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Terms and Conditions - Purchase

All quotes are based on Virtual Meetings (Zoom/Teams/etc.) throughout Ontario or in-person in Tecumseh, Kingsville, or LaSalle, Ontario.

Included:

Legal fees, Communications with lawyer and real-estate clerks, Preparation and registration of deed Sheriff’s searches for up to 2 vendors and 2 purchasers, Teranet fees, Unity transaction fees, Preparation and registration of first mortgage from primary lender (major Canadian bank or credit union), Title search, Review of condominium status certificate (not the cost of the certificate), Required municipal/provincial government search fees, Administrative and office disbursements, Postage and up to one (1) courier fee, Third party conveyance, title, and other search or closing fees. Any other costs and disbursements that are not permitted Law Society of Ontario ‘additional’ disbursements, and PST/HST as set out above.

The above is intended to represent all fees and disbursements included on a standard single-family house purchase transaction, and in most cases represents the final amount you will pay, plus Title Insurance and Land Transfer Tax.

Not Included:

Land Transfer Tax and Title Insurance (we apply all available title insurance rebates, discounts, and counsel fees directly to your bill, to reduce your cost of title insurance). *First-time home buyers may be eligible for a Land Transfer Tax rebate.

Additional Considerations:

Some purchase transactions may require various additional fees and disbursements to complete your purchase properly. Additional fees and disbursements will be incurred on a Residential Real Estate purchase transaction for any of the following irregular situations/steps: Registrations beyond one deed or mortgage, survey ordering/review, off-title searches not required for title insurance, the cost of a condominium status certificate, mortgage insurance fees/taxes, payment for letters from creditors’ lawyers regarding similar name executions, use of secondary (non-bank/credit union) lenders, use of private lenders, mortgage guarantors, assumption/eviction of tenants, bridge financing, similar name executions, moving of closing date at your request, properties not fully registered with Land Titles, solar panel contracts, review and/or amendment of agreements of purchase and sale, split signing appointments, out-of-office signing appointments, pre/post-closing payout of debts if required by lender, postponement or deletion of security interests, more than two (2) individuals selling or purchasing, estate sales, powers of attorney, amendments to the agreement of purchase and sale (including name changes), postponements, PIN corrections, survivorship applications, any fees charged to you by a lender, broker, or agent and collected by our office, plus applicable PST/HST on all of the above.

We work hard to keep you informed every step of the way and we hate surprises. We strive to provide accurate and complete pricing information so you know what to expect.

Terms and Conditions - Sale

All quotes are based on Virtual Meetings (Zoom/Teams/etc.) throughout Ontario or in-person in Tecumseh, Kingsville, or LaSalle, Ontario.

Included:

Legal fees, Communications with lawyer and real-estate clerks, preparation of deed, preparation and registration for discharge of one mortgage from a primary lender (major Canadian bank or credit union), Law Society Levy, Teranet fees, Unity transaction fees (if any), administrative and office disbursements, third-party conveyance title and other search or closing fees, required municipal/provincial government search fees, review of municipal tax certificate (not cost of certificate), postage and up to one (1) courier fee, third-party conveyance title and other search or closing fees, any other costs and disbursements that are not permitted Law Society of Ontario disbursements, and PST/HST as set out above.

The above is intended to represent all fees and disbursements included on a standard Ontario single family home sale transaction, and in most cases represents the final amount you will pay, plus the cost of ordering a tax certificate if required.

Not Included:

Cost of ordering/obtaining municipal tax certificate (varies by municipality – disbursement only), additional document registration required to close your deal, and the cost of discharging your first mortgage where discharge fee is not covered by your lender (it usually is). If you provide current and valid municipal tax information ten (10) clear business days prior to closing, we may not be required to order a tax certificate on your behalf.

Additional Considerations:

Some sale transactions may require various additional fees and disbursements to complete your sale properly. Additional fees and disbursements will be incurred on a Residential Real Estate sale transaction for any of the following irregular situations/steps: Discharge beyond one mortgage, survey ordering/review, responding to off-title searches as may be requisitioned by the purchaser, the cost of a condominium status certificate, payment for letters from creditors’ lawyers regarding similar name executions, discharge of secondary (non-bank) lenders, discharge of private lender mortgages, transfer/eviction of tenants, bridge financing, similar name executions, moving of closing date at your request, properties not fully registered with Land Titles, solar panel contracts, review and/or amendment of agreements of purchase and sale, split signing appointments, out-of-office signing appointments, pre/post-closing payout of debts if required by lender, more than 3 individuals selling or purchasing, estate sales, liens or judgments on title or individuals, security interests/notices on title, powers of attorney, amendments to the agreement of purchase and sale (including name changes), sale by non-residents of Canada, mobile homes, postponements, PIN corrections, survivorship applications, any courier fees for charges beyond the first mortgage, any fees charged to you by a lender, broker, or agent and collected by our office, plus applicable PST/HST on all of the above.

We work hard to keep you informed every step of the way and we hate surprises. We strive to provide accurate and complete pricing information so you know what to expect.

Terms and Conditions - Refinance

All quotes are based on Virtual Meetings (Zoom/Teams/etc.) throughout Ontario or in-person in Tecumseh, Kingsville, or LaSalle, Ontario.

Included:

Legal fees, preparation and registration of first mortgage from primary lender, preparation and registration of discharge of one existing mortgage from primary lender (major Canadian bank or credit union), Sheriff’s searches for up to 2 owners, Teranet fees, Unity transaction fees (if any), title search, review of condominium status certificate, required municipal/provincial government search fees, administrative and office disbursements, postage and up to one (1) courier fee, third party conveyance title and other search fees, any other costs and disbursements that are not permitted Law Society of Ontario disbursements, and PST/HST on all of the above only.

The above is intended to represent all fees and disbursements included on a standard Ontario single family home (ie. add: $50.00 for condo, $100 for new-build, and $150.00 for duplex) refinance transaction, and in most cases represents the final amount you will pay, plus Title Insurance and the cost of ordering a tax certificate if required.

Not Included:

Cost of ordering/obtaining municipal tax certificate (varies by municipality – disbursement only), additional document registration required to close your deal, the cost of discharging your first mortgage where discharge fee is not covered by your lender (it usually is), land transfer tax if payable for any reason, and Title Insurance (we apply all available title insurance rebates, discounts, and counsel fees directly to your bill, to reduce your cost of Title Insurance).

Additional Considerations:

Some refinancing transactions may require various additional fees and disbursements to complete your refinancing properly. Additional fees and disbursements will be incurred on a Residential Real Estate refinancing transaction for any of the following irregular situations/steps: Discharge beyond one mortgage, survey ordering/review, responding to off-title searches as may be required by your lender, the cost of a condominium status certificate, payment for letters from creditors’ lawyers regarding similar name executions, discharge/preparation of secondary (non-bank) lenders, discharge/preparation of private lender mortgages, transfer/eviction of tenants, bridge financing, similar name executions, moving of closing date at your request, properties not fully registered with Land Titles, solar panel contracts, review and/or amendment of agreements of purchase and sale, split signing appointments, out-of-office signing appointments, pre/post-closing payout of debts if required by lender, more than 2 individuals refinancing, estate refinancing, liens or judgments on title or individuals, security interests/notices on title, powers of attorney, amendments to the refinancing agreement (including name changes), mobile homes, postponements, PIN corrections, survivorship applications, any courier fees for charges beyond the first mortgage, any fees charged to you by a lender, broker, or agent and collected by our office, plus applicable PST/HST on all of the above.

We work hard to keep you informed every step of the way and we hate surprises. We strive to provide accurate and complete pricing information so you know what to expect.