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Featured Listings

Listings   

1 Almejo Ave

Richmond Hill

Gorgeous,Light-Filled,2080 Sqf 3 Bd Semi-Detached Located In Rouge Woods, Quiet Street , Bright And Spacious Initially Model Home, Excellent Open Concept Design With Hardwood Flr., Oak Staircase,Gas Fireplace,Large Bedrs. On 2nd Floor With Hardwood Throughout. Master Retreat W/L...

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$1,088,000

1 Almejo Ave
3+0 Beds 3 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Rouge Woods

59 Muskox Dr

Toronto

Beautiful And Immaculate Mattamy Built Executive Home On A Premium Lot.Stunning Kitchen, 4 Bedroom Plus Den. Hardwood Floors Throughout. All Spacious Bedrooms. Interlocking Landscaping. Don,T Miss This Property In Heart Of Rouge.

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$934,000

59 Muskox Dr
4+0 Beds 3 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Rouge E11

513 - 7 Townsgate Dr

Vaughan

Don't Miss This Updated And Super Spacious Thornhill Beauty. 1546 Sq Ft One Of The Largest Units In The Building. 2 Spacious Bedrooms, Large Living/Dining Room And A Den, 2 Full Bathrooms, Laundry With Built-In Storage Closet And Locker On The Same Floor. Parking For 2 Cars, Loca...

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$729,000

7 Townsgate Dr
2+1 Beds 2 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Crestwood-Springfarm-Yorkhill

9741 Keele St

Vaughan

Spacious Renovated House For Large Family With Income Potential. Hardwood Floors Throughout. Custom Kitchen With Granite Countertop & Family Size Eating Area. Main Floor Laundry. W/O To Large Deck & Side Patio. Direct Access To Garage. Sitting Area On 2nd Floor Use As Den Or Offi...

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$1,079,000

9741 Keele St
4+1 Beds 4 Baths 2500-3000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Maple

2307 - 33 Charles St E

Toronto

1 Bedroom Suite On The 23rd Floor, Unobstructed View Of The City, Yonge & Bloor Area. Bright And Spacious Suite, With Lots Of Natural Light. Hardwood Floors. Outdoor Pool. Fitness Centre. Easy Access To Yorkville, Ttc, U Of T, And Museum.

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$2,550/Monthly

33 Charles St E
1+0 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Church-Yonge Corridor

1124 - 25 Greenview Ave

Toronto

Make This Stunning East Facing 1 Bdrm + Den Suite Your Next Home In The Highly Desired Meridian Residences. Prime North York Location, Tridel Built, Steps To Yonge & Finch Subway, Viva, Ideal Living Space For Urban Professionals. Enjoy Excellent Building Amenities*Grand Lobby,24...

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$532,000

25 Greenview Ave
1+1 Beds 1 Baths 500-599
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: Newtonbrook West

Ph 706 - 21 Clairtrell Rd

Toronto

Boutique Condo In The Heart Of North York. Breathtaking Views From Your Rooftop Terrace. Walking Distance To Bayview Village Shppng Ctr, Pusateri's, Great Restaurants/Amenities. Offering Approx. 2,500 Sqft Of Indoor/Outdoor Living Space. Impeccable Finishes & Layout Design. 2+1Bd...

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$1,729,000

21 Clairtrell Rd
2+1 Beds 3 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Willowdale East

301 - 115 Omni Dr

Toronto

Must See! Turly A Model Home. Luxury Tridel-Built. One Of The Largest Corner Units. Approx 1330 Sqft. Lots Of Upgrades Plus 2-Owned Parking And Owned Locker W/ Maintenance Fee Of 13.16/Mth. Walk To Scarborough Town Centre, Ttc, Mins To Hwy 401. Great Recreation Facilities.

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$519,000

115 Omni Dr
3+0 Beds 2 Baths 1200-1399
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: Bendale

1203 - 2152 Lawrence Ave E

Toronto

Assignment Sale, Brand New Building, Move In End Of 2019. A Plus Location, Transit, Library, Hospital, Shopping, Building, 24 Hour Concierge Service. Swimming Pool, Underground Parking, Terrace For Bbq, Large Unit, Large Balcony. Peace Of Mind Security And Safety Features.

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$498,000

2152 Lawrence Ave E
2+0 Beds 2 Baths 800-899
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Wexford-Maryvale

4509 - 832 Bay St

Toronto

Fabulous One Bedroom In The Highly Sought-After Burano Condominiums! Breathtaking City Views Of Downtown Core From Private Balcony. Floor To Ceiling Windows Allowing Abundance Of Natural Light Throughout.

