After the Vancouver City Council passed the controversial Empty Home Tax By-Law, dozens of homeowners and buyers have come to my office asking about the whether it applied to them.
We’ve created this handy infographic that will help explain the Empty Home Tax.
It also details how to overcome the biggest risk to home buyers – getting hit with a $10,000+ tax from before they owned the property.
For a more detailed explanation of the Empty Home Tax, see this post.
If you find this infographic helpful, you can use it on your site. See below for full permission details.
What happens if you want to sell your home before the end of a fixed year mortgage?
When you got your mortgage you shopped around for different options, eventually found a good deal, and likely settled for a five-year mortgage, with a fixed or variable rate.
Then after three years, you decide to sell your property.
You still have two years on your term. This means you’ll have to break your mortgage contract in order to sell.
You call the bank to find out how much it will cost. When the voice on the other side of the phone tells you the figure, you can’t believe what you are hearing.
You put down the phone in a hurry, and ask yourself the following question:
Why Is It So Expensive to Prepay Your Mortgage?
You’d think that lenders would love you for paying out a loan early—but that isn’t the case.
Lenders don’t want you to pay your loan early because they want the interest payments.
Mortgage contracts include specific language regarding the penalties you need to pay if you want to prepay your mortgage.
Whether pay the whole mortgage off in cash, or by switching to a new mortgage, you’ll most likely have to pay these (often) astronomical penalties.
That’s why, before you sign a new mortgage contract, you’ll want to know exactly how much these penalties are.
How Much Will It Cost to Break My Mortgage?
The amount of money you’ll pay in penalties for breaking your mortgage will depend on the type of mortgage contract you have.
Variable rate mortgage
Variable rate mortgages are mortgages in which the interest rate is adjusted periodically to reflect market conditions.
If you have a variable rate mortgage, the penalty you’ll have to pay for breaking your mortgage is of three months of interest on your current balance.
In other words, if the current balance on your loan is of $100,000 and the interest rate on your mortgage is 2.79%, you’ll be paying $697.50 in penalty.
Here is how we got those numbers:
Interest rate x current balance x three-months = penalty or .0279 x 100,000 x (3/12) = $697.50
Fixed Rate Mortgage
A fixed rate mortgage is a mortgage in which interest rates and payments are fixed for the duration of the term.
This type of mortgage provides monthly financial stability, but calculating the penalty for breaking your fixed rate mortgage is complicated.
The general rule of thumb in these cases is that when you break a fixed rate mortgage you will pay whichever is greatest between the three month interest or the interest rate differential.
How to Figure Out Your Penalty
First, calculate your three month interest rate using the same equation as above. Here’s what that would look like using the example above.
Interest rate x current balance x three-months = penalty
Then, figure out what your interest rate differential (IRD) is.
For this, you’ll need to know the following four things: the current balance on your mortgage, your original rate, the rate you can get now and the remaining number of months in your mortgage term. This information can normally be found on your online banking profile.
Using the same example from above, let’s assume that the current balance on your mortgage is $100,000, your original interest rate was 2.79%, the current rate is 2.59%, and you have two years (24 months) remaining in your mortgage term. In this case, your interest rate differential is $400.
Here’s how we got this number:
(Contract rate – Current market rate) x Current balance x Remainder of contract = IRD or (.0279-.0275) x 100,000 x (24/12) = $400
In this example, because the three month interest ($697.50) is higher than the IRD ($400), your penalty will be of three months interest rate. In many cases, however, your IRD will be much higher than the three month interest.
Many times penalties are in the thousands or tens of thousands of dollars, meaning that you may need to reconsider whether or not to break your mortgage.
Also, some lending institutions may use different methods to calculate your interest rate differential, including variables like discounts and advances. Make sure you ask your lending institution how they calculate IRD.
How To Figure Out Your Penalty Without Math
First, you’ll need to get the following information:
When you mortgage started
Whether it’s variable or fixed
The term on your mortgage
The remaining balance
Your existing interest rate
Next, go to the Penalty Calculator on Ratehub.ca and fill out the information about your mortgage.
An example is a 3 year mortgage for $100,000 with HSBC with a 2.79% interest rate would have a $75 penalty on a variable mortgage, but a $3175 on a fixed rate. The same figures with CIBC is estimated about $875 on variable and $3875 on fixed rate.
It shows that rates are different for every bank and mortgage.
Is There Any Way I Can Avoid the Prepayment Penalty?
Here are a few things you can do to avoid paying astronomical prepayment penalties.
