how your investments can make money for you!

My mission is Service. Any salesperson can pop a sign on your lawn a post your home on MLS. My goal is to develop trust, to help you make money, to improve your understanding of the market, and to take the stress out of buying and selling your home. I cannot wait to work with you. Contact me today.

 

Education: York University (2002-2006), Humber College (2020-2021), OREA Real Estate College (2007)
Specialty: Specializing in pre-construction, new home, and resale homes
Experience: First licensed in 2007
Area Covered: Toronto, York Region, Durham Region, Cottage Country
Languages Spoken: English
Shiraz  MaraniShiraz  Marani

Shiraz Marani

Sales Representative

Mobile:
416-460-7111
Office:
(905) 305-1600
Toll Free:
1-855-305-1600
Email Me

Shiraz Marani is a proven and a very Seasoned Real Estate Salesperson with more than 40 years of
Investment and residential Real Estate experience behind him, coupled with an in-depth flair for analytical skills achieved as a result of being a Financial Analyst previously with a Fortune 500 Companies.
Shiraz Marani's humble beginnings in the Real Estate industry go back more than 40 years. In May of 1981, when Shiraz first received his license to practice Real Estate, interest rates were hovering around 17%! The Real Estate market was almost stagnant, but with sheer hard work and persistence, Shiraz was able attain the # 1 designation in that year at his office. Today, he is able to offer his clients a wide range of experiences that encompass both a strong knowledge-base of the Toronto resale market as well as pre-construction condominium developments. This broad scope allows him to offer perspective in a variety of areas important to prospective home sellers, buyers and investors.

As part of his continuous effort to stay on the leading edge, Shiraz utilizes his solid background in Finance to benefit his investment clients. He possesses tremendous negotiating skills, and maintains long standing working relationships with many local developers. He also has extensive experience in new condominium development projects.

Shiraz has been able to establish and maintain long-term relationships with each of his clients based upon the energetic commitment to service that he has provided to each of them. This is evidenced by his continuous achievements, such as multiple awards he has received as a result of his many years of dedicated service.
Shiraz is acutely aware and fully recognises the changes that have evolved in conducting Real Estate transactions over the last thirty years. He is well versed with and always evolving new technology and providing value and deepening relationships through digital marketing and social media.

Specialty: Pre-Construction, Residential Homes (New and resale)
Experience: 40+ Years
Languages Spoken: English
Al  Marani

Al Marani

Sales Representative

HomeLife Landmark Realty Inc., Brokerage

Mobile:
416-939-9088
Office:
(905) 305-1600
Toll Free:
1-855-305-1600
Email Me

Title Insurance Details

Title Insurance Details

What is Title Insurance?

Title insurance is protection against loss arising from problems connected to the title of your property. Before you purchased your home, it may have gone through several ownership changes, and the land on which it stands went through many more. There may be a weak link at any point in that chain that could emerge to cause trouble.  For example, someone along the way may have forged a signature in transferring title. Or there may be unpaid real estate taxes or other liens. Title insurance covers the insured party for any claims and legal fees that arise out of such problems.

Prior to closing, public records are "searched" to determine the previous ownership of the property, as well as prior dealings related to it. At closing the buyer expects property that is free and clear of such claims, so typically they must be cleared up before closing.

Occasionally problems regarding title are not discovered before closing, or are not remedied before closing. Such defects can make the property less marketable when the buyer subsequently sells and, depending on the nature of the problem, can also cost money to remedy. For example, the survey might have failed to show that an addition to the property was built without permission. The buyer of the property could be out-of-pocket if he is later required to remove the addition.

Am I required to purchase Title Insurance?

Title Insurance is required if you need a mortgage, because all mortgage lenders require such protection for an amount equal to the loan. It lasts until the loan is repaid. As with mortgage insurance, it protects the lender but you pay the premium, which is a single-payment made upfront.

Who is protected with Title Insurance?

Title insurance policies can be issued in favour of a purchaser (on new/resale homes, condos and vacation properties), a lender, or both the purchaser and lender. Some of the risks that are frequently covered under a title insurance policy include: survey irregularities; forced removal of existing structures; claims due to fraud, forgery or duress; unregistered easements and rights of-way; lack of pedestrian or vehicular access to the property; work orders; zoning and set back non-compliance or deficiencies; etc.
For a risk to be covered, usually it has to have existed as of the date of the policy. As with any type of insurance policy, certain types of risks might not be covered, for example, native land claims and environmental hazards are normally excluded. Be sure to discuss with your lawyer what risks are covered and what are excluded.

When does the insurance coverage end?

When the title insurance is covering the purchaser, it remains in effect as long as the insured purchaser has title to the land. Some policies also protect those who received title as a result of the purchaser's death, or certain family members (e.g., a spouse or children) to whom the property may have been transferred for a nominal consideration.

When the title insurance is covering the lender, the policy remains in effect as long as the mortgage remains on title. A lender covered under a title insurance policy is insured in the event the lender realizes on its security and suffers actual loss or damage with respect to a risk covered under the policy. Lenders are usually covered up to the principal amount of the mortgage.

The premium for title insurance is paid once (at the time of purchase). Generally speaking, in Canada the purchaser of the property pays for the title insurance, though there can be situations where the seller pays for it. Some policies automatically cover both the purchaser and lender; others will cover both for a small additional fee

Protection and Peace of Mind

Title insurance can help ensure that a closing is not delayed due to defects in title. And, if an issue relating to title arises with respect to a risk covered under the policy, the title insurance covers the legal fees and expenses associated with defending the insured's title and pays in the event of loss.

 

Have Questions?

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Call Al:416-939-9088

   

Call Shiraz:416-460-7111

   

(905) 305-1600

   

Thank you for visiting buyaproperty.ca. I'm Al, and I know that when it comes to Real Estate, there are always a LOT of questions: When is the right time to buy or sell? What if the market drops or I lose my job? Will I ever be able to afford my dream home? How can buying a property now help secure my retirement later? As a dynamic, tech-savvy sales representative, my goal is to help you navigate these tough questions in a clear, concise, and pressure-free manner.

I was born and raised in Toronto, but today make my home in Durham Region. I specialize in the following areas: Toronto, York Region, Durham Region, Northumberland County, Kawartha Lakes, Muskoka, and Haliburton. From new builds to assignments, resale homes to waterfront properties, I can help you through the process of finding your next home, or selling your current one by providing local experience that you won't get elsewhere. I am a proud memeber of one of the largest real estate brokerages in the GTA with over 1100 sales representatives, which gives me a massive network of contacts to market your property to, and incomparable access to new developments that only a top-producing office can provide.

Are you a millenial struggling to make sense of how you'll be able to afford to buy into the red hot GTA housing market? As prices continue to climb, more and more young people believe there is no hope of them being anything more than life-long renters. That's where I come in; as someone who has been where you are, I can help you understand the benefits of investing in pre-construction and recreational properties to help you turn a modest downpayment into the equity you need for your first home. Already have your home? Let me guide you on the exciting path of income properties, and show you how your investments can make money for you!

My mission is Service. Any salesperson can pop a sign on your lawn a post your home on MLS. My goal is to develop trust, to help you make money, to improve your understanding of the market, and to take the stress out of buying and selling your home. I cannot wait to work with you. Contact me today.

 



Education: York University (2002-2006), Humber College (2020-2021), OREA Real Estate College (2007)

Specialty: Specializing in pre-construction, new home, and resale homes

Experience: First licensed in 2007

Area Covered: Toronto, York Region, Durham Region, Cottage Country

Languages Spoken: English