Buying a Home
We guide buyers from accepted offer to keys in hand. We review your agreement of purchase and sale, search title, work with your lender, arrange title insurance and register the transfer on closing day. All clients get a clear walkthrough of land transfer tax, rebates and closing costs.
Discuss Your PurchaseThe closing costs
Our legal fee
$1,300 + HST
Flat fee for a standard residential purchase: title search, mortgage and closing documents, and registration on closing.
Land transfer tax
0.5% – 2.5%
Paid to the province on a sliding scale by purchase price. In Toronto, the municipal land transfer tax doubles the tax payable in almost all transactions.
First-time buyer rebate
Up to –$4,000
A refundable credit for eligible first-time buyers, applied against the land transfer tax owing. It lowers your total, not adds to it.
Title insurance
Varies by value
Generally $300 to $600, with higher-priced homes at the upper end. Usually required by your lender.
Disbursements
≈ $500
Amounts we pay to third parties on your behalf, such as government registration fees, title search, software and courier charges. Billed at cost on top of the legal fee.
Example: $700,000 resale home
Total before adjustments
≈ $13,010
Legal fee + HST $1,469, land transfer tax $10,475, title insurance $566, disbursements $500.
This gives you an estimate of your closing costs, expenses, and the remainder of the down payment you will need to send us on closing.
Common questions
When is land transfer tax paid?
On closing. We collect and remit it with your funds.
How do I pay my closing costs?
Into our trust account a day or two before closing.
Can a first-time buyer save?
Yes. The rebate takes up to $4,000 off the land transfer tax.
General information only, not legal advice. Rates and figures current as of July 2026.
Selling Your Home
We handle the legal side of your sale so closing day runs smoothly. That includes reviewing the agreement, discharging your mortgage, preparing the closing documents and making sure the sale proceeds reach you.
Discuss Your SaleThe closing costs
Our legal fee
$1,000 + HST
Flat fee for a standard residential sale: reviewing the agreement, preparing the deed and closing documents, answering the buyer's requisitions, and transferring title.
Expenses
≈ $150
Out-of-pocket expenses billed at cost: title searches, software and courier charges. Your total legal cost is typically about $1,280 all-in.
Mortgage payout
From proceeds
We request a payout statement, pay the mortgage from your sale proceeds on closing, and follow up to make sure your lender discharges it.
Agent commission
Per your listing
Set by your listing agreement, plus HST, and paid directly from the sale proceeds on closing, so nothing is owed up front.
Documents we'll need
Your ID, contact and banking details; your mortgage number; your most recent property tax bill; and any rental contracts for items like a hot water tank, furnace or alarm.
Common questions
What happens to my mortgage?
We pay it from the proceeds; your lender then discharges it.
Who notifies the utilities?
You do. Give hydro, gas and water your move-out date.
When do I get my money?
On closing day, or occasionally the next business day.
General information only, not legal advice. Rates and figures current as of July 2026.
Mortgage Refinancing
Refinancing, switching lenders or adding a line of credit? We coordinate with your lender, pay out the existing mortgage and register the new one, with clear updates throughout.
Discuss Your RefinanceThe closing costs
Our legal fee
$1,000 + HST
Flat fee for a standard residential refinance: reviewing your lender's instructions, preparing the mortgage documents, signing, and registering the new mortgage on title.
Title insurance
$200 – $500
Your lender's title insurance policy, based on your mortgage amount. A new policy is required each time you refinance.
Other expenses
$100 – $200
A brief title search, registration and courier charges. A status certificate may also be required for a condominium.
Existing mortgage
From advance
If you're switching lenders, we request a payout statement and pay your old mortgage from the new funds, then confirm it is discharged.
Your net funds
On closing
Once the new mortgage is registered and any payouts are made, the balance of the advance is deposited to you, usually on closing day.
What we'll need
Your ID, contact and banking details; your mortgage number; your most recent property tax bill; and proof of home insurance for your new lender.
Common questions
What happens to my old mortgage?
We pay it from the new funds; your old lender discharges it.
Do I need title insurance again?
Yes. Your new lender requires a fresh lender policy.
When do I get the funds?
Usually on closing day, once your lender advances.
General information only, not legal advice. Rates and figures current as of July 2026.
Commercial Real Estate
We act for businesses and investors on the purchase, sale and financing of commercial property, including offices, retail, industrial and mixed-use buildings. We review agreements, coordinate due diligence and manage the closing.
Discuss Your Commercial TransactionOur fee
Our legal fee
Starting at $2,500
Plus HST and expenses, for a commercial purchase or sale.
What we handle
Purchases and sales
Reviewing and negotiating the agreement of purchase and sale, conditions and deposits, and closing for buyers and sellers.
Due diligence
Title, zoning and permitted use, work orders and outstanding charges, and a review of existing leases and tenant estoppel certificates.
Commercial financing
Acting for the borrower or the lender on commercial mortgages, including the commitment letter, security and guarantees.
Business purchases with real estate
Asset or share purchases where land or a building is part of the deal, coordinated with the corporate side.
Closing and registration
Adjustments, registration of the transfer and mortgages, and post-closing reporting.
What we'll need
The agreement or offer, corporate details of the buyer or seller, existing leases and financing documents, and any lender commitment letter.
Private Mortgages and Lending
We act for private lenders and borrowers on private mortgages. We prepare and register the mortgage documents, review title and security, and help structure loans that protect your interests.
Discuss Private LendingOur fee
Our legal fee, when acting for a lender
Starting at $2,500
Plus HST and expenses.
What we handle
Acting for private lenders
Reviewing the loan terms and the borrower, preparing the mortgage documents, and registering the security in the right priority.
Acting for borrowers
Reviewing the commitment and explaining the cost of borrowing, term, default and renewal provisions before you sign.
Title, priority and security
Checking title and existing charges, where the mortgage will rank, and any guarantees or other security.
Documents and registration
Preparing the charge and related documents and registering them on title, signed in person or virtually.
Renewals and discharges
Renewals, amendments and discharges when the loan is repaid, with confirmation that the discharge is registered.
What we'll need
ID and contact details, the commitment or term sheet, the property details and any existing mortgages.
We’ve heard
Customer Testimonials
FAQs
As early as possible, ideally before you sign an agreement of purchase and sale or as soon as your offer is accepted. Early review leaves time to spot issues and meet conditions.
Typical costs include land transfer tax, legal fees, title insurance, registration fees and adjustments for property taxes and utilities. We give you a clear estimate up front.
Yes. We act on commercial purchases, sales and refinances, as well as residential transactions.
Yes. We can act for lenders on mortgage and refinance transactions, subject to conflict checks.