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Featured Listings

Listings   

1801 - 31 Bales Ave

Toronto

Spacious And Bright Unit With Unobstructed S/W Views, 2 Separated Bedrooms, Master Has Ensuite Bath & Walk In Closet, Den Can Be Used For 3rd Bdr Or Office, Laminated Floors Throughout, Steps To Subway, Whole Food, Banks, Sheppard Centre, Parks And Much More, Easy Access To Hwy 4...

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$3,000/monthly

31 Bales Ave
2+1 Beds 2 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Willowdale East

2502 - 88 Scott St

Toronto

Luxurious 88 Scott Condo In The Heart Of The Financial District And The Historical St. Lawrence Neighbourhood. Bright And Spacious 743 Sqft Two Bedroom Corner Unit With High Quality Finish And Appliances. Steps To King Station, St. Lawrence Market, Berczy Park, Harbourfront, Acc,...

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$2,900/Monthly

88 Scott St
2+0 Beds 1 Baths 700-799
For Lease , Condominium

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

1005 - 350 Seneca Hill Dr

Toronto

This Stunning Condo Located In The Popular Crestview Place Condos Of Don Valley Village. This Luxury Unit Features 2 Bdrms, Modern Kitchen With Quality Appliances, Open Concept With Granite Counters And Center Island. West Facing Balcony With Great View. Close Proximity To Seneca...

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$2,500/Monthly

350 Seneca Hill Dr
2+0 Beds 1 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Don Valley Village

202 - 801 Lawrence Ave E

Toronto

The Edwardian Built By Shane Baghai. This Bright Corner 2 Bedroom With S.E. Exposure. Overlooking Landscaped Grounds. Freshly Painted. 9' Ceilings, Hardwood Flrs Thru-Out, Granite Kitchen Counter Tops, Granite Foyer Flrs, Crown Mouldings, California Shutters Thru-Out, French Door...

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$2,900/Monthly

801 Lawrence Ave E
2+0 Beds 2 Baths 1000-1199
For Lease , Condominium

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

1403 - 62 Forest Manor Rd

Toronto

Corner Unit With A View Of All Directions. Across Fairview Mall And Subway. Ttc At The Door. Easy Access To 403/401, Schools, Library, Church And Grocery. All At Your Convenience. Very Bright Unit With Granite Counter-Top. You Couldn't Ask For A Better Location. Tenant To Pay For...

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$2,600/Monthly

62 Forest Manor Rd
2+0 Beds 2 Baths 800-899
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Henry Farm

308 - 2152 Lawrence Ave E

Toronto

Brand New Condo, Never Occupied, New Kitchen With Granite Countertop, 24 Hour Concierge, Amazing South West View To Toronto Downtown And The Cd Tower From The Balcony And Many More.

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$2,150/Monthly

2152 Lawrence Ave E
2+0 Beds 2 Baths 700-799
For Lease , Condominium

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

1105 - 2152 Lawrence Ave E

Toronto

Brand New Unit, South West Amazing View Of Cn Tower & Downtown Toronto From Balcony, New Kitchen Granite Countertop, Family-Oriented Neighbourhood, 24 Hr Security

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$1,900/Monthly

2152 Lawrence Ave E
1+1 Beds 1 Baths 500-599
For Lease , Condominium

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

604 - 2152 Lawrence Ave E

Toronto

Brand New Unit, South West Amazing View Of Cn Tower & Downtown Toronto From Balcony, New Kitchen Granite Countertop, Family-Oriented Neighbourhood, 24 Hr Security

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$1,900/Monthly

2152 Lawrence Ave E
1+1 Beds 2 Baths 600-699
For Lease , Condominium

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

58 Seacliff Blvd

Toronto

Cont***Plan 66M1070, Pts 3 & 4 66R2791. Attention Investors, Contractors & Builders!!! Transform This House Into Your Dream Home. Design To Your Own Specifications From A Blank Slate. Large Porch Overlooking Well Maintained Neighbourhood. Great Streetscape With Grassy Verges On B...

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$599,000

58 Seacliff Blvd
3+0 Beds 1 Baths 1100-1500
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: Humber Summit

804 - 2152 Lawrence Ave E

Toronto

Brand New Unit, Sw View, New Kitchen, Granite Countertop, And Family-Orientated Neighborhood, 24 Hr Security.

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$1,900/monthly

2152 Lawrence Ave E
1+1 Beds 2 Baths 600-699
For Lease , Condominium

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

39 Russett Ave W

Toronto

Beautiful, Bright, Spacious Open Concept 4 Bdrm Home, Great Location To Live In. Good Schools, Park, Restaurants, Bars, Cafes, Shopping, Close To Dufferin Mall And More. Minutes To Subway Station And 24 Hours Ttc. No Pets Please, Bsmt Is Not Included. 2/3 Utilities. 1 Year Lease,...

