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Featured Listings

Listings   

611 - 2150 Lawrence Ave E

Toronto

Brand New Condo Building, Facing Nw, Modern Kitchen With Granite Counter Top And Stainless Steel Appliances, Building Is Equipped With 24 Hr. Concierge, Gym, Billiard Room, Guest Suites, As Well As Swimming Pool Located In Ph1 At 1328 Birchmount Road. Must See!

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$2,100/Monthly

2150 Lawrence Ave E
2+0 Beds 2 Baths 800-899
For Lease , Condominium

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

222 - 5 St Joseph St

Toronto

Gorgeous Bachelor Walk To 2 Subway Stations. Unbeatable Downtown Location On Yonge St, Betweeen Bloor And Wellesley. For Investor Only, Lease Secured Until August 2021. Luxurious Privacy Of A Modern Building. 99 Walk Score, 98 Transit Score. Steps From U Of T, Wellesley Or Yonge...

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$499,000

5 St Joseph St
1 Baths 0-499
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Bay Street Corridor

4225 - 5 Sheppard Ave E

Toronto

Luxury Tridel Hullmark Condo At Yonge And Sheppard* Split Two Bedroom+Den Corner Unit With Fantastic Panoramic S/E View* Indoor Direct Access To Yonge & Sheppard Subway/ Whole Food, Rexall, Shops And Restaurants, Quick Access To Hwy 401* 24 Hr Concierge* Fabulous Facilities Inclu...

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$3,500/Monthly

5 Sheppard Ave E
2+1 Beds 2 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Willowdale East

113 Mckee Ave

Toronto

Sun-Filled And Well Maintained 5 Bedroom Family Home In The Best Location Of North York, In Front Of Park And Mitchel Field Community Centre (Outdoor Swimming Pool And Arena). Walking Distance To Metro. Family Room Looking To Garden With South Facing Windows. Open Concept Kitchen...

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$3,150/monthly

113 Mckee Ave
5+1 Beds 3 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Willowdale East

64 Estate Garden Dr

Richmond Hill

High Demand Area Of Oak Ridges. Well Maintained, Open Concept Home With Unique Layout. 9'Ceilings On Main Flr W/Gas Fireplace. Large Eat In Kitchen With Sliding Door To Backyrd/Large Deck. Large Separate Dining Room. Hrdwood Thru Out Main Flr & Main Flr Laundry W/ Access To Gar...

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$999,800

64 Estate Garden Dr
4+2 Beds 4 Baths 2500-3000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Oak Ridges

5308 - 30 Shore Breeze Dr

Toronto

Luxurious Waterfront Community Boasting City And Lake Views. Brand New, Never Lived In, Spacious Bright 1 Br W/ W/O To Balcony & Lots Of Upgrades. S/S Appliances, 9Ft Ceilings. Close To All Amenities. Resort Style Amenities Games Room, Gym, Yoga And Pilates Studio, Party Room And...

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$2,050/monthly

30 Shore Breeze Dr
1+0 Beds 1 Baths 0-499
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Mimico

Th272 - 15 Greenview Ave

Toronto

Executive Tidel Built Townhouse In The Heart Of North York! Freshly Painted, Brand New Custom Hardwood Fls(M/F), Quarts Counter Top, Backsplash,10Ft Ceiling Height( M/F), Fireplace, Crown Moldings, Direct Access To Two Parkings And Condo Facilities From 2/F, Huge Master Bedroom W...

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$999,000

15 Greenview Ave
3+0 Beds 3 Baths 1600-1799 0
Sold , Condominium

  • Type: Condominium Sold 
  • Community: Newtonbrook West

66 Royalavon Cres

Toronto

A Contemporary Work Of Art In One Of The Most Affluent Neighborhoods. Approx 5,850 Sq Ft Of Living Space- One Of The Deepest Lot In The Area. Impeccable Details & A Stunning Floor Plan With No Wasted Space. Sparing 12' Ceilings. 4 Fireplaces And Outside Fire Pit. Top Of Line Jenn...

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$3,129,000

66 Royalavon Cres
5+0 Beds 6 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Islington-City Centre West

151 Poyntz(W/O Bsm.Apt) Ave W

Toronto

Location!Location!5Min. To 2 Subway Lines, Bright,Spacious & Completely High End Renovated W/O One Bdr. Basement Apartment In A Detached Home,With Separate Entrance, Featuring Hardwood Fl., Led Pot Lights Throughout,Blinds, New Bathroom W/Modern California Shower & Heated Floor &...

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$1,580/Monthly

151 Poyntz(W/O Bsm.Apt) Ave W
1+0 Beds 1 Baths 1500-2000
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Lansing-Westgate

17 Ravenhill Cres

Markham

Detached Home In Quiet High Demand Area On Large Lot With Pond And Shed In Garden, Hardwood Throughout (Under Existing Carpet).Main Floor Laundry Room Finished Walkout Basement With Large Open Recreation Area With Wet Bar, Kitchen And 4 Pc Bath. Oversized Double Garage. Extended ...