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$735,000

832 Bay St
1+0 Beds 1 Baths 0-499
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Bay Street Corridor

16 Brightsview Dr

Richmond Hill

*Location Location* Humberland Area, Great Schools(Public And Separate Schools Steps Away - Cardinal Carter Catholic High School, King City Secondary School, Near Shopping, Parks & Hwys. Transit Steps Away. In-Law Suite, Family Room With Fireplace & Califoria Shutters. Family Siz...

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$779,000

16 Brightsview Dr
3+1 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Oak Ridges

1308 - 2152 Lawrence Ave E

Toronto

Assignment Sale, Brand New Building, Move In End Of 2019 Or Beginning Of 2020. A Plus Location, Transit, Library, Hospital, Shopping, Plazas, 24 Hour Concierge Service. Swimming Pool, Underground Parking, Terrace For Bbq, Large Unit, Large Balcony.

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$488,000

2152 Lawrence Ave E
2+0 Beds 2 Baths 800-899
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Wexford-Maryvale

183 Gledhill Ave

Toronto

A Remarkable Unique Urban Home W/ Exceptional Attention To Details Built By Nano Design Build. Spectacular Flow Of Natural Light Thanks To Oversized Multiple Windows, Skylights And The Courtyard In The Middle Of The House. High Ceilings With Lots Of Pot Lights. Walk To Subway An...

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$1,729,000

183 Gledhill Ave
3+1 Beds 4 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Woodbine-Lumsden

3 Longstaff Dr N

Ajax

Re Modeled, Amazing Flagstone Driveway, Walkways, Terrace. New Stucco, Renovated Open Concept, Spent Over 80K, Boasting New Hardwood Floor, Upgraded Bathrooms, Stairs,Fresh Paint, Exterior Lights, Gorgeous 12 X 22Ft Deck W/O From Dinning Rm. Kitchen With Breakfast Area. Finished ...

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$594,900

3 Longstaff Dr N
3+0 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Central

207 Chancellor Dr

Vaughan

Gorgeous East Woodbridge Detached Home. Completely Renovated From Top To Bottom. Bright Modern Kitchen Open To An Inviting Family Room And Walkout To Spacious Backyard. Professionally Finished Basement Ideal For In Law Unit With 2Br, Kitchen, Family Room And Beautiful Bathroom.

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$1,249,000

207 Chancellor Dr
4+2 Beds 3 Baths 2500-3000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: East Woodbridge

70 - 23 Eldora Ave

Toronto

Bright Condo Townhouse At Hendon Park- (Yonge And Finch). Two Bedroom W/Smooth 9' Ceilings, Stainless Steel Appliances, Natural Hardwood On Main Floor. Just Steps To The Finch Subway Station, Go, Viva, Hendon Park, Shopping And Restaurants. One Parking Spot & One Locker Included.

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$679,000

23 Eldora Ave
2+0 Beds 2 Baths 700-799
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Newtonbrook West

922 - 22 East Haven Dr

Toronto

Haven On The Bluffs, Located One Of The Cities Most Idyllic Neighbourhoods, Cornr Unit, Stunning View To Downtwn And Lake Ontaro, Fabulous 2 Bdrm And 2 Washroom Unit, Approx. 840 Sq Ft With 82 Sq Ft Balcony, Unit Equip W/ High End Bathrooms & Kitchen Finishes W/ Granite Counter T...

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$545,000

22 East Haven Dr
2+0 Beds 2 Baths 800-899
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: Birchcliffe-Cliffside

624 Lonsdale Rd

Toronto

Charming 4 Bedroom House, Main Floor Den, Walkout To Large Deck And Backyard From Kitchen, Side Entrance, Private Drive For 5 Cars. Close To Bathurst And St. Clair, Walking Distance To Shopping, Subway Transportation. Uffi On Main Floor. Tested And Found Clear Of Off Gasing. Home...

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$1,900,000

624 Lonsdale Rd
4+0 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Forest Hill South

10 Shandara Cres

Toronto

A Must See!!! Stunning Home!!!Won't Last.2 Renovated Ktchens W/Granite Counters,Backsplash,High End S/S Appliances, Ceramic Floors.2 Full Reno'd Baths, Hardwood Floors Throughout Main Floor, Open Concept, Shows 10++.Custom Built Closets In All 5 Bedrooms, New Windows And Pot Ligh...

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$959,900

10 Shandara Cres
3+2 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Wexford-Maryvale

1403 - 90 Stadium Rd

Toronto

Enjoy The Best Of City And Lakefront Living Inthis Stunning 1161 Sq.Ft 2 Bedroom + Den Condo Features 3 Walk-Out Balconies (212 Sq.Ft) With 180 Sw Lake Views. Open Concept Living/Dining, 2 Full Baths, Kitchen With Granite Counters, S/S Appliances, Large Breakfast Isle, Window Bli...

