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Featured Listings

Listings   

213 Timberbank Blvd

Toronto

The One You've Been Waiting For! Perfect Locat In Beaut. Family Neighborhood! Move Right In! Home Has It All, Incl. Magnificent Master W/Endless Space, 7 Bdrms,4 Bthrms & 2 Eat-In Kits! Sep. Side Ent. To Complete Liv. Quarters. Perfect Place To Live, Relax & Entertain W/Out Leavi...

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$1,178,888

213 Timberbank Blvd
4+3 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: L'Amoreaux

2609 - 5 Northtown Way

Toronto

Live In Prestigious North York Area! Bright & Spacious 1700 Square Feet, Huge Master Bedroom With Sitting Area And En Suite! Magnificent Building Offers All Luxury Amenities - Close To Hwy's And Everything Toronto Has To Offer. Don't Miss Out On This Opportunity. Condo Has Direct...

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$949,000

5 Northtown Way
2+1 Beds 3 Baths 1600-1799
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Willowdale East

7 Helen Ave

Vaughan

Welcome To The Prestigious 7 Helen Ave, One Of The Most Sought After Streets In The Area. This Beautiful 100 Ft South Facing Lot, Boasts 7200 Sq Ft Of Total Living Space. It Is Conveniently Located Mins Away From Hwy 407 & 404, Ttc, Go Train, Some Of The Finest Golf Courses And M...

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$3,988,888

7 Helen Ave
5+1 Beds 6 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Uplands

65 Frater Ave

Toronto

Fabulous Two Bedrooms Bungalow In The Danforth Village Neighbourhood. New Roof, New Addition Mudroom W/ Sky Light. Beautiful Backyard W/ A Big Shed, A Short Walk To Transit, Farmers Market, Shops And Restaurants. Appointments Between 9Am To 8Pm Everyday.

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$2,800/Monthly

65 Frater Ave
2+0 Beds 1 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Danforth Village-East York

405 - 2119 Lake Shore Blvd W

Toronto

Breathtaking Waterfront Condo, Featuring 800 Sq Ft Living Area, Plus 54 Sq Ft Terrace W/Panoramic View Of Toronto City Skyline, Parks And Lake Ontario. *5 Star Amenities Gym, Spa, Pool, Theatre, Golf Sim, Cyber Lounge, Guest Facilities. Sky Lounge, Minutes To Down Town Toronto, P...

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$545,000

2119 Lake Shore Blvd W
1+1 Beds 2 Baths 800-899
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Mimico

1121 - 320 Richmond St E

Toronto

1 Bdrm Unit W/Blcony & 2Walk-In Closet @The Modern Building, Be Surrounded By Young Professional, Hardwood Floor Throughout,Open Concept ,Inviting Foyer W/Walk In Closet,Combined Living And Dining W/Sliding Door To Big Balcony East/South View, Bdroom With Huge Walkin Closet Appro...

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$1,999/Monthly

320 Richmond St E
1+0 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Moss Park

62 Oakford Dr

Markham

Gorgeous Semi In Prestigious Cachet Community, Built By Aspen Ridge. Excellent Lay Out With Cathedral Ceiling, Solid Oak Staircase, New Quartz Kitchen Counter Top, Maple Hardwood On Main Floor And Quality Laminate Flooring On 2nd Floor And Basement. No Carpet. Generous Room Sizes...

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$985,000

62 Oakford Dr
3+0 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Cachet

1933 - 7161 Yonge St

Markham

World On Yonge By Liberty Development. 1 Bedroom + Den, 1 Underground Parking Space. Stainless Steel Appliances, Open Concept 9 Foot Ceiling. North West View, 622 Sq Ft + 40 Sq Ft Balcony. Granite Kitchen Countertop, State Of The Art Facilities. Indoor Pool, Fitness Room, Theater...

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$1,975/Monthly

7161 Yonge St
1+1 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Thornhill

8301 Kipling Ave

Vaughan

Desirable Exec Living In This Fully Furnished Rarely Offered End Unit Townhome. No Details Missed. This Grand Gem Boasts Many Custom & Tech Finishes To Create A Masterpiece That Equals Comfort. Fall In Love W/This Home Every Day. Filled W/Natural Light. Elegant Kit W/ W/O To Excl...

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$905,800

8301 Kipling Ave
3+1 Beds 3 Baths 2000-2500
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: West Woodbridge

505 - 39 Oneida Cres

Richmond Hill

Stunning 2 Bdrm South Facing Condo! (Splitlayout) Located In Richmond Hill, Yonge And Hwy 7! Features Lrg Master Bdrm, 2 Oversized Parking Spots And Locker! Steps To Langstaff Go-Station And Hwy 407! Shops, Cafes, Across The Street! Elementary School, Movie Theatres, Large Park ,...