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$1,749,900

17 Ravenhill Cres
4+1 Beds 4 Baths 3500-5000
For Sale , Residential

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

Ph12 - 711 Bay St

Toronto

The Liberties, A Wonderfully Located Penthouse Condominium In The Heart Of Toronto. Sun-Filled, South Facing Bachelor + Solarium, Which Can Be Used As A Bedroom. Conveniently Located W/Easy Access To College Park Mall, Loblaw's, Metro, Subway, Streetcar, Eaton Centre. Walk To U O...

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$1,950/Monthly

711 Bay St
1+0 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Bay Street Corridor

311 - 770 Bay St

Toronto

1 Bdrm + Locker In Lumiere On Bay Street. Perfect For The Young Professional Working In The Downtown Area. This Unit Is Approx. 544 Sqft, W Soaring 9 Ceilings & Floor To Ceiling Windows. Upgraded Dark Hardwood Floors Throughout, Entire Condo Freshly Painted, Granite & Marble Coun...

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$1,895/Monthly

770 Bay St
1+0 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Bay Street Corridor

602 - 80 Charles St E

Toronto

Executive One Bedroom Condo, Fully Furnished, In The Historic Waldorf Astoria Hotel! Tastefully Decorated, This Lovely Suite Is Perfect For Visitors Or Business Persons Coming To The City And Looking For A Clean And Professional Space. Located Steps To Bloor St,Yonge St., Yorkvil...

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$2,350/Monthly

80 Charles St E
1+0 Beds 1 Baths 500-599
For Lease , Condominium

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

208 - 253 Merton St

Toronto

Condo In Prime Midtown Toronto, Quiet, Established Neighbourhood. Access To Belt-Line Trail Behind The Building, Ideal For Walking, Running, Cycling. Toronto Tennis Club Across The Street. Building Well Managed And Maintained. Concierge, Security 24Hr. Visitor Parking, Outside Pa...

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$2,275/Monthly

253 Merton St
1+1 Beds 1 Baths 700-799
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Mount Pleasant West

1008 - 1 Michael Power Pl

Toronto

Furnished 1 Bdrm+Spacious Den. Located In The Heart Of Etobicoke Trendy Islington Village. 9 Foot Smooth Ceilings, Open Concept, Kitchen With Eat-In Quartz Countertops, Filtration System Upgraded Backslash, Engineered Hardwood Flooring Throughout. Overlooking South West View, Bal...

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$2,350/Monthly

1 Michael Power Pl
1+1 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Islington-City Centre West

2415 - 386 Yonge St

Toronto

Luxury Aura Condos Spacious 2Br Suite W/2 Full Baths.Corner Unit.Rare To Find,Both Rms Have Windows.Lots Of Natural Light.Excellent Layout W/ Open Balcony Facing North West W/Downtown Cityview.Kitchen W/Granite Counter Tops.S/S Appliances.1Locker+1 Parking Included.Direct Indoor ...

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$3,000/Monthly

386 Yonge St
2+0 Beds 2 Baths 800-899
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Bay Street Corridor

214 Richmond St

Richmond Hill

Newly Renovated Home On Premium Lot. Perfect For Entertaining W/ Fabulous Brand New Kit.& High-End Appliances. Feat.4 Good Size Bdrms, Master Ensuite, Huge Sun Filled Family Rm W/Fire Place W/O To Backyard, Side Ent., Practical Liv/Din Rm W/Lrg Window, Finished Bright & Spacious ...

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$1,498,000

214 Richmond St
4+0 Beds 3 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Mill Pond

706 - 4091 Sheppard Ave E

Toronto

Spacious& Bright 2 Bedroom South View Condo, Well Maintained Home On Demanded Location, Mins To Hwy 401/404/Dvp/Go Train Station. Ttc Is One Min. Away, Walking Distance To Library, Shopping Mall, Park & All Amenities. Excellent Location. Ensuite Laundry.

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$430,000

4091 Sheppard Ave E
2+0 Beds 1 Baths 900-999
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Agincourt South-Malvern West

3801 - 70 Distillery Lane

Toronto

Distillery Historic District. Spacious One Bedroom & Den Condo W/Balcony. 10 Ft. Ceiling. Spectacular, Million Dollars City & Lake View . Steps To Boutiques, Restaurants, Ttc, Cafes, Art Galleries & The Theater. Upgraded Unit. Parking & Locker Included !! Unbeatable Building Amen...

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$2,200/Monthly

70 Distillery Lane
1+1 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Waterfront Communities C8

2504 - 99 Harbour Sq

Toronto

Breathtaking Unobstructed Se View Of Lake & Island. Very Rare One Bedroom In South Tower. Floor To Ceiling Windows, One Parking & One Locker. Fabulous Amenities! In-House Restaurant/Lounge W/ Room Service, Order Bkfst In Bed & Watch The Tall Ships Sale In. Beaches, Boats & Bike ...

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$759,900

99 Harbour Sq
1+0 Beds 1 Baths 600-699
For Sale , Condominium

  • Type: Condominium For Sale 
  • 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.