What Is Probate in Ontario? A Plain-Language Introduction

What Is Probate in Ontario? A Plain-Language Introduction

When someone dies in Ontario, the people looking after the estate often hear the word “probate” for the first time. This article explains what probate actually is, when it is commonly required, and what an estate trustee typically has to do.

What probate means

In Ontario, “probate” is the everyday name for a court process that confirms who has authority to administer an estate. The court issues a document called a Certificate of Appointment of Estate Trustee. If there is a will, the certificate also confirms that the will presented to the court is the deceased person’s valid last will.

The person named to administer the estate is called the estate trustee (many people still say “executor”). The certificate is the proof that banks, the land registry and other institutions often ask for before they release or transfer the deceased person’s assets.

When probate is commonly required

Whether probate is needed depends mostly on what the deceased owned and how it was held. Probate is commonly required when the deceased owned real estate in their name alone, or when a financial institution holding significant accounts asks for a certificate before releasing funds. Each institution sets its own requirements, so the answer can differ from bank to bank.

When probate may not be needed

Some assets can pass outside the estate — for example, assets held jointly with a right of survivorship, or accounts and policies with a valid beneficiary designation. Small or simple estates sometimes proceed without probate if every institution involved agrees. Ontario also has a simplified process for smaller estates. Because these situations turn on the details, it is worth confirming the position before assuming probate can be skipped.

Estate administration tax

When an estate applies for probate, Ontario charges estate administration tax, calculated on the value of the assets covered by the certificate. An estate information return also has to be filed with the province after the certificate is issued. The current rates, thresholds and deadlines are published by the Ontario government.

What an estate trustee typically does

An estate trustee’s work usually includes locating the will, listing assets and debts, applying for probate where needed, notifying beneficiaries, paying debts and taxes, keeping careful records, and distributing what remains according to the will — or, where there is no will, according to Ontario’s intestacy rules. The role carries real legal responsibility, and trustees are accountable to the beneficiaries.

Where legal help fits in

Some estates are straightforward; others involve unclear wills, family disagreements or assets that are hard to value. Mida Law helps estate trustees and families understand the steps — the probate and estate administration page describes this work, and the wills and estates page covers planning ahead, including Islamic wills. If you are handling an estate and want guidance, you can request a consultation.