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Featured Listings

Listings   

301 - 373 Front St W

Toronto

Bright And Spacious One Bedroom Unit Plus Den, Beautiful North West City View, 24 Hrs. Concierge, Steps To Cn Tower, Rogers Center, Min. To Gardiner Expwy, Financial And Entertainment District, Waterfront

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$2,350/Monthly

373 Front St W
1+1 Beds 1 Baths 600-699
For Lease , Condominium

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

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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$1,789,000

183 Gledhill Ave
3+1 Beds 4 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Woodbine-Lumsden

29 Proudbank Millway Way

Toronto

Completely Renovated, Ly Bedroom Townhouse In Multi-Million Dollar Neighbourhood With 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, Througho...

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$1,310,000

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

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

58 Laskin Dr

Vaughan

Assignment Sale! Luxurious Modern Town Home Built By Madison. Best Location In The Heart Of Thornhill.This Beauty Includes 2394 Sqft , 3+1 Bedrooms & 4 Washrooms. 10 Ft Ceiling In The Main Floor , 9 Ft Ceiling On The 2nd & Lower Floor. Will Be Ready To Move In On January 2019. W/...

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$1,388,000

58 Laskin Dr
3+1 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Patterson

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

16 Brightsview Dr

Richmond Hill

*Excellent Location* Humberland Area, Great Schools, Near Shopping Parks & Hwys. Transit Steps Away. In-Law Suite, Family Room With Fireplace. Freshly Painted Family Sized Kitchen.

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$849,000

16 Brightsview Dr
3+1 Beds 4 Baths 1500-2000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Oak Ridges

525 Kirkham Dr

Markham

Ravine Lot! High Demand Location, Next To The Golf Club. Approx 3500 Sq Ft. Detached Home With Hardwood Floors On Main And 2nd Level. Kitchen And Washroom Counter-Tops Upgraded. This Is An Assignment.

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$1,699,000

525 Kirkham Dr
4+0 Beds 4 Baths 3000-3500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Cedarwood

79 Brookview Dr

Toronto

Professionally Renovated Detached Home In A High Demand Family-Oriented Neighbourhood. Close To Everything You And Your Family Need - Shopping Centres, Major Hwy, Ttc, Restaurant, Schools, And More. Big Backyard. Beautiful Sunroom To Enjoy During Summer Time. Fully Finished Basem...

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$3,350/monthly

79 Brookview Dr
3+1 Beds 3 Baths 1500-2000
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Englemount-Lawrence

2102 - 65 St Mary St

Toronto

Stunning Sunfilled Spacious Corner Unit At U Condominium, Best Location, Adjacent To The Lush Grands Of The St. Michael's College Campus (U Of T), Steps From Yorkville, Subway And Many More Amenities, Unit Has 2 Balconies With Breathtaking View Of Cn Tower

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$1,299,900

65 St Mary St
2+0 Beds 2 Baths 800-899
For Sale , Condominium

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

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

34 Edgecroft Rd

Toronto

Short Term Lease. Up To 6 Months. Great Family Area. Close To Transit, Costco, Ikea, Shopping, Great School District. Access To Highways. Available Immediately.

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$2,500/Monthly

34 Edgecroft Rd
2+1 Beds 2 Baths 700-1100
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Stonegate-Queensway

29 - 15 Huntingwood Dr

Toronto

Prime Location, Well Maintained, Multi Level Town House W/ High Demand Area, Steps To Ttc, 401 & 404 Hwy, Shopping Centers, Fairview Mall And Schools. Water & Cable Tv Incl. In Condo Fees, Spacious 3 Bdrm & 2 Bathroom Unit, Move In Condition, Fully Fenced Backyard

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$675,000

15 Huntingwood Dr
3+0 Beds 2 Baths 1200-1399
For Sale , Condominium

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

172 Bay Thorn Dr

Markham

Perfect Location. Walking Distance To Shopping, Restaurants, And Elementary Schools. Move In, Renovate Or Rebuild. Drawings & City Permit Are Available For Additional Floor & Additional Bedroom.

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$1,248,000

172 Bay Thorn Dr
3+0 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Royal Orchard

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

309 - 38 William Carson Cres

Toronto

Upscale Low-Rise Condo Situated On A Quite Treed Crescent In Hogs Hollow With Ravine Views. 1 Bedroom + Spacious Den, Which Could Be Used As Second Bedroom. Open Concept Kitchen. Bedroom And Living Room With Ravine Views. Conveniently Located Close To Yorkmills Subway And 401. ...

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$599,900

38 William Carson Cres
1+1 Beds 1 Baths 700-799
For Sale , Condominium

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

862 Antonio St

Pickering

Perfect Investment Property With 2 Separate Apartments, Or Live In And Rent Out One Unit To Help With Expenses. (Legal Basement Apartment, Please See Attachment). Beautiful Tree Lined Street In Quaint Neighbourhood, Close To Go Station, Hwy 401, Shopping And Good Schools. Large, ...

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$599,900

862 Antonio St
3+2 Beds 2 Baths
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: Bay Ridges

1108 - 22 East Haven Dr

Toronto

Haven On The Bluffs, Located One Of The City Most Idyllic Neighborhoods.Fabulous 3 Bedrm & 2 Full Bathrm Unit, Approx. 850Sq Ft, Amazing & Large Terrace W/ The Stunning View To The Lake Ontario.Unit Equipped W/ High End Bathrms & Kitchen Finishes W/ Granite Counter Top.Area Ameni...

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$648,888

22 East Haven Dr
3+0 Beds 2 Baths 800-899
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: Birchcliffe-Cliffside

129 Montgomery Ave

Toronto

Prime Yonge/Eglinton. Walk To Subway, Shops, Restaurants, Library, Walk Score 96. Very Spacious Bungalow. Great Condo Alternative.

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$2,500/Monthly

129 Montgomery Ave
1+0 Beds 2 Baths
For Lease , Residential

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

77 Agincourt Dr

Toronto

One Of Kind! Absolutely Stunning Custom Built Home Nestled In An Agincourt Enclave Backing Onto A Treed Area! Featuring 4700 Sf(Main & 2nd Flr)+2410Sf(Basement), Totaling Over 7000Sf Of Sprawling Living Space! Updated Kitchen W/Breakfast Area, Soaring Entrance Hallway With Grand ...

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$1,850,000

77 Agincourt Dr
4+0 Beds 5 Baths 5000+
For Sale , Residential

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

29 - 15 Huntingwood Dr

Toronto

Well Maintained Multi Level Townhouse In High Demand Area, Prime Location To Hwy 401 And 404, Dvp, Shopping, School, Community Centre, Walking Distance, Water, Cable Tv Included In Rent, Large 3 Bedroom And 2 Bathroom Unit, Move In Condition, Backyard Fully Fixed.

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$2,650/Monthly

15 Huntingwood Dr
3+0 Beds 2 Baths 1200-1399
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: L'Amoreaux

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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.