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Featured Listings

Listings   

613 - 188 Doris Ave

Toronto Open House May 25, 2:00 pm - 4:00 pm

Absolutely Rare Find 2 Storey Loft. Built By Monarch At Prime North York Centre. Steps To Subway, Ttc Stops, Library. 24 Hrs Concierge W/ Indoor Pool, Hot Tub, Roof-Top Party Rm, Visitor Parking.

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$559,900

188 Doris Ave
1+0 Beds 2 Baths 600-699
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Willowdale East

1813 - 15 Greenview Ave

Toronto

Gorgeous 2+1 Corner Unit At Tridel's Finest Meridian Condo! Spacious And Bright. Fresh Painting, Great Layout With Split Bedrooms, Den With French Doors And Wrap Around Windows Can Be Used As 3rd Bedroom, Excellent Location. Walk To Finch Subway, Go Transit, Viva, Trendy Shops An...

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$738,000

15 Greenview Ave
2+1 Beds 2 Baths 900-999
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: Newtonbrook West

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

Address not publically available. Request address

Toronto

Quality Mcclintock Built 4+1 Bedroom And Den Home In High-Demand Bridlewood Community. Backs Onto Green Corridor Instead Of Someone Else's Backyard! 4 Bathrooms. Wood-Burning Fireplace. New Interior Doors. Crown Moulding In Bedrooms, Dining Room And Living Room. Original Hardwood...

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$1,238,000

31 Sheldonbury Cres
4+1 Beds 4 Baths
For Sale , Residential

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

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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$899,900

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

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

301 - 399 Spring Garden Ave

Toronto

Fabulous 1 Bed & Den South Facing Unit In Luxurious Boutique Jade Condo, Located Bayview / Sheppard, Short Walk To Bayview Subway Station, Upscale &Trendy Bayview Village Mall, Short Drive To 401/Dvp, 9Ft Ceilings, Wade-Planked Hardwood, Upgraded Kitchen With Caesarstone Counter ...

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$528,000

399 Spring Garden Ave
1+1 Beds 1 Baths 600-699
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Willowdale East

603 - 10 Muirhead Rd

Toronto

Gorgeously Renovated, Quiet, Sun Filled, East Facing End Unit At Tree Top Level. Enjoy Serenity Of Nature From Your Huge Open Balcony. Large Windows On Three Sides (N-E-S) Allow Abundance Of Natural Light To Enhance This Beautiful Corner Unit. Rich Laminate Floors T/Out, Updated ...

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$439,900

10 Muirhead Rd
2+0 Beds 1 Baths 900-999
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Pleasant View

602 - 2200 John St

Markham Open House May 26, 1:00 pm - 3:00 pm

Prestigious Thornhill Location. Beautiful Ascot Mansion, Low Rise Condo By Shane Bajhar. Well Maintained, Top Floor Unit With Unobstructed Park View Setting. 2 Bdrm +1 Full 4 Pc Bathroom. 1 Parking. 1 Locker +Ensuite Laundry. Updated Kitchen. 24 Hr Concierge. Maintenance Fees Cov...

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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

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

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

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

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/La...

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$988,000

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

  • Type: Residential For Sale 
  • Community: Rouge Woods

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

706 Castlemore Ave

Markham

2 Car Garage, Bright & Spacious Freehold Townhome In Sought After Markham Community. Functional Layout, Totally Renovated By Professional Designer. Open Concept Kitchen W/Quartz Countertop, Marble Backsplash & Modern Cabinets. Newly S/S Appliances, Bathroom W/Free Standing Tub & ...

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$869,000

706 Castlemore Ave
3+0 Beds 3 Baths 1500-2000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Wismer

308 - 777 Steeles Ave W

Toronto

Newtonbrook West Location, Open Concept Corner Unit, Slightly Unit 1200 Sq Ft, Laminate Floors Throughout, Split Bedroom Layout

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$569,900

777 Steeles Ave W
2+0 Beds 2 Baths 1000-1199
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Newtonbrook West

337 - 15 Northtown Way

Toronto

Luxurious Tridel Built Condo In Superb Location,Walk To Everything You Need. Subway Stations, Bus Stop,Metro Supermarket On Site, Park, School, Library, Restaurants, Shops And All Amenities.Stunning Layout With Seven Sided,Southern Exposed Windows. Open Concept Living And Dining....

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$2,500/Monthly

15 Northtown Way
2+0 Beds 2 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Willowdale East

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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.