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$4,200/Monthly

90 Stadium Rd
2+1 Beds 2 Baths 1000-1199
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Niagara

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Closing Cost Overview

Closing costs, ranging from 1.5% to 4% of selling price, are the legal and administrative costs you will need to pay when your house closes. In addition to closing costs, there are other expenses and/or events that may require a cash outlay before, on or after your house closes. We will outline these in detail to ensure these often unexpected costs do not sneak up on you.


Cash outlays required before your mortgage closes

  • Home Inspection Fee. It is highly recommended that you contract a home inspection as a condition of your Offer to Purchase. A home inspector will assemble a report on the condition of the home for a fee of around $500, depending on the complexities of the inspection.
  • Deposit. A deposit that counts towards your down payment is required when you make an Offer to Purchase. The deposit may amount to 5% of the purchase price, which is the minimum down payment percentage in Canada.

Costs financed in your mortgage

Mortgage default insurance, or CMHC insurance, is not normally considered a traditional closing cost as it is added to the total mortgage you require and amortized over the life of your mortgage. I have chosen to include it here to point out the major difference between it and traditional closing costs: it does not require a cash outlay upon closing.

  • Mortgage default insurance. If you purchase a house with less than a 20% down payment, you will be required to buy mortgage default insurance, commonly referred to as CMHC insurance. This protects the lender in the case the borrower, defaults on the loan.

Mandatory closing costs covered by the home buyer

The following is a list of closing costs that are incurred by the home buyer

  • Land Transfer Tax. Calculated as a percentage of the purchase price of your home, all provinces have a Land Transfer Tax (LTT) payable on closing, with the amount varying in each province. Some cities, such as Toronto, also have a municipal LTT.
  • Legal Fees and Disbursements. You can expect to incur a minimum of $500 and may go up to $1000 (plus GST/HST) on legal fees, which account for the preparation and recording of official documents. Find a residential real estate lawyer or contact Nick Ignatiou direct for a list of real estate lawyers that his Clients have used.
  • Title Insurance. Today, most lenders require title insurance to protect against losses in the event of a property ownership dispute. This is purchased through your lawyer/notary and costs $100 - $300.
  • PST on CMHC insurance. Though CMHC insurance itself is financed through the mortgage, PST on the insurance must be paid in cash at the time of close.

The following is a list of closing costs that are incurred by some home buyers as they are only applicable to certain properties

  • Septic tank. If the house has a septic tank, it should also be tested to ensure it is in good working order. Once again, you can negotiate the cost with the previous owner and list it in your Offer to Purchase.
  • Water Tests. If the home has a well, you will want to test the quality of the water and ensure there is an adequate supply, as well if the water is potable. You can negotiate these costs with the previous owner and list them in your Offer to Purchase.
  • Estoppel/Status Certificate Fee. A certificate fee may be payable if you are buying a condominium or strata unit, and could cost up to $100.

Mandatory closing costs often covered by the lender

  • Appraisal Fee. An appraisal, which is an estimate on the value of your home, is often covered by your mortgage lender. An appraisal is performed to certify the lender of the resale value of the home in the case you default on the mortgage. The cost is usually between $250 and $350.

Other costs to consider

  • Property Insurance. Property insurance, which covers the cost of replacing your home and its contents, must be in place on closing day. This insurance is often paid in monthly or annual premiums.
  • Prepaid Utility Bills. You may need to reimburse the previous owner of your property for prepaid costs such as property taxes, utilities and so forth.
  • Property taxes. Property tax is calculated as a percentage of your home value, varies by municipality and must be paid each year. The residential property tax rate in Toronto for example is 0.83%, and on a $400,000 home, would be equal to $3,320 per year. You may need to reimburse the previous property owner if he/she has already paid property taxes for the full year. You are also given the option to set-up an automatic payment plan with your lender. Your lender will set up an account for you, collect an additional $277 per month ($3,320 / 12 months) and then pay property taxes on your behalf. Though by no means necessary, some homeowners find this service extremely valuable for budgeting purposes.

Closing Day

Closing Day is the day you finally take legal possession of your home. It's important that the bulk of your administration is completed by this point including transferring your down payment to your lawyer. Transferring down payment funds, especially from your RRSP can take time, and should be done several days before close.

On closing date, the following events will take place:

  • Your lender will provide the mortgage funds to your lawyer/notary.
  • You must provide, your down payment less the deposit, to your lawyer/notary along with the closing costs.
  • Your lawyer/notary pays the previous owner, registers the home in your name, and gives you the deed and keys to your new home.

Congratulations! You are now ready to move in.