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Featured Listings

Listings   

2307 - 33 Charles St E

Toronto

1 Bedroom Suite On The 23rd Floor, Unobstructed View Of The City, Yonge & Bloor Area. Bright And Spacious Suite, With Lots Of Natural Light. Hardwood Floors. Heated Swimming Pool & Hot Tub. Fitness Centre. Easy Access To Yorkville, Ttc, U Of T, And Museum.

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$2,550/Monthly

33 Charles St E
1+0 Beds 1 Baths 600-699
For Lease , Condominium

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

1608 - 1360 York Mills Rd

Toronto

Very Clean, Bright, Spacious 2 Bedroom Condo Conveniently Located Close To 401, Dvp. Walking Distance To Shopping, School, Daycare And Public Transit. Freshly Painted All Over, New Baseboard, New Laminate Floor In Bedrooms

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$2,100/monthly

1360 York Mills Rd
2+0 Beds 1 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Parkwoods-Donalda

2402 - 8 Eglinton Ave E

Toronto

Tastefully Furnished One Bedroom+Media/Office Den, 2 Balcony Walk Outs To 89 Sq. Ft. Of Exceptional Metallic Finishes & North West And South Views Of Toronto's Center Of Excitement At Yonge & Eglinton. Ttc Yonge Subway At Doorstep,Retail & Every Amenity Imaginable Including 25th ...

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$2,750/Monthly

8 Eglinton Ave E
1+1 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Yonge-Eglinton

57 Marsh Rd

Toronto

Beautiful Modern Open Concept 4Bdrm Family Home In Up & Coming Area Of Clairlea/Birchmount.Open Concept Main Level W/10' Ceilings, Beautiful Kitchen W/Quartz Countertop +Centre Island &High End S/S Appliances.Walkout To Beautiful Deck &Fully Fenced Huge Backyard.Pot Lights Throug...

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$1,329,000

57 Marsh Rd
4+0 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Clairlea-Birchmount

2609 - 5 Northtown Way

Toronto

Live In Prestigious North York Area! Bright & Spacious 1700 Square Feet, Huge Master Bedroom With Sitting Area And En Suite! Magnificent Building Offers All Luxury Amenities - Close To Hwy's And Everything Toronto Has To Offer. Don't Miss Out On This Opportunity. Condo Has Direct...

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$859,000

5 Northtown Way
2+1 Beds 3 Baths 1600-1799
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Willowdale East

2028 - 3025 Finch Ave W

Toronto

This Beautiful 1 Bed Stacked Th Is Like New, Just Move In Ready. Parking And Locker Included. Excellent Location Close To Hwy And Ttc. Low Maintenance Fees, Low Property Taxes. Huge South Facing Balcony. Ensuite Laundry And Visitors Parking.

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$339,800

3025 Finch Ave W
1+0 Beds 1 Baths 500-599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Humbermede

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

16 Grantbrook St

Toronto

Basement Bedroom 3.32X3.20 Closet, Bedroom, Window. Office 3.20X2.75 Rec Room 9.14X5.40 Walk Up To Garden. ***Location. Location. Location. Huge Family Home. Literally 2 Minute Walk To The Ttc, Easy Access To Schools, Shopping. Pool Size Lot 60X145 With Lots Of Parking.***

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$1,499,000

16 Grantbrook St
6+1 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Newtonbrook West

704 - 10 Sunny Glwy

Toronto

Move In Conditon 3 Bdrm, Mins To Ttc, Dvp, 401, Downtown, Shops, Schools! Building Loaded With Facilities Indoor Pool, Sauna, Gym, Party Room, Etc. Rent Includes Fridge, Stove, Heat, Hydro, Water, Cable Tv, Building Insurance, Under Ground Parking, Etc.

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$2,200/monthly

10 Sunny Glwy
3+0 Beds 2 Baths 1000-1199
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Flemingdon Park

406 - 2200 John St

Markham

Prime Markham Location!!! Prestigious Ascot Mansion Low Rise Condo By Shane Bajhar. Well Maintained Unit With Quiet East View. 2 Split Br, 2 Full Bathrooms, 1 Parking, 1 Locker, Gorgeous Laminate Flooring Throughout. 24 Hr Concierge. Close To All Amenities, Hwy 404 And 407.