1. Review Your Contract Before You Sign It
Your mortgage will most likely be the most complicated document you ever sign. That’s why it’s important that you review your contract thoroughly before signing it. This includes looking specifically at prepayment penalties.
Get some help with this from an expert, and make sure you know exactly what you are signing.
2. Explore Prepayment Clauses
Some mortgages include clauses that allow you to pre-pay up to 20% of your mortgage balance per calendar year without a penalty. If you have calculated your penalty and figure out it is going to be astronomical, you can pay down up to 20% of your mortgage, and incur the penalties on the reduced balance.
3. Port Your Mortgage
If you’re looking to buy a new property, one of the ways to avoid paying a prepayment property is to port your mortgage. This means taking your existing mortgage—with its current rate and terms—and transferring it from one property to another. This can only be done if you’re buying a new property at the same time as you are selling your old one, and needs to be approved by your lending institution.
4. Get Your Mortgage Assumed
If you are selling your house, this means transferring your mortgage to the buyer. Not all loans will allow you to do this (most won’t, in fact) but it could be an option if your contract allows it and your differential is very high. Ask an expert to look at your contract to make sure you qualify for this.
When you have a will you are already the type of person who knows it’s never too early plan for the future.
You know that an accident might happen at any time. You know that unless you’re prepared, your loved ones may be left struggling to deal with your estate.
That’s why you got a will.
However, once a will is created, it’s not necessarily done for good.
Things change.
Your family may have changed. People may have passed away or moved on from your life.
Or your financial situation may have evolved.
We recommend that you review your will every three to five years. If things in your life have changed, it may be a good time to update your will.
Here are 7 reasons why you should consider updating your will.
1. You’ve Had Children
Becoming a parent is one of the main reasons why people get a will in the first place.
A will can allow you to name a guardian for your children and help you provide for them financially if something happens to you.
If you wrote your will before becoming a parent, or if your family has grown to include more children, you should definitely consider updating your will.
Doing this will ensure that everyone is taken care of and that your estate is divided equally among your children.
2. You’ve Had Grandchildren
The arrival of a new grandchild is rarely met with the thought of immediate succession planning, but it’s important that you update your will whenever this happy event happens.
Many people like help grandchildren with the cost of education or buying a first home. Updating your will allows that each of your family is taken care of when you pass away.
3. Someone In Your Family Passed Away
When you lose someone, especially an executor or a beneficiary, it’s time to update your will.
If your spouse passes away, you may need to update your will to reflect this. This change will ensure that you control how your estate gets divided among all the other beneficiaries to your will. You should also review your previous “alternate” plans are now consistent with what you wish to be your primary plan.
4. You’re Separating And/Or Getting A Divorce
Without changing your will, you can subject your family to legal battles with an old spouse who is still your executor or beneficiary. This can make an already difficult time very stressful.
If you are in this situation, update your will immediately.
5. Changes To Your Executor
Wills usually name an executor who is responsible for carrying out the instructions laid out in the will.
This person is in charge of completing an inventory and valuation of all assets and debts. They also gather the names and addresses of all beneficiaries and next-of-kin, and wrap up your personal matters (among many others).
This person plays a central role in ensuring that your wishes are respected once you pass away. It’s important to make sure that they are still up for the task.
There are a number of reasons why you may need to update your will executor, including:
They have passed away.
They moved to a different country.
Your relationship has changed and it’s no longer appropriate.
Someone else is a better choice.
6. Your Financial Situation Has Changed
Changes in your financial situation are another good reason to update your will.
Regardless of whether these changes are positive or negative, they affect the way in which you want to divide your estate.
Positive changes may motivate you to include more people in your will, while negative changes may push you to prioritize.
7. A Law Has Changed
Laws change all the time, and they may affect the validity of your will.
For example, a few ago the B.C. legislature amended the B.C. Wills, Estates and Succession Act (WESA), creating major changes in the ways in which wills were drafted and executed.
These changes may render your will invalid or alter the way it is interpreted. If your will is over two years old, you may need to have it updated.
Do You Need to Update Your Will?
If you think that it is time to update your will or want to find out how to proceed, speak to a BC Notary or a lawyer.
As you revise your succession plans, it’s important to get the right help to make sure that your new will meets all legal requirements.
BC Notaries and lawyers can also help you make sure that the will reflects exactly what you want to happen if something happens to you.
Get in touch if you have questions or need help with your will.
Finding the right person to grant power of attorney to isn’t always easy.
