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Welcome to The Conveyance Desk. This is Episode 24.

Every property transfer has someone managing the process. The real question is: who do they work for? Independent oversight isn't about the size of a firm—it's about having someone whose responsibility is to protect your interests, not simply complete the transaction.

Today's topic is something buyers rarely see until it's too late: encumbrances.

This is general information, not legal advice.

A property is more than a unit and a price. It's a legal record, and that record may include a mortgage, service charge arrears, a lien, or restrictions on the title. These claims remain attached to the property until properl ...