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Featured Listings

Listings   

1712 - 330 Alton Towers Circ

Toronto

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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$399,000

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

  • Type: Condominium For Sale 
  • Community: Milliken

213 Timberbank Blvd

Toronto

Large Family Home On Desirable Tree-Lined Street, With 4+3 Bdrms,4 Bathrms & 2 Eat-In Kitchns! Live In & Investment Property All In One W/Separate Private Side Entrance To Complete Living Quarters. Home Has It All, Incldng Magnificent Mastr W/Endless Space, Perfect Place To Live,...

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$988,000

213 Timberbank Blvd
4+3 Beds 4 Baths 2000-2500
For Sale , Residential

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

5 Lodgeway Dr

Vaughan

Cozy 3 Bedroom Freehold Townhome In Demand, 'Maple' Location, Walking Distance To Elementary School, Parks, Close To Hwy 400, Go Station Roof Was Done In 2016. Great Home For New Buyers!

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$699,000

5 Lodgeway Dr
3+0 Beds 3 Baths 1100-1500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Rural Vaughan

301 - 115 Omni Dr

Toronto

Must See! Turly A Model Home. Luxury Tridel-Built. One Of The Longest Corner Units. Approx 1330 Sqft. Lots Of Upgrades Plus 2-Owned Parking And Owned Locker W/ Maintenance Fee Of 13.16/Mth. Walk To Scarborough Town Centre, Ttc, Mins To Hwy 401. Great Recreation Facilities.

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$512,000

115 Omni Dr
3+0 Beds 2 Baths 1200-1399
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Bendale

32 Flaremore Cres

Toronto

Enjoy Living In Prestigious Bayview Village. Sunny Delightful Home On Quiet, Friendly Neighbourhood, Renovated To Move In And Enjoy, New Hardwood, Fresh Paint, Main Flr Laundry, Mature Garden, Huge Windows, Deck. Enjoy Walking To Bessarion And Bayview Subway Stations, Bayview Vil...

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$3,600/Monthly

32 Flaremore Cres
3+1 Beds 2 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Bayview Village

30 Fifeshire Rd

Toronto

La Belle Maison-Lux, Cust. Built Res. In St Andrew Winfield's. 24000 Sq. Ft Res. Comb Old Artisanship W/ 21 Cent. State Of Art Lux. Amen, Fyr, Marb Strs, Breathtaking Balustrades & Ceiling Motifs Transfer To 17 Cent. France. Feats Uniq Architect Craft Carved Limestone Ext. Sistin...

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$21,788,000

30 Fifeshire Rd
9+5 Beds 16 Baths 5000+
For Sale , Residential

  • Type: Residential For Sale 
  • Community: St. Andrew-Windfields

503 - 130 Neptune Dr

Toronto

Spacious South Facing Unit, Big Bedrooms, Master With 3 Pc Washroom And Walk In Closet, Eat In Kitchen, Great Living And Dining Space, H/C Water Line Connection For Laundry In Place For En-Suite Usage. Convenient Location To Ttc Bus And Subway, Highway 401, Yorkdale Shopping Cent...

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$415,000

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

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

405 - 255 Bamburgh Circ

Toronto

***Original Owner***, First Time Offered, The Garnet Suite Model, Spacious Unit Facing West, Huge Master Bedroom With 5 Pc Ensuite, Walk-In Closet. Solarium, Family Rm. Loads Of Amenities, 5 Tennis Courts, Squash, Racket, Badminton, Ping Pong, In/Out Pools. 24 Hr Guard House !!!!...

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$439,900

255 Bamburgh Circ
1+2 Beds 3 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Steeles

2005 - 80 Alton Towers Circ

Toronto

Live On The Top Floor Of The Platinum East Building! Penthouse Unit * Very Large 2 Bedroom Plus Solarium W/ 2 Full Washrooms * Newly Painted, Renovated Kitchen. Master Bedroom W/Walk-In Closet. Laminate Flooring Throughout, No Carpet * Full Amenities Indoor Pool, Tennis Court, Gy...

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$458,000

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

  • Type: Condominium For Sale 
  • Community: Milliken

2 Bonacres Ave

Toronto

Luxury Bungalow In Ravine Location, 150 Ft Frontage, Open Concept 24X30 Ft Big Room, Hardwood, Pot Lights, Quartz Counters, 200 Amp Panel, Combi Boiler With Indirect Hot Water Tank, Steel Rads, New Kitchen Plus 4-3 Piece Bathrooms, New Doors + Windows, Main Floor Laundry, Separat...

