Terms of Use
Danny Macedo, REALTOR®
Please read these terms and conditions carefully before using this site. This site is provided by Danny Macedo, REALTOR®, Royal LePage Supreme Realty, Brokerage ("we", "us" or "our"). By using this site, you agree to be bound by the terms set out below. If you do not agree with these terms, please do not use this site.
Acceptance of Agreement
By accessing or using this site (the "Site"), located at www.macedorealestategroup.com, you agree to the terms of this Agreement, which constitutes the entire agreement between you and us regarding your use of the Site and its content. We may amend this Agreement from time to time. The current version will always be posted on the Site, and your continued use of the Site after any change constitutes acceptance of the revised terms.
Real Estate Regulatory Notice
This Site is operated in connection with real estate services provided in Ontario by Danny Macedo, REALTOR®, a registrant with the Real Estate Council of Ontario (RECO), operating under Royal LePage Supreme Realty, Brokerage. All real estate services referenced on this Site are provided in accordance with the Trust in Real Estate Services Act, 2002 (TRESA) and the regulations and code of ethics administered by RECO. Nothing on this Site should be taken as a substitute for representation agreements or disclosures required under TRESA.
Copyright
The content, organisation, graphics, design and other elements of this Site are protected by applicable copyright and other intellectual property laws of Canada. You may not copy, reproduce, modify or publish any part of this Site without our express prior written permission.
Modification of Content
We reserve the right, at our discretion and without notice, to edit or remove any content on the Site, including this Agreement.
Indemnification
You agree to indemnify and hold harmless Danny Macedo, REALTOR®, and Royal LePage Supreme Realty, Brokerage, together with their officers, employees and agents, from any liability, loss, damage, claim or expense, including reasonable legal fees, arising from your breach of this Agreement or your use of the Site.
Disclaimer
The content and services provided through this Site are provided "as is" and "as available". To the extent permitted by applicable Ontario and Canadian law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. The Site may contain errors or omissions. We are not liable for any indirect, incidental or consequential damages, including loss of business or loss of profit, arising from your use of or inability to use the Site, except where such liability cannot be excluded under Ontario consumer protection law.
Nothing in this Disclaimer excludes or limits liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot lawfully be excluded under the laws of Ontario, including the Consumer Protection Act, 2002.
All information on this Site is provided for general information only and does not constitute professional, legal, financial or real estate advice specific to your circumstances. You are responsible for independently verifying the accuracy of any information before relying on it, including property listings, market data and valuation estimates.
Limits of Liability
We are not liable for any damage caused by viruses or other harmful components that may affect your device as a result of accessing this Site. We will not be liable for incidental, special or consequential damages arising from your use of, or inability to use, the Site.
Third Party Websites
This Site may link to third party websites. We do not control, endorse or take responsibility for the content, accuracy or practices of any linked site. Visiting a linked site is at your own risk, and that site's own terms and privacy policy will apply to you.
Submissions
Any feedback, ideas or content you submit to us through the Site (a "Submission") may be used by us without obligation of confidentiality or compensation to you, except where you have separately agreed with us in writing that a Submission remains your property, or where such use would breach the Copyright Act (Canada) with respect to material you did not create.
Consent to Be Contacted
By submitting your contact details through this Site, you consent to being contacted by Danny Macedo, REALTOR®, by telephone, text message or email regarding your enquiry, in accordance with Canada's Anti-Spam Legislation (CASL). Where consent is required under CASL for commercial electronic messages, we will obtain it before sending such messages. You may withdraw your consent at any time by using the unsubscribe link in any email, by replying "STOP" to any text message, or by contacting us directly at [email protected]. Standard message and data rates may apply. Submitting your details is never a condition of buying or selling any property, or of purchasing any goods or services.
Privacy
This Site collects personal information through its contact and enquiry forms, including at minimum names, telephone numbers and email addresses. That information is collected, used and disclosed in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA). Because the Site actively collects personal information, a standalone Privacy Policy is required, and should be linked from this page and from every form on the Site, disclosing what is collected, why, who it may be shared with, how long it is retained, and how a visitor can access, correct or request deletion of their information. That Privacy Policy has not yet been drafted and should be treated as an outstanding item before any form on the Site goes live or continues collecting data.
Accessibility
We aim to meet the requirements of the Accessibility for Ontarians with Disabilities Act, 2005 (AODA) in the design and operation of this Site. If you encounter an accessibility barrier, please contact us at [email protected].