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$4,500/Monthly

39 Russett Ave W
4+0 Beds 2 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Dovercourt-Wallace Emerson-Junction

1704 - 2152 Lawrence Ave E

Toronto

Assignment Sale, Brand New Condo Community. Family Oriented Neighbourhood. Amazing View To Lake Ontario And Downtown Toronto, Building Equipped With Following Amenities Party Room, Guess Room, Multipurpose Room, Gym And Swimming Pool Which Is Located At Ph1 And Connected Through...

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$459,000

2152 Lawrence Ave E
1+1 Beds 2 Baths 600-699
Sale Pending , Condominium

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

48 Aileen Rd

Markham

Great Home In High Demand Willowbrook Neighbourhood W/Practical Layout & Tasteful Design Perfect For Entertaining And Family Living.Well Maintained W/Major Upgrades.4 Bdrms,4 Wshrms,New Open Concept Kitchen W/O To Deck.Cozy Family Room Looking At B/Y. Formal Liv/Din Rm ,Large Fin...

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$1,598,000

48 Aileen Rd
4+1 Beds 4 Baths
For Sale , Residential

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

704 - 2152 Lawrence Ave E

Toronto

Brand New Unit, South West Amazing View Of Cn Tower & Downtown Toronto From Balcony, New Kitchen Granite Countertop, Family-Oriented Neighbourhood, 24 Hr Security

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$1,900/Monthly

2152 Lawrence Ave E
1+1 Beds 2 Baths 600-699
For Lease , Condominium

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

36 Twin Hills Cres

Vaughan

Bright, Sunny And Spacious,4 Bdrm 3 Bathroom Semi In Vellore Village. Nicely Finished And Super Clean. Gas Fireplace, New Maple Hardwood, California Shutters. This House Features Ceramic Flooring, 4Pc Master Ensuite W/Soaker Tub & Separate Shower. Steps To Hillside Park & Glen Go...

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$2,950/Monthly

36 Twin Hills Cres
4+0 Beds 3 Baths 1500-2000
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Vellore Village

11 Cattail Dr

Vaughan

Arista's 'Atrium' Model! Fantastic Layout W/ Double Dr Entrance! Curve Cathedral Oak Staircase! Hardwood Flrs, Halogen Lights & Bay Window In Lr/Dr Combined! Ceramic Flrs On Family-Sized Kit W/ Breakfast Area. Master Ensuite W/ Soaker Tub & Seperate Shower Stall! Finshed Bsmt W/ ...

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$995,000

11 Cattail Dr
3+1 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Vellore Village

741 - 333 Adelaide St

Toronto

Parking Included In This Modern, Large 1 Bedroom Condo For Lease @ The Award Winning Mozo Lofts! With Over 675Sf Of Living Space, This Gorgeous Loft Is Located In The Heart Of Downtown And Features Floor-To-Ceiling Windows, 9Feet Exposed Concrete Ceilings, Hardwood Floors Throug...

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$2,395/monthly

333 Adelaide St
1+0 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Moss Park

159 Palmdale Dr

Toronto

Spacious Town House With Many Upgrades! 3 Bedroom Family Home In A Desirable Neighbourhood. Finished Basement Has 2 Principle Room And A Large Rec Room. Walk Out To Back Yard From Living Room. This Is A Great Starter Home! Fenced Back Yard, Hardwood Floors. Great Location Close T...

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$624,900

159 Palmdale Dr
3+2 Beds 2 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Tam O'Shanter-Sullivan

47 Allview Cres

Toronto

Prime North York Area Sought After Bayview Village. Great School District Such As Earl Haig School Zone (School Rating 8.5) Bayview M.S, Elkhorn P.S. Lots Of Upgrades Over The Years. Professionally Landscaped Front And Backyard. Great Family Home With Huge Rec Room And Extra 3 Be...

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$1,298,888

47 Allview Cres
3+3 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Bayview Village

2708 - 218 Queens Quay W

Toronto

Luxurious 1 Bedroom 1 Bath With Breathtaking Southwest Lake Views At The Waterclub. Walk-Out From Living And Bedroom To French Balcony. 9' Ceilings. Hardwood In Living/Dining And Hallway. Stainless Steel Appl. And Granite Counter In Kitchen. One Of The Best View And Lay Out In Th...

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$2,500/Monthly

218 Queens Quay W
1+0 Beds 1 Baths 600-699
For Lease , Condominium

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

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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.