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Featured Listings

Listings   

306 - 15 Rean Dr

Toronto

Location, Location, Location! Excellent Walk (74) & Tansit (71) Score. Bayview Manor By Daniels. 1417 Sq Ft Of Comfort. Open Concept Kitchen/Living/Dining, Perfect For Entertaining. Pull Back The Shutters & Enjoy South Facing View Of The Park. Easy Access To 401/Dvp/404.Walking D...

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$928,000

15 Rean Dr
2+1 Beds 2 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Bayview Village

15 Florist Lane

Toronto

Beautiful End Unit Townhouse, Shows Like A Semi! Neutral Colours Throughout, Pride Of Ownership. Open Concept Energy Star Home With A 9 Ft Ceilings In Living, Dining And Kitchen. Garage Entrance From House. Professional Landscaped Enclave. Common Fee Includes Snow Removal, Grass ...

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$574,800

15 Florist Lane
2+1 Beds 2 Baths 1100-1500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: West Hill

25 Craven Rd

Toronto

Great Starter Home, Mins. To Ttc, Schools, Walking Distance To Beach.. *Needs Renovation* The Price Reflects The Fact.. Great Opportunity

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$399,900

25 Craven Rd
2+0 Beds 1 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Greenwood-Coxwell

140 Six Point Rd

Toronto

A Rare Find Deluxe Freehold Town Home. Meticulously Maintained Executive Style Home Comes With Lots Of Upgrades. Approx. 1900Sf Of Luxury Space With Hardwood Floors, Spa-Like Master Bedroom With 5Pc Ensuite, Open Concept Main Floor With 9Ft Ceiling, 2nd Floor Laundry, Deck With G...

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$2,950/monthly

140 Six Point Rd
3+0 Beds 3 Baths
For Lease , Residential

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

1107 - 65 Skymark Dr

Toronto

Location! Beautiful Open Concept W/Breathtaking Views! Stunning Apt Updated To Perfection! Maintained W/ Pride! Approx.1500Sqft. Quartz Counter Top In Kit & B/R's, Marble Shower & Flrs In Mstr B/R. His/Her W/I Closet. Extra Rm For 2nd B/R Or Office/Flex Space. Tons Of Great Ameni...

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$679,000

65 Skymark Dr
1+1 Beds 2 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Hillcrest Village

23 Alex Black St

Vaughan

Assignment - Selling Agreement Of Purchase And Sale.Victory Hts! 3,523 Sq Ft Built By Treasure Hill On A 42' Lot! Walk-Up Bsmt! Larger Bsmt Windows. R/I Wet Bar 10 Ft Main Fl. Ceil Coffered Ceil. In Lr, Dr, Mbr, Foyer. Waffle Ceil. In Fam. Rm. Extensive Use Of Pot Lights - Interi...

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$1,988,000

23 Alex Black St
4+0 Beds 4 Baths 3500-5000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Patterson

7 Helen Ave

Vaughan

Welcome To The Prestigious 7 Helen Ave, One Of The Most Sought After Streets In The Area. This Beautiful 100 Ft South Facing Lot, Boasts 7200 Sq Ft Of Total Living Space. It Is Conveniently Located Mins Away From Hwy 407 & 404, Ttc, Go Train, Some Of The Finest Golf Courses And M...

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$4,588,000

7 Helen Ave
5+1 Beds 6 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Uplands

66 Carron Ave

Vaughan

One Of The Fastest Developing Area In Gta! Canada's First Smart Hospital Is Opening Soon & 6,000 Employment On The Way! Great Community Easy Access To Major Hwy's. End Unit Townhouse W/Lots Of Upgrades. Sidings 2017, 4 Car Drwy, 1940 Sqft Living Space, Walking Distance To Elem. S...

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$735,000

66 Carron Ave
3+1 Beds 3 Baths 1500-2000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Maple

Main - 143 Belgravia Ave

Toronto

Short Term Lease! (3-6 Month), Term Is Negotiable, Immediately Available, Price Includes Utilities And Parking, Great Transitional Place, Convenient Location Near Eglington And Public Transportation,Brand New Renovated Apartment, 2nd Bedroom Can Be Used As Living/Dining Room, Bri...

