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Featured Listings

Listings   

1712 - 330 Alton Towers Circ

Toronto Hot New Listing

Exceptional Unit With Designer Renovation W/2 Bedrms Plus Solarium, Executive Corner Unit With Oversized Balcony! Bright, Functional Layout, Split Bedrms W/Ensuite Bathrm., Features Top Quality Finishes Throughout Including Upgraded Kitchen (Lots Of Storage), Quartz Countertop, L...

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$499,000

330 Alton Towers Circ
2+1 Beds 2 Baths 1200-1399
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Milliken

#348 - 16 Elgin St

Markham Hot New Listing

Well Maintained, Clean, Big Beautiful Top Level 3 Bedrooms, 2 Bathrooms, 2 Storey Condo - Feels Like A Townhouse. Fantastic Layout & Floor Plan Maximizes Your Living Space. Walkout To Two (2) Private Terraces With Bbq's Allowed! Overlooking Quiet Tree Line And Park Like Setting. ...

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$479,000

16 Elgin St
2+1 Beds 2 Baths 1000-1199
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Thornhill

44 Silas Hill Dr

Toronto Great Investment

Welcome To This Classic Largest Layout (1839 Sqft) Fam Home W/ Invt Marble Step Entr. 4 +1 Bdrms, Galley Fam Size Eat-In Kitch (Ceramic), Living Rm & Din Rm W/Hdwd Flrs, 3 Bdrms Upstrs W/Mstr Updated 4 Pc Ensuite. Main Flr Fam Rm With Wd Burning Frpl, With 4th Bdrm & Powder Rm. S...

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$1,058,000

44 Silas Hill Dr
4+1 Beds 3 Baths 1500-2000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Don Valley Village

37 O'meara Crt

Toronto Just Listed

Must See This Spectacular Custom Home Boasting Thousands In Quality Upgrades & Finishes W/2 Car Garage W/Entrance To Home, 5+1 Bdrm, Master Bdrm W/ En-Suite Bath, W/I Closet. Majestic Soaring Entrance W/ Beautiful Staircase, Elegant Dining & Liv Rm, Updated Modern Chef Size Kitch...

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$1,638,000

37 O'meara Crt
5+1 Beds 4 Baths 3500-5000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Don Valley Village

912 Greenwood Ave

Toronto

East York Well-Maintained Home 2-Storey Semi-Detached Brick House W/ 3 Bdrms, 2 Washrooms, Mutual Driveway, Detached Garage Close To All Amenities, Walk To Subway, Shopping, Schools, Parks, Danforth Ave. Newer Heating And Air Condition, Walkout From Kitchen To Patio And Walkout B...

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$1,039,000

912 Greenwood Ave
3+0 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Danforth

533 - 22 East Haven Dr

Toronto

Haven On The Bluffs, Brand New Condo Unit Located On The 5th Floor. Minutes To Downtown Toronto, Prime Location, Upgraded Kitchen And S/S Appliances, Steps To Ttc, School, Shopping Ctre And Lake. Must See.

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$1,900/Monthly

22 East Haven Dr
1+0 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Birchcliffe-Cliffside

10 Shandara Cres

Toronto

A Must See!!!! Stunning Home!!! Won't Last.2 Renovated Kitchens 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 L...

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$949,900

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

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

1616 Alwin Circ

Pickering

Lovely End Unit Freehold Townhome. Like A Semi! In High Demand Heart Of Pickering, Close To All Amenities. Parks, Schools, Transit, Hwy 401, Shopping, Go Train! Spacious Entry. Bright & Open Concept! Gleaming Laminate Flrs! Cozy Fireplace & W/O To Yard. Carpet On Stairs, Upper La...

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$499,000

1616 Alwin Circ
3+2 Beds 3 Baths
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: Village East

45 Leacock Cres

Toronto

Executive Newly Upgraded 4Br,4Bath Residence In Prime York Mills Location.W/O To Professionally Landscaped Spacious Backyard W In Ground Large Salt Water Swimming Pool.Short Walk To Denlow Ps,Windfields Jr High &York Mills Collegiate.Short Drive To Several Prestigious Private Sch...