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$2,200/monthly

39 Oneida Cres
2+0 Beds 1 Baths 700-799
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Langstaff

229 Village Wood Rd

Oakville

Location, Location ,Location. Upgraded 3+1 Detached In Quiet Fam. Court By Bronte Harbour! Across From Village Wood Park & Trails! Steps To Lake+ Village Shops You Will Be Impressed W/ Great Curb Appeal & Aggregate Double Deep Drive/Walkway/To The Brand New White Granite Kit. Loa...

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$2,800/monthly

229 Village Wood Rd
3+1 Beds 4 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Bronte West

117 Stather Cres

Markham

Absolutely Gorgeous Home For An Extended Family. Main Floor Kitchen Renovated In 2012. Kitchen Has Granite Counter. Second Floor Fully Renovated Nov. 2015 With Hardwood Floor And New Window. Breakfast Area With W/O To A Very Large Deck For Party Lovers. This Is Your Rec Room Wit...

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$979,900

117 Stather Cres
4+2 Beds 4 Baths 2000-2500
Sale Pending , Residential

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

375 - 314 John St

Markham

Luxury 2 Bdrm Townhome In 'Old Thornhill Village'. Newly Reno Gourmet Kit W/Quartz Counter Tops & Custom Bcksplsh. New Custom Light Fixtures & Laminate Flring T/O. Bathrms Have Been Reno W/ Cultured Marble Countertops. Brand New Pax Wardrobe In Mstr Bdrm. Freshly Painted T/O. Be...

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$629,800

314 John St
2+0 Beds 3 Baths 1200-1399
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Aileen-Willowbrook

306 - 15 Rean Dr

Toronto

Location, Location, Location! Excellent Walk (74) & Transit (71) Score. Bayview Manor By Daniels. 1417 Sq Ft Of Comfort. Open Concept Kitchen/Living/Dining, Perfect For Entertaining. Pull Back The Shutters & Enjoy South Facing View Of The Park. Easy Access To 401/Dvp/404.Walking ...

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$925,000

15 Rean Dr
2+1 Beds 2 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Bayview Village

37 Goodwood Park Cres

Toronto

Turn Key Charmer On Massive Lot In Great Location! Old Meets New In This 1 1/2 Storey Home With Extensive Upgrades Throughout! Potential Rental Income Or In-Law Suite! High Ceilings, Large Windows In Principal Rooms, Lovely Original Baseboards And Trim, New Laminate Flooring, 200...

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$699,000

37 Goodwood Park Cres
2+1 Beds 2 Baths 700-1100
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Crescent Town

501 - 1135 Logan Ave

Toronto

Beautiful West Facing Unit In A Boutique Building. Only 6 Units Per Floor. Fridge And Bbq On Balcony, Large Locker, Party Room And Sauna On Main Floor. Close To Greektown, Parks, Schools, Shopping, Downtown, Transportation, Subway, Nice Neighborhood, Spacious Open Balcony Overloo...

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$660,000

1135 Logan Ave
3+0 Beds 2 Baths 1200-1399
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: East York

503 - 130 Neptune Dr

Toronto

South Facing Two Bedroom Unit, Enclosed Balcony (Can Be Converted Back To Open). Lots Of Storage Space, Large Living, Dining Space And Eat In Kitchen, En-Suite Storage With Water Line Hook Up For Laundry, Built Ins And Walk In Closet In Master Bedroom. Convenient Location To Ttc...

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$438,000

130 Neptune Dr
2+0 Beds 2 Baths 1000-1199
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Englemount-Lawrence

1107 - 65 Skymark Dr

Toronto

Location! Beautiful Open Concept W/Breathtaking Views! Stunning Apt Updated To Perfection! Maintained W/ Pride! Approx.1500Sqft. Quartz Counter Top In Kit & B/R's, Marble Shower & Flrs In Mstr B/R. His/Her W/I Closet. Extra Rm For 2nd B/R Or Office/Flex Space. Tons Of Great Ameni...

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$659,000

65 Skymark Dr
1+1 Beds 2 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Hillcrest Village

15 Florist Lane

Toronto

Beautiful End Unit Townhouse, Shows Like A Semi! Neutral Colours Throughout, Pride Of Ownership. Open Concept Energy Star Home With A 9 Ft Ceilings In Living, Dining And Kitchen. Garage Entrance From House. Professional Landscaped Enclave. Common Fee Of $182.12 Includes Snow Rem...

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$554,800

15 Florist Lane
2+1 Beds 2 Baths 1100-1500
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: West Hill

2201 - 5 Old Sheppard Ave

Toronto

Beautifully Renovated, Sun Filled 3 Bedroom Sub-Penthouse Cono With Amazing S/East View And Rare 2 Full Washrooms! (3 Pc Ensuite) Rich Laminate Floors, Designer's Paint, Eat-In, Renovated Kitchen With Window, Over Sized Laundry W/Extra Storage, Renovated Washrooms W/Pot Lights, W...

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$449,900

5 Old Sheppard Ave
2+1 Beds 2 Baths 1000-1199
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Pleasant View

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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.