This person will manage your financial and legal interests and will hold significant power over your future.
They’ll also be there to take on a lot of responsibilities, and will need to navigate complex bureaucracy to effectively manage your affairs.
That’s why it’s important that you grant power of attorney to someone who you trust deeply. They need the skills and experience represent your interests if you can no longer do so yourself.
While some people choose family members or friends to act as their attorneys, that’s not always the best option.
You might not have anyone you trust or that has the right qualities and skills needed to do the job.
In those cases, choosing a family member or friend to act as an attorney isn’t the best option – the best power of attorney is a neutral third party.
What is exactly is a power of attorney?
A power of attorney document is extremely important.
It allows you to authorize someone else to sign documents and act on your behalf. The power applies to financial or legal issues, and can also be used to buy and sell assets and sign tax returns if you are out of town or incapacitated.
It doesn’t, however, apply to health care decisions (you’ll need a Representation Agreement for that).
The power granted can take one of two forms:
Specific power of attorney: This type of power of attorney allows you to choose someone to manage your affairs for a specific purpose and time period (to authorize someone to sign documents when selling a specific asset, for instance).
Enduring general power of attorney: This type of power of attorney allows you to choose an attorney who will take control of all your legal and financial matters if something were to happen to you.
A power of attorney agreement can be cancelled at any time and can be customized to your specific needs and desires.
Why do you need a power of attorney?
A power of attorney guarantees that someone you trust will control your finances if you were to become suddenly incapacitated, or suffer from a disease such as Alzheimer’s.
You should seriously consider granting a power of attorney if you:
Want to make sure that someone you trust takes care of paying bills and managing your finances if you are incapacitated or out of town.
Are getting older and want to put a safeguard in place should something unexpected happen.
Believe that you may need help managing your daily finances now or in the future.
Are planning to sell a property or asset while living overseas or traveling.
Are in the early stages of Alzheimer’s, other forms of dementia, or degenerative diseases.
Who can you appoint as your attorney?
The only people who can’t be appointed as your power of attorney are people who you pay to be your caregivers.
Otherwise, anyone over the age of 19 who is able to understand the responsibilities involved can do it.
When acting on your behalf, your attorney must act honestly, in good faith and in your best interest. They must also make sure to keep records of any financial activity done on your behalf.
Because your power of attorney will have significant power, it is important to choose somebody you trust and who is comfortable with financial matters.
That’s why you’ll want to ask yourself the following questions before settling on an attorney:
Are they knowledgeable about taxes and the responsibilities?
Are they organized and meet deadlines?
Will they be willing to devote their time to manage your affairs?
Can they set their emotions apart and get the job done?
Do you want to burden them with the responsibility of managing your financial and legal interests?
A lot of people fail to ask these questions and choose their spouse, a family member or a friend to act as their attorney. While on paper this may sound like a good decision, loved ones aren’t always the best choice for power of attorney.
They may not have the experience or expertise required to do the job, or may not be able to handle the many responsibilities that go with being an attorney.
That’s why a trusted professional or company is a great alternative.
Experienced professionals who act in your best interests may be a great option to consider. Since they fully understand the rules and responsibilities of being an attorney, they are your best choice to make sure that all your affairs are handled in a timely and efficient manner.
At David Watts Notary Public, we can act on your behalf as your power of attorney; or find someone who is appropriate for you.
Why You Should Grant Power Of Attorney To A Neutral Third Party
1. They have the right skills
Professionals that have the skills and knowledge to be great attorneys may be notary publics, lawyers, and accountants who work together to make sure all aspects of your affairs are dealt with.
2. They understand their responsibilities
Choosing a loved one as your attorney means burdening them with a number of new responsibilities that they may not understand or want.
Neutral third party attorneys are well aware of their responsibilities and know how to navigate legal and financial bureaucracy.
3. Efficiency
Having the rights skill set and understanding the responsibilities of being an attorney allow professionals to act effectively on your behalf, making sure your legal and financial affairs are dealt with in a timely and cost-effective manner.
4. They’re familiar with your financial situation and obligations
Being familiar with the person’s overall financial picture and obligations make it much easier for a third party attorney to make correct decisions on your behalf.
5. They aren’t clouded by emotions
Making financial decisions is never easy, but it gets even harder when emotions are involved. That’s why choosing a choosing a loved one to be your attorney may actually cause more pain than you intend.
Settling on a professional to act as your attorney will help balance emotions in the way in which your money is administered.
How do I grant power of attorney?
In British Columbia, granting a power of attorney to someone is not a difficult process and information is readily available.
