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Featured Listings

Listings   

5 Brownspring Rd

Toronto

Solid All Brick South Agincourt Well Maint Top To Btm 4 Bdrm Home. Incldng Hardwood Flrs & Newer Wndws Throughout, Frnt & Back Sliding Drs. Cust Fam Sz Eat-In Kit. W/O To Sun Filled Back Deck From Entrtnrs Sz Liv/Din Rms. Fully Fin Lwr Lvl Rec Rm W/ Wet Bar For Fam Parties, Incld...

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$799,900

5 Brownspring Rd
4+0 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Agincourt South-Malvern West

24 York View Dr

Toronto

Turn Key Opportunity, Live In, Tear Down Or Built Up! Very Good Investment! Renovated With Taste And Mind! Built-In Dining Room Furniture, Direct Access To Deep & Beautiful Zen-Like Landscaped Back Yard. Basement Features Include Office Area, Large Rec Room Extra Bedroom, 3 Pie...

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$1,318,000

24 York View Dr
2+1 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Stonegate-Queensway

110 - 2035 Sheppard Ave E

Toronto

Prime Location. Monarch Condos In The Heart Of North York. Unit Is Actually Located On 2/F (Above Street Level). Very Practical Layout, Bright Corner Unit, Opn Concept Design W/O To 22 Sq Meter Enclosed Terrace To Entertain Or Turn Into A Zen Garden From Lvin Rm Plus Lrg Balcony ...

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$499,900

2035 Sheppard Ave E
1+0 Beds 1 Baths 500-599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Henry Farm

222 - 5 St Joseph St

Toronto

Gorgeous Bachelor Walk To 2 Subway Stations. Unbeatable Downtown Location On Yonge St, Betweeen Bloor And Wellesley. For Investor Only, Lease Secured Until August 2021. Luxurious Privacy Of A Modern Building. 99 Walk Score, 98 Transit Score. Steps From U Of T, Wellesley Or Yonge...

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$488,000

5 St Joseph St
1 Baths 0-499
For Sale , Condominium

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

4225 - 5 Sheppard Ave E

Toronto

Luxury Tridel Hullmark Condo At Yonge And Sheppard* Split Two Bedroom+Den Corner Unit With Fantastic Panoramic S/E View* Indoor Direct Access To Yonge & Sheppard Subway/ Whole Food, Rexall, Shops And Restaurants, Quick Access To Hwy 401* 24 Hr Concierge* Fabulous Facilities Inclu...

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$3,400/Monthly

5 Sheppard Ave E
2+1 Beds 2 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Willowdale East

Th272 - 15 Greenview Ave

Toronto

Executive Tidel Built Townhouse In The Heart Of North York! Freshly Painted, Brand New Custom Hardwood Fls(M/F), Quarts Counter Top, Backsplash,10Ft Ceiling Height( M/F), Fireplace, Crown Moldings, Direct Access To Two Parkings And Condo Facilities From 2/F, Huge Master Bedroom W...

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$999,000

15 Greenview Ave
3+0 Beds 3 Baths 1600-1799 0
Sold , Condominium

  • Type: Condominium Sold 
  • Community: Newtonbrook West

61 Fenelon Dr

Toronto

Opportunity Knocks! Lovingly Maintained By Current Owners For Over 20 Yrs! Raised Bungalow In Desirable Parkwoods Community.This Former 4Bed (Ez Converted) Offers Spacious Floorplan W/Hardwood T/O.Quaint Sunfilled Eat In Kitchen.Bsmt Boasts 2 Sep Entrances,Huge Windows,Wood Burni...

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$810,000

61 Fenelon Dr
3+1 Beds 1 Baths
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: Parkwoods-Donalda

66 Royalavon Cres

Toronto

A Contemporary Work Of Art In One Of The Most Affluent Neighborhoods. Approx 5,850 Sq Ft Of Living Space- One Of The Deepest Lot In The Area. Impeccable Details & A Stunning Floor Plan With No Wasted Space. Sparing 12' Ceilings. 4 Fireplaces And Outside Fire Pit. Top Of Line Jenn...

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$2,998,000

66 Royalavon Cres
5+0 Beds 6 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Islington-City Centre West

8 Deacon Lane

Ajax

Prime Location. Perfect Starter Home Of For Those Looking To Downsize**. 3 Bedroom And 3 Washroom Town-Home In Desirable Ajax Community.This Family Friendly Home. Beautiful Gas Fireplace In Cozy Living Room, Close To Hospital, Shopping Centres, Bus Transit, Walking Distance To Th...

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$529,900

8 Deacon Lane
3+0 Beds 3 Baths 1000-1199
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: South East

17 Ravenhill Cres

Markham

Detached Home In Quiet High Demand Area On Large Lot With Pond And Shed In Garden, Hardwood Throughout (Under Existing Carpet).Main Floor Laundry Room Finished Walkout Basement With Large Open Recreation Area With Wet Bar, Kitchen And 4 Pc Bath. Oversized Double Garage. Extended ...