Governing Law and Jurisdiction
This Agreement is governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict of law principles. Any dispute arising from this Agreement or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Ontario.
Contact and General
This Site is operated by Danny Macedo, REALTOR®, Royal LePage Supreme Realty, Brokerage, 110 Weston Road, Toronto, Ontario, M6N 0A6. You may contact us at [email protected]. If any provision of this Agreement is found to be unenforceable, the remaining provisions will continue in full force.
Last updated: September 10th, 2026
Royal LePage® Supreme Realty, Brokerage
110 Weston Road
Toronto, ON M6N 0A6
Call 416-535-8000
Text 647-931-5151
Copyright 2026. Macedo Real Estate Group, Danny Macedo, Sales Representative, Anthony Rocco Macedo, Sales Representative, Royal LePage Supreme Realty, Brokerage all rights reserved assumes no responsibility for the accuracy of any information shown. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose.
Elite Broker Blogs
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The Document Folder: What to Gather Before You Buy, Sell or Refinance
Almost every delay in a property transaction comes from the same place. Somebody has to produce a document, and it takes them four days to find it.
This is entirely avoidable. What follows is a checklist you can work through on a quiet evening, once, and then keep. It applies whether you are buying, selling, investing or renting, and it will save you more time than any other hour you spend on the process.
Build one folder. Digital is fine, and a scan or a clear photograph of each item is usually enough to start with.
If you own the property
These are the documents a buyer, a lender, a lawyer or a valuer will eventually ask you for.
Your most recent property tax bill and the current assessment notice. A recent utility bill for each service, which also tells a buyer what the place costs to run. Your survey or site plan if one exists. Any building permits and their closing documents, particularly for work on the roof, electrical, plumbing, windows, or anything structural.
Warranties and receipts for major items, with dates. Roof, furnace, air conditioning, water heater, windows, appliances. Buyers ask how old the furnace is in almost every showing, and "I think about ten years" is a much weaker answer than a dated receipt.
Your mortgage statement, showing the balance, the maturity date and the prepayment terms. That last one matters more than most people expect. Selling before your term ends can carry a charge, and the size of it is worth knowing before you decide on timing rather than after.
If the property is a condominium, the status certificate is the central document, along with the declaration, the by-laws, the rules, the reserve fund study and the current budget. If it is rented out, the lease, the current rent, the tenant's details and the record of any rent increases.
If you are buying
Lenders ask for the same things every time, so gather them once.
Photo identification. Two recent pay slips. An employment letter stating your position, your salary and your start date. Your notices of assessment for the last two years, and your T4s. If you are self-employed, two years of financial statements or tax returns and your business registration.
Bank statements covering the last ninety days for every account holding your down payment. This is the item that catches people out. Lenders are required to trace where the money came from, and a large deposit with no explanation will hold up a file. If part of the down payment is a gift, ask for a signed gift letter early rather than in the final week.
A list of your current debts with balances and monthly payments. Car loans, lines of credit, student loans, credit cards.
Names and contact details for your lawyer, your mortgage broker or lender, and your insurance broker. Having all three lined up before you write an offer is the difference between a smooth closing and a frantic one.
If you are renting
Landlords in a competitive market decide quickly, and the applicant who is ready gets seen as the lower risk.
Photo identification. Proof of income, usually pay slips or an employment letter. A credit report, which you can obtain yourself. References from previous landlords with working contact details. If you have a guarantor, their information and their consent, arranged in advance.
Two things to check while you are in there
Your insurance. Confirm what your policy actually covers and what the deductible is. Confirm what happens if the property is unoccupied for a period, which becomes relevant during a move.
Your title. Confirm that the names on title are what you think they are, and that they are spelled correctly. Errors here are usually trivial to fix with notice and expensive to fix in a hurry.
How to keep it useful
Name every file so that its content is obvious without opening it. A date and a description is enough. "2026-03 furnace service receipt" beats "scan 47".
Put a note in your diary to revisit the folder once a year. Add anything new, and refresh the items that go stale, which is mainly the pay slips, the bank statements and the mortgage balance.
Why this is worth an evening
Nothing in this list is difficult. All of it is boring. That is precisely why it does not get done, and why it becomes urgent at the worst moment.
The people who close smoothly are not luckier than everybody else. They are the ones who spent an hour on this before they needed to, and who could produce the document the same day it was asked for. Everything else in a transaction is negotiation. This part is just preparation, and it is entirely within your control.
If you would like a second pair of eyes on what you have gathered, or you are not sure which of these apply to your situation, call or text me on 416-560-4983.