Getting professional help from a BC Notary or lawyer will allow you to get good advice on how to successfully grant a power, and who to grant it to.
Get in touch if you have questions or need help with deciding who should be your Power of Attorney.
Representation Agreements let you decide in advance who can make health decisions for you in the event you can’t make them yourself.
The golden years offer very different opportunities then they have in the past.
Many Boomers live long lives and are very active. And while the spirit may still feel young, the body, unfortunately, doesn’t always get the memo.
As people grow older, the chances of having accidents or suffering serious health issues grow significantly.
According to a report by the Canadian Medical Association, nearly three-quarters of Canadians over 65 have at least one chronic health condition. The report also states that 62% of hospitalizations for Boomers are due to unexpected falls.
As you get older you need to be ready for the very real possibility that something could happen. A situation may arise leaving you incapacitated and unable to make health decisions for yourself.
What is a Representation Agreement?
A Representation Agreement is a legal document that allows a person (or a group of people) to make personal care and health decisions for someone else.
This allows someone you trust to manage your affairs if you are incapacitated and unable to make your own decisions due to illness, injury, or disability.
If you aren’t sure whether or not you need a Representation Agreement, here’s 3 great reasons…
1. You Choose The Person (Or People) To Represent You
Without a Representation Agreement, a doctor or healthcare provider will choose your Temporary Substitute Decision Maker (TSDM) if you can’t make your own decisions.
This person is selected based on the Health Care Consent Act. Your spouse would be the first choice, followed by one of your children.
Your TSDM is required by law to make decisions based on your best interests. However, this person may not necessarily be the person you want, or may not know what type of care or treatment you would prefer.
A Representation Agreement allows you to choose in advance who you want to represent you. The only people who can’t be appointed as representatives are paid caregivers.
Most people chose a spouse, partner, friend or family member in their representation agreement.
The representative’s main responsibility is to assist a person to make a decision for themselves. This means that before making any decision, the representative is legally obligated to try to determine your current wishes.
If you are completely incapacitated and your current wishes cannot be determined, then your representative will follow what has been outlined in your Representation Agreement.
As a last resort, the representative will make a decision based on what they think is in your best interest while consistent with your values.
2. You Have Control Of The Important Decisions
A Representation Agreement will allow you to dictate your specific wishes regarding your physical, emotional and personal needs. These include:
Advocating for you
Giving or withholding consent for medical treatments
Where you will live (and with whom)
Whether to admit or discharge you from a care facility
Planning of support and services
Who has visitation rights
Care staff management
Spiritual matters
Whether you want to refuse CPR or have a Do Not Resuscitate (DNR)
End of life decision making
Diet and grooming
Care of pets
Participation in activities and exercise
Without a Representation Agreement, your TSDM is unable to make any of these decisions on your behalf. Their power is limited to immediate minor and major healthcare decisions such as surgeries and routine treatments.
With a Representation Agreement, you have the peace of mind that your wishes and beliefs will be carried out if you are incapacitated.
3. It’s Less Stress For Loved Ones
When someone you love experiences a serious health issue it’s stressful, and depending on the severity, often heartbreaking. The last thing anyone needs is additional stress during this time.
The benefit in organizing a Representation Agreement in advance is that you have made a plan, selected the right person (or people) for the task and discussed it with them prior to the document being signed.
In the unfortunate event that something does happen that requires the Representation Agreement to take effect, your loved ones are adequately prepared.
Types of Representation Agreements
There are two types of Representation Agreements:
Standard Powers (Section 7)
A Section 7 Representation Agreement allows a chosen representative to take control over minor and major health care, personal care, legal affairs and routine financial affairs.
Someone can sign this type of Representation Agreement even if they cannot manage their own affairs or make decisions independently, which is why it’s purposefully limited.
It does not hand over responsibility for larger decisions regarding finance and end of life options.
A Section 7 Agreement requires a lesser degree of mental capacity when signing and may be appropriate for people with diminished capacity who need day to day help.
Enhanced Powers (Section 9)
Section 9 Representation Agreements are much broader in scope and are signed before there is any question regarding a person’s mental capability or competency.
These agreements are comprehensive and grant representative powers regarding all health matters, including end of life decision making.
Next Steps
The important things to consider in moving forward are who you would want to name as your decision maker(s). You may name an alternate should the person you choose be unable to act when called upon. Your Notary can help guide you, discuss the process and answer questions when we meet.