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$4,990/Monthly

45 Leacock Cres
4+0 Beds 4 Baths 2000-2500
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Banbury-Don Mills

602 - 2200 John St

Markham

Prestigious Thornhill Location. Beautiful Ascot Mansion, Low Rise Condo By Shane Baghai. Well Maintained, Top Floor Unit With Unobstructed Stunning South West Park View. 2 Bdrm +1 Full 4 Pc Bathroom. 1 Parking. 1 Locker +Ensuite Laundry. Updated Kitchen. New H/W Flrs, B/I Cabinet...

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$449,900

2200 John St
2+0 Beds 1 Baths 800-899
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: German Mills

25 Locust Lodge Gdns

Toronto

Overlooking Park. Double Car Garage . Townhouse Built By Mattamy Homes In Downsview Park. 9 Ceilings, Large Windows, Updated Open Concept Kitchen. With Walkout To Terrace, Quarts Countertop, Stainless Steel Appliances. Finished Basement With Heated Floor. Built-In Fireplace. Perf...

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$838,000

25 Locust Lodge Gdns
3+1 Beds 4 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Downsview-Roding-CFB

702 - 7 King St E

Toronto

Spacious Bachelor In Downtown Toronto, Yonge And King, Financial District. Unbeatable Location!! Steps To King Subway Station. Walk To All Amenities, Entertainment District, Universities/Colleges, Eaton Centre, St Lawrence Market, St Michael Hospital, Etc. Quiet Residential And L...

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$1,950/Monthly

7 King St E
1 Baths 0-499
For Lease , Condominium

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

55 Dennett Dr

Toronto

Stunning 2-Storey Luxury Home In Upscale Agincourt Neighbourhood! 3300 Sqft Plus 1600 Sqft Finished Walk-Up Basement. 4 Bedrooms With Private Ensuite In Each Bedroom. Coffered Ceilings In Entire Main Floor And All Bedrooms With Quality Trim-Work Throughout The House. Gourmet Kitc...

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$2,249,999

55 Dennett Dr
4+1 Beds 6 Baths 3000-3500
For Sale , Residential

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

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

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

2407 - 15 Greenview Ave

Toronto

Tridel Meridian Luxury Unit. Steps To Finch Subway, 24 Hrs Concierge, One Parking, One Locker And 6 Appliances.

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$2,750/monthly

15 Greenview Ave
2+0 Beds 2 Baths 800-899
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Newtonbrook West

8 Alder Rd

Toronto

Stunning 50' X 174' Lot, Nestled Away In One Of The Most Sought After Streets In Parkview Hills!! Dead-End Street! Surrounded By Ravine, Hiking & Bicycle Trails, Enjoy Rural Living In Urban Setting! This 2 Storey Brick Home With Attached Garage, Features 3 Bdrms, 2 W/R, 2 Walk-O...

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$1,599,000

8 Alder Rd
3+0 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: O'Connor-Parkview

81 Trethewey Dr

Toronto

Outstanding Location Bright Spacious Bungalow 2+2 On 50 Ft Wide Lot With Sep Entrance To 2 Bed Bsmt( For Income Or In-Law Suite)+Eat-In Bsmt Kitchen In Very Exclusive Quiet Neighborhood, Solarium To Enormous Private Back Yard, Minutes Drive To Hwy 400 & 401 And Minutes Walk To Tt...

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$789,000

81 Trethewey Dr
2+2 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Beechborough-Greenbrook

109 - 39 Galleria Pkwy

Markham

Upgraded, Spacious And Bright South Facing Unit In Luxurious Parkview Tower. New Wood Laminate Flooring Throughout (2018) No Carpet. Updated Open Concept Kitchen (Renovated In 2018) W/Granite Counter Top & Centre Island, Modern Back Splash (2018). Upgraded Washroom (2018). Parkin...

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$439,980

39 Galleria Pkwy
1+0 Beds 1 Baths 600-699
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: Commerce Valley

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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.