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$429,000

2200 John St
2+0 Beds 2 Baths 900-999
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: German Mills

45 Leacock Cres

Toronto

Located In High-In-Demand Quiet Crescent In Denlow, Winfields, And York Mills School District. W/O To Prvt Backyard W/ Inground Pool. No Pets Or Smoking Permitted, Due To Allergies.

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$3,750/monthly

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

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

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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$1,095,000

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

  • Type: Residential For Sale 
  • Community: Maple

360 Weldrick Rd E

Richmond Hill

House Features Many Upgrades Thruout. 20 By 20 Marmo D Marfil Tile Thruout Main Floor. Darmaga Red Oak Natural Hardwood Flr In Living, Dining, & Family Room. Irpinia Kitchen 1700 Series Classic Maple, High Cabinets W/Moulding, Soft Close, Drawer Dividers. Wine Holder. Franke Sink...

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$1,350,000

360 Weldrick Rd E
4+1 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Harding

98 Purpledusk Tr

Toronto

$$$spent In Reno. Hardwood And Quartz Thru Out. 2 New Kitchens With Ss Main Floor With New Appliances.Separate Entrance To Prof Finished Basement With New Eat-In Kitchen And Ensuite With Steam Sauna. House Backs Onto Green Open Field. Walking Distance To U Of T, Centennial Colleg...

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$799,900

98 Purpledusk Tr
4+1 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Morningside

26 Eastville Ave

Toronto

Beautiful Luxurious Custom Built Home With Lakeview. Double Door Entry. Spacious 4 Bedroom Home With Hardwood Flooring Throughout. Gorgeous Custom Built Kitchen. Basement Fully Finished With Washroom And Walk Out To Back Yard. Top Quality High End Finishes. Walk To Lake, R.H. Kin...

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$1,495,000

26 Eastville Ave
4+0 Beds 5 Baths 2000-2500
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: Cliffcrest

16 Brightsview Dr

Richmond Hill

*Excellent Location* Humberland Area, Great Schools(Public And Separate Schools Steps Away - Cardinal Carter Catholic High School, King City Secondary School, Near Shopping, Parks & Hwys. Transit Steps Away. In-Law Suite, Family Room With Fireplace. Freshly Painted, Family Size...

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$799,900

16 Brightsview Dr
3+1 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Oak Ridges

3038 Cascade Common Crt

Oakville

3 Storey Modern Townhouse Built By Minto In Trafalgar And Dundas. Approx. 2000 Sf Living Space Backing To A Pond. High Ceiling. Clean Sleek Ultra Modern Kit. Cabinet W/ Quartz Countertop. Mudroom/Pantry Link Garage To Kit. Hardwood Floor & Upgraded Porcelain, Solid Wood Staircas...

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$855,000

3038 Cascade Common Crt
3+0 Beds 4 Baths 1500-2000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Rural Oakville

Address not publically available. Request address

Toronto

A Must See!!! Stunning Home!!!Won't Last.2 Renovated Ktchens W/Granite Counters,Backsplash,High End S/S Appliances, Ceramic Floors.2Full Reno'd Baths, Hardwood Floors Throughout Main Floor, Open Concept, Shows 10++.Custom Built Closets In All 5 Bedrooms, New Windows And Pot Light...

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$989,900

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

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

29 Proudbank Mill Way

Toronto

Completely Renovated, 4 Bedroom Townhouse In Multi-Million Dollar Neighbourhood With The Best Schools In The City (Harrison Ps, Windfield Jhs And Yorkmills Clgt) Over $100K ++ Spend On Upgrades And Design One Of The Bets Lay Out In Complex. Custom Glass Shelves, Pot Lights, Throu...

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$1,225,000

29 Proudbank Mill Way
4+1 Beds 3 Baths 1600-1799
For Sale , Condominium

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

1512 - 8 Mercer St

Toronto

Highly Demand In The Heart Of The Entertainment District. 1 Bed + Den 558 Sqft + 65 Sqft Balcony. 9 Ft Ceiling, Laminate Floor Throughout. Steps To Path System, Tiff, Subway, Royal Alexandra And Princess Wales Theatres. Surrounded By Gourmat Restaurants. Walking Distance To Cn To...

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$649,800

8 Mercer St
1+1 Beds 1 Baths 500-599
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.