To find out more including information about our process and receiving a quote for us to provide this service; please call or email us. We are happy to assist you directly or to provide a referral for a notary or lawyer in your area.
Buying your first house is an exciting (and sometimes nerve-wracking) time.
When you’ve never purchased property before, you might be surprised when you find out about some of the costs associated with closing a deal.
Budgeting for these costs is important because you’ll be required to show proof you have the funds to cover your downpayment and closing costs to secure your mortgage.
This guide will help save you from being surprised by unexpected closing costs.
1. Mortgage Costs
Mortgage Application Fee
If you’re applying for a mortgage, your bank or lender may also charge a mortgage application fee, though usually only with private rather than institutional lenders. Keep this in mind when you are shopping around for mortgages.
This ensures that the bank will not lose any money if you cannot make your mortgage payments and the value of your home is not sufficient to repay your debt.
Appraisal Fee
If the bank requires an appraisal of the home before approving your loan, you will probably have to pay the appraiser’s fee.
Survey Fee
Property boundaries and compliance cannot usually be determined without an up to date Survey Certificate. A survey is prepared by a Land Surveyor and the cost varies depending on the region. Your bank may also require that you present a survey certificate that shows exactly where the boundaries of the property are and where the buildings fall within them.
If the previous owners can’t provide this certificate, you’ll have to pay for the surveyor’s fee.
Title Insurance
Many lenders require title insurance before they will advance mortgage funds.
Title Insurance may insure the Lender and the Owner in the event of defects in title that are not readily apparent. If you wish to have further information on Title Insurance, please contact my office and I will give you the information to contact a title insurance provider so that you may discuss the limits of coverage with them.
2. Government Taxes
Property Transfer Tax
In B.C., the provincial government collects a property transfer tax that must be paid before any home can be legally transferred to a new owner.
The Property Transfer Tax (PTT) is a tax of 1% on the first $200,000, 2% on the value up to $2,000,000 and 3% of the remaining value of the purchase price.
Some buyers (including qualified first-time buyers) may be exempt from this tax.
Property Tax and Municipal Utilities
This cost catches many people by surprise.
If the current owners have already paid the city in full for the house’s yearly property tax (and utilities if billed separately), then you will have to reimburse them for your share of the year’s taxes.
GST
If the home you are purchasing is newly constructed or substantially renovated, you may have to pay 5% of the purchasing price on GST. However, there are some rebates available, depending on the value of the home.
Foreign Buyer’s Property Tax
In B.C., the government has introduced an additional 15% property transfer tax on foreign nationals, corporations, and trusts that are buying in Metro Vancouver.
The tax does not apply to Canadian citizens or permanent residents or foreigners living in Canada on a work permit.
3. Other Fees
Home Inspection Fees
While it’s not necessary to have a home inspection, it’s a good investment to make sure you don’t unknowingly become responsible for any major defects of the property.
Legal Closing Fees
During the purchase process, you will need to hire notary public or a lawyer that will review the contract and title; prepare documentation necessary for the transaction, handle the exchange of funds and register the application to transfer ownership of the property as well as secure the new mortgage. They will charge a fee for their services and disbursements for due diligence requirements. Fees vary from office to office, but are fairly consistent as there is competition is providing this service. You will hear the term “Conveyance” or “Conveyancing” which refers to this process and loosely means to convey legal title of the property from Seller to Buyer.
Land Title Registration Fee
Whenever a title is registered with B.C. Land and Survey, a small fee must be paid. Normally (but not always) this fee is paid for by the lawyer or notary public and included as a disbursement on their accounts.
Utility Bills
You may be required to reimburse the seller for any utilities (water, sewerage, garbage, recycling, drainage) paid to the city in advance.
Strata Fees
Check with the Strata to find out when your fees are due as you may have to pay them soon after you move in.
General moving costs and “Move In” Fees.
Moving house costs money. Whether you hire a moving company, or hire a truck and move yourself, you are going to have out of pocket expenses. Many Condominiums in Vancouver also have “Move In” fees. Your notary or lawyer will generally pay these on your behalf.
You may also be required to pay for connecting your new utilities in your new home.
Got more questions?
If you have any questions regarding closing costs or need assistance with your Real Estate transfer, we can help.
Contact our office for further information, for a quote on your transaction and to make an appointment for your real estate closing.
As a parent, one of the most enriching gifts you can give your kids is the gift of travel.
Travel is a fun and exciting time for children. Visiting new places and seeing different cultures opens their eyes to experience the world in a new way.