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$1,749,900

17 Ravenhill Cres
4+1 Beds 4 Baths 3500-5000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Milliken Mills East

Ph12 - 711 Bay St

Toronto

The Liberties, A Wonderfully Located Penthouse Condominium In The Heart Of Toronto. Sun-Filled, South Facing Bachelor + Solarium, Which Can Be Used As A Bedroom. Conveniently Located W/Easy Access To College Park Mall, Loblaw's, Metro, Subway, Streetcar, Eaton Centre. Walk To U O...

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$1,950/Monthly

711 Bay St
1+0 Beds 1 Baths 500-599
For Lease , Condominium

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

105 Wyndcliff Cres

Toronto

Great Family Home,Gorgeous View Backing On Park.Sloane Bus To Woodbine Stn, Future Light Train To Yonge Line.Local Tennis Courts&Conservation Area.No Work Needed,Rdy 2 Move In.Spacious Bdrms,Excellent Closet Space,High Quality Fixtures&Appls.Hrdwd&Marble Flrs,Marble&Granite C'top...

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$1,199,000

105 Wyndcliff Cres
3+0 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Victoria Village

602 - 80 Charles St E

Toronto

Executive One Bedroom Condo, Fully Furnished, In The Historic Waldorf Astoria Hotel! Tastefully Decorated, This Lovely Suite Is Perfect For Visitors Or Business Persons Coming To The City And Looking For A Clean And Professional Space. Located Steps To Bloor St,Yonge St., Yorkvil...

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$2,350/Monthly

80 Charles St E
1+0 Beds 1 Baths 500-599
For Lease , Condominium

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

1008 - 1 Michael Power Pl

Toronto

Furnished 1 Bdrm+Spacious Den. Located In The Heart Of Etobicoke Trendy Islington Village. 9 Foot Smooth Ceilings, Open Concept, Kitchen With Eat-In Quartz Countertops, Filtration System Upgraded Backslash, Engineered Hardwood Flooring Throughout. Overlooking South West View, Bal...

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$2,350/Monthly

1 Michael Power Pl
1+1 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Islington-City Centre West

704 - 15 Lower Jarvis St

Toronto

Brand New Never Lived In Unit At Daniels Lighthouse West Tower. One Bedroom With Floor To Ceiling Windows & Big Balcony, Open Concept Kitchen/Living Room Layout, Laminate Flooring All Over, Close To Gardiner, Walk From George Brown College, Loblaws, Ttc, St Lawrence Market, Water...

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$2,000/Monthly

15 Lower Jarvis St
1+0 Beds 1 Baths 0-499
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Waterfront Communities C8

4225 - 5 Sheppard Ave E

Toronto

Welcome To Iconic Hullmark Center By Most Trusted Builder Tridel, Rarely Available High Level Se Facing 2+1 Den With Gourmet Kitchen, 9' Ceiling, Almost 1,000Sf Space, Huge Wrap-Around Window/Balcony Bring Abundant Natural Light With Breathtaking Views, Freshly Painted, Absolute ...

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$1,098,800

5 Sheppard Ave E
2+1 Beds 2 Baths 900-999
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Willowdale East

4 Sun Ave

Toronto

Multi-Generational Home Built With The Times In Mind. Every Floor Has Separate Heating Cooling Fresh And Hepa Filter, Separate Ac Panel, Separate Entrances. Whether You Have A Mother-In-Law Son In Law Brother In Law Or A Big Family This Is Built Exactly For That. Or You Can Enjoy...

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$1,699,000

4 Sun Ave
5+2 Beds 3 Baths
For Sale , Residential

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

4003 - 85 Queens Wharf Rd

Toronto

One Bedroom + Den, Open Concept, High Floor , Clear Lake View Best Exposure In Building , In High Demand Downtown Toronto. Den Can Be Used As Second Bedroom .Lots Of Natural Light With South View. Great Amenities Inc Indoor Pool, Hot Tub, Basketball Crt, Gym, Yoga, Rooftop Garden...

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$2,500/Monthly

85 Queens Wharf Rd
1+1 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Waterfront Communities C1

206 - 801 Lawrence Ave E

Toronto

Stunning 2 Bed+2 Bath Condo In In The Highly Desired Neighborhood Of Banbury-Don Mills! 4-Storey Building Built By Shane Baghai. Crown Molding Throughout. Across From Edwards Garden And Short Walk To Don Mills Trail, Banks, Shoppers Drug Mart, Restaurants, Library & Shops At Don...

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$728,800

801 Lawrence Ave E
2+0 Beds 2 Baths 1000-1199
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: Banbury-Don Mills

601 - 591 Sheppard Ave E

Toronto

Brand New Condo Beautiful Open Concept Suite (Bayview Viliage.) Boutique Building. Clear 6th Flr View (East), Lots Of Light/ Granite Countertop In Kitchen. Brand New Stainless Steel Appliances. Engineered Flooring. Walking Distance To Bayview Sheppard Subway, Bayview Village Mall...

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$1,875/monthly

591 Sheppard Ave E
1+0 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Bayview Village

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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.