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$888,888

2 Bonacres Ave
3+0 Beds 4 Baths 1100-1500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Centennial Scarborough

108 Homestead Rd

Toronto

Open House Sat & Sun 2-4Pm Totally Redone W/ Permits 2-Storey 4 + 1 Bdrm Spectacular Home With Modern Finishes W/Ingrd Pool. -2 Bd Rm Bsmt Apt (Perfect For In-Law Apt) Laundry On 2nd Flr! Pot Lights Thruout W/ Outdoor Sensors! Wrought Iron Railings. Stamped Concrete (Around Pool)...

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$1,150,000

108 Homestead Rd
4+2 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: West Hill

9741 Keele St

Vaughan

Spacious Renovated House For Large Family With Income Potential. Hardwood Floors Throughout. Custom Kitchen With Granite Countertop & Family Size Eating Area. Main Floor Laundry. W/O To Large Deck & Side Patio. Direct Access To Garage. Sitting Area On 2nd Floor Use As Den Or Offi...

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$1,950,000

9741 Keele St
4+1 Beds 4 Baths 2500-3000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Maple

1009 - 11 Brunel Crt

Toronto

Bright South-East Facing 1 Bedroom, Views Of Cn Tower & The Water, 9 Ft Ceiling With Floor To Ceiling Windows. Central Location, Walking Distance To Waterfront, Cn Tower. Close To Sobeys Grocery Store, Restaurants & Banks, 27th Floor Sky Lounge, Tenant Insurance/Key Fob Deposit. ...

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$2,150/monthly

11 Brunel Crt
1+0 Beds 1 Baths 500-599
For Lease , Condominium

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

45 Briarcrest Dr

Markham Open House Sep 23, 2:00pm - 4:00pm

Location Location!! Semi-Detached House In Sought After Neighborhood Of Berczy. Top Ranking School Area Pierre Trudeau H.S & Stonebridge P.S Hardwood Flooring Throughout. 3 Large & Bright Bedroom. Park 3 Cars. Walking Distance To Move-In Condition - Clean & Well Maintained

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$2,100/Monthly

45 Briarcrest Dr
3+0 Beds 3 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Berczy

1009 - 150 East Liberty St

Toronto

Unobstructed Bachelor With South Lake View And A Large Balcony.

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$1,990/Monthly

150 East Liberty St
1 Baths 0-499
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Niagara

23 Mulgrove Dr

Toronto

Family Oriented/High Demand Area In Prime Etobicoke. Professionally Renovated From Top To Bottom. This House Backing Onto Quiet Park. 2 Extra Large Bedrooms In The Basement. Upstairs May Convert To Original 3 Bedroom Condition If Needed. Exterior Waterproofing Has Been Done. 200A...

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$1,048,888

23 Mulgrove Dr
2+2 Beds 3 Baths 1100-1500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Etobicoke West Mall

807 Gerrard St E

Toronto

Outstanding Investment Opportunity In South Riverdale. Very High Exposure, Corner Building With Commercial Storefront And Two Residential Apartments. High End Kitchen, Heated Floor In Washroom On Second Floor. Move In Condition Turn Key.

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$1,735,000

807 Gerrard St E
2+0 Beds 3 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: South Riverdale

48 Aileen Rd

Markham

Fantastic Location W/Practical Layout & Tasteful Design Perfect For Entertaining And Family Living.Executive Home In High Demand Willowbrook Neighborhood.Fully Renovated 4 Bdrms,4 Wshrms,New Open Concept Kitchen W/O To B/Y.Cozy Family Room. Large, Bright, Finished Bsmt W/2 Bdrm, ...

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$1,499,000

48 Aileen Rd
4+2 Beds 4 Baths
Sale Pending , Residential

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

74 Windsor Court Rd

Markham

All New Completely Reno'd Town Home From Top To Bottom In Prime German Mills Area. Enjoy All New Chefs Kit W/ Breakfast Island That O/Looks Cozy Parkette. W/O Bsmt. New S/S Appliances. New Flrs & Paint. 3 New Bathrms. All New Light Fixtures. New Led Pot-Lights, Newly Laid Grass &...

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$799,900

74 Windsor Court Rd
3+0 Beds 3 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: German Mills

2504 - 208 Queens Quay W

Toronto

Waterclub Elegant Urban Condo In The Heart Of Toronto's Harborfront With 9 Ft. Ceiling, Floor To Ceiling Windows Spanning The Entire Unit. This Bright High Floor Unit Has Stunning South Facing Unobstructed Panoramic View To Lake.Fabulous Facilities.24 Hrs Concierge.Amazing Downto...

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$549,000

208 Queens Quay W
1+0 Beds 1 Baths 500-599
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • 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.