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$2,200/Monthly

143 Belgravia Ave
1+0 Beds 1 Baths < 700
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Briar Hill-Belgravia

27 Alamosa Dr

Toronto

Beautiful Stunning Bungalow Backing On Ravine In Hi-Demand And Prestigious Alamosa Area,Tastefully Extended Open Concept Great Room,Professionally Landscaped With Flood Lights And Sound System Water Garden,Beautiful Stone Patio/Walkway,Mature Trees,Sprinkler,Slate Stone Ramps,Cir...

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$2,788,000

27 Alamosa Dr
3+1 Beds 4 Baths
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: Bayview Village

8301 Kipling Ave

Vaughan

Desirable Exec Living In This Fully Furnished Rarely Offered End Unit Townhome. No Details Missed. This Grand Gem Boasts Many Custom + Tech Finishes To Create A Masterpiece That Equals Comfort. Fall In Love W/This Home Every Day. Filled W/Natural Light. Elegant Kit W/ W/O To Excl...

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$929,888

8301 Kipling Ave
3+1 Beds 3 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: West Woodbridge

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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$1,698,000

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

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

210 Aylesworth Ave

Toronto

2 Years Old Prof. Designed Modern Family Home In Prestigious Cliffside Area, Extra High Ceiling Simply Stunning, High End Kitchen Cabinets. This Unique Full Brick Home Has Everything You & Your Family Needs. 3 Skylights, Upper Flr Laundry, Very Convenient Location. 15-18 Mins To ...

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$999,000

210 Aylesworth Ave
4+1 Beds 4 Baths 2500-3000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Birchcliffe-Cliffside

123 Arrowhead Dr

Vaughan

Charming Bright Family Home Is Situated In The Prime Location Of Woodbridge. Over 2900 Sqft. House Has Gorgeous Center Hall Features Large Principal Rooms. Finished W/O Basement. Hardwood Flrs Thru-Out. Main Floor Laundry. Gourmet Open Concept Kitchen ,Large Sun Deck. California ...

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$1,349,500

123 Arrowhead Dr
4+0 Beds 4 Baths 2500-3000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: East Woodbridge

904A Bloor St W

Toronto

Gorgeous Unit Bloor/Ossington Location Unit Has Totally Renovated (Windows, Floor, Bathrooms, Kitchen). One Year Old Appliances

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$2,500/Monthly

904A Bloor St W
2+0 Beds 2 Baths 700-1100
For Lease , Residential

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

37 Goodwood Park Cres

Toronto Open House Apr 21, 1:00pm - 5:00pm

Turn Key Charmer On Massive Lot In Great Location! Old Meets New In This 1 1/2 Storey Home With Extensive Upgrades Throughout! Potential Rental Income Or In-Law Suite! High Ceilings, Large Windows In Principal Rooms, Lovely Original Baseboards And Trim, New Laminate Flooring, 200...

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$699,000

37 Goodwood Park Cres
2+1 Beds 2 Baths 700-1100
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Crescent Town

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 Major Hwy's And Everything Toronto Has To Offer. Don't Miss Out On This Opportunity. Condo Has ...

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$999,000

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

  • Type: Condominium For Sale 
  • Community: Willowdale East

314 - 330 Mccowan Rd

Toronto

Spacious And Bright, 2 Bedrooms Plus Solarium Condo Apartment - 966 Sq Feet In A Well Managed And Administered Building. Shows Very Well, Clean And Well Maintained, Newer Laminate Floor, One Underground Parking, One Locker, Close To Go Station, Ttc, Shopping.

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$2,100/Monthly

330 Mccowan Rd
2+1 Beds 2 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Eglinton East

1410 - 2050 Bridletowne Circ

Toronto

Bright And Spacious 3 Bedrooms Corner Unit With Magnificent Views In Upgraded Building. High Demand, Excellent Location. T.T.C. At The Door, One Bus To Subway Station, Easy Access To 401 And 404. Steps To School, Library, Park, Shopping Mall And Other Amenities. Renovated Unit Wi...

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$399,900

2050 Bridletowne Circ
3+0 Beds 2 Baths 1200-1399
For Sale , Condominium

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

9741 Keele St

Vaughan

One Bedroom Plus Den Spacious, Clean Basement Apartment In The Heart Of Maple In A Private Home. Close To Public Transport, Go-Train, Highways. Suitable For Single Or Couple. No Smoking In The House. Prefers No Pets, But Could Be Discussed.

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$1,490/Monthly

9741 Keele St
1+1 Beds 1 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Maple

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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.