Studies have shown that travelling provides social and neurological benefits for children, and teaches them positive life lessons that can stay with them for the rest of their lives.
But before you pack their bags and take them to the airport, you might need to take care of a little extra paperwork.
Unless a child travels with both parents, a travel consent letter ensures your child will get to their destination and back without delays from authorities.
What Is A Travel Consent Letter?
Travel consent letters are documents designed to protect children from abduction and trafficking.
They demonstrate that children who travel alone, with only one parent/guardian, with friends, relatives, or groups (e.g. sports, school, musical, religious) have been given permission to travel by all of their parents (or guardians).
While Canada does not legally require that children carry a travel consent letter when travelling, it’s an asset, especially on international trips where it may be requested by:
Immigration authorities when entering or leaving a foreign country.
Airline agents.
Canadian officials when re-entering Canada.
Failure to produce a letter upon request may result in delays or refusal to enter or exit a country.
When Do You Need A Travel Consent Letter?
Travel consent letters aren’t only for minors travelling alone or with people other than their parents. If a child is travelling with only one of their parents, they should have a travel consent letter.
At any given time, Canada deals with an estimated 300 cases of parental abductions. The letter proves the legitimacy of the travel and protects the travelling parent from further investigation.
When the child is travelling with both birth parents, a travel consent letter is not necessarily needed. One should be carried following circumstances:
They are travelling with only one parent as that parent is single, separated or divorced.
They are travelling with parents who have different last names.
The parents are travelling together but will travel separately with the child for a portion of the trip.
The children are travelling alone or with a school, tour groups, sports team or social group.
The children are travelling with grandparents, other family members or friends who are accompanying children without their parents present.
What Ages Require A Travel Consent Letter?
The age requirement for a travel consent letter depends on your country of destination.
In most cases, anyone considered a minor may need a travel consent letter to enter or exit a country on their own, or with only one parent/guardian.
In some cases, that may mean anyone under the age of 21, 19 or 18.
What Destinations Require A Travel Consent Letter?
While it is common for Canadian authorities to ask for a travel consent letter to begin travel, some countries may also require one to enter or leave. Some countries are stricter than others when dealing with letters of consent.
Countries requiring travel consent letter include (but are not limited to):
Australia
Costa Rica
Germany
Italy
Malta
Mexico
Netherlands
South Africa
Spain
Poland
Portugal
USA
It’s also smart to have your travel consent letter notarized as some countries require it.
Always check with the consulate of the countries you are visiting before your child begins their journey.
What To Include On A Travel Consent Letter
According to the Government of Canada, a travel consent letter should include the following information:
Names of the children with their passport number, country of issue, place and date of birth, birth certificate number and country of birth.
Full names and contact information for each parent.
Name, passport number and relationship to the child of the adult responsible for travelling with the child.
Travel dates and details of the trip including contact information for where the child will be staying.
Signatures of the parent(s) providing consent signed in the presence of a notary public.
In general, travel consent letter are only valid for the trip in which they are used; however, they may be tailored if you take frequent short tips across the border and would still indicate a travel period, such as being valid for 1 year.
Most times a child travels without both of their parents, they will need a new travel consent letter.
Additional Travel Documentation May Be Required
It’s always important to check regulations with the consulates of countries you are visiting, as there may be stricter travel requirements.
For example, depending on the parental situation, the following documents may be required:
The long form birth certificates showing both parent’s full names.
A death certificate in the case where one parent is deceased.
The court order in the case where one parent has been denied access rights.
A court order stating the accompanying person is the child’s guardian or custodian.
An original travel consent letter translated into the language of the country being visited.
Travelling With Children Checklist
1. Determine who your children are travelling with
If it’s both their parents (or guardians) on every leg of the journey, bring birth certificates to show you are both their parents. Otherwise…
2. Contact the Consultant of the countries being visited
Find out the different types of travel documents you may be required to provide.
3. Make sure everyone travelling have their passports and appropriate visas
For peace of mind, passports should have an expiry date over 6 months away. Take photocopies that are stored in separate luggage in case they are lost or stolen.
4. Have both parents complete travel consent letters
5. For travel with adults other than the parent, consider a representation agreement
Representation agreements allow the adult to make emergency health decisions for your child on your behalf.
6. Contact Us
Most countries require the travel consent letter (and representation agreements) to be notarized. BC Notaries can help you to draft and/or sign your travel consent letter. Phone or email and we can provide a template, draft a letter and/or schedule your signing appointment.
Now that the important paperwork is taken care of, your kids can have a great trip!
