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Featured Listings

Listings   

117 Courville Coachway Way

Toronto

Top Location & Complex That Is Rarely Offered, Executive Size Townhome With A Walk-Out Basement In This Highly Sought After Community! Super Bright & Generous Size Rooms W/ Lots Of Closets & Storage Space, This Amazing Unit Boasts An Open Concept Layout, Family Size Eat-In Kitche...

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$599,000

117 Courville Coachway Way
3+0 Beds 3 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Pleasant View

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

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

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

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 En-Suite Laundry In Place For En-Suite Usage. Convenient Location To Ttc Bus And Subway, Highway 401, Yorkdale Shop...

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$399,000

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

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

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

14 Riverside Blvd

Vaughan

Welcome To This Beautiful Sanctuary, 14 Riverside Blvd. A Street Synonymous With The Finest Of Luxury, This Beautiful 100Ft, South Facing Bungalow, Backs Onto The Uplands Golf Course, And Has The Most Beautiful Lush Setting In Its Resort Style Backyard. Located Between 10 + Milli...

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$3,788,888

14 Riverside Blvd
2+3 Beds 5 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Uplands

104 - 2 Dunsheath Way

Markham

Few Months New Stacked Townhome. Bright Corner Unit. Grand Cornell Brownstone Built By Award Winning Builder, Lindvest. Convenient Location On Hwy 7, Short Drive To Hwy 407, Close To Markham Stouffville Hospital, Cornell Library, Cornell Community Centre. Laminate Flooring Throug...

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$1,750/Monthly

2 Dunsheath Way
2+0 Beds 2 Baths 1000-1199
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Cornell

16 Brightsview Dr

Richmond Hill

*Oak Ridges* Humberland Area Great Public & Separate Schools, Near Shopping Plazas, Parks, Hwys & Transit.Lease Is Only For Main & Upper Floor Of This Home. Cac, Ceiling Fans, Lessee Has Full Use Of Front & Backyard, Tenant Is Responsible For Mowing Lawn And Snow Removal.Tenant T...

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$2,100/Monthly

16 Brightsview Dr
3+0 Beds 3 Baths 1500-2000
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Oak Ridges

53 Miles Hill Cres

Richmond Hill

Gorgeous & Spectacular Sun Filled Quality Built Home In Prestigious Richmond Hill Area. Pristine Family Residence. Open Concept, 9 Ft Ceiling, Main Strip Hardwood, Solid Oak , Family Sized Kitchen W/ Granite Counter-Top, Stainless Steel Appliances, Gas Fp W/ Stone Mantle, 4 Spaci...

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$1,275,000

53 Miles Hill Cres
4+2 Beds 4 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Jefferson

1411 - 1235 Bayly St

Pickering

Bright, Open Concept Corner South Facing Totally Renovated Unit, Approx 40K Kitchen +30K Other Renovations. Engineered Hardwood Floors. Rooftop Terrace With Bbq's, & Breathtaking Views Of Lake Ontario, Walk To Go, Transit,Indoor Pool, 24 Hr. Concierge, Guest Suite. Short Walk T...

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$564,900

1235 Bayly St
2+0 Beds 2 Baths 900-999
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Bay Ridges

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

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, Sauna, Tennis Cour...

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$439,990

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

  • Type: Condominium For Sale 
  • Community: Milliken

1803 - 65 Bremner Blvd

Toronto

Spacious Studio In Award Winning Maple Leaf Square Luxurious Condo, Unbeatable Location, Steps To Union Station, Go Train, Financinal District, Rogers Centre, Entertainment, Lake, Restaurants And Shopping. Longos Supermarket And Shops Are Just Downstairs Without Going Out From Th...

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$1,900/Monthly

65 Bremner Blvd
1 Baths 0-499
For Lease , Condominium

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

616 - 27 Rean Dr

Toronto

Luxury Daniel's Landmark Merci Condo, Modern Open Concept Design, One Bedroom Plus Den. Ensuite Master Bdrm, 2 Baths, 2 Balconies, Granite Counter Top, Rooftop Deck. Walking Distance To Bayview Village. Close To Subway, Minutes To Hwy 401 *** Unit Can Be Rented Furnished For 2500...

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$2,100/Monthly

27 Rean Dr
1+1 Beds 2 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Bayview Village

3006 - 55 Bremner Blvd

Toronto

Residence Of Maple Leaf Square. This Luxury 1 Bed 1 Bath Freshly Painted.Unit Offers Upgraded Kitchen, Granite Counter Top, Back Splash, Stainless Steel Appliances, 9 Ft. Ceiling, Modern Finishes And Fantastic Views From 30th Floor. Direct Access To Union Station, Scotia Arena, P...

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$488,000

55 Bremner Blvd
1+0 Beds 1 Baths 0-499
For Sale , Condominium

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

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

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

501 - 1135 Logan Ave

Toronto

Beautiful West Facing Unit In A Boutique Building. Only 6 Units Per Floor. Renovated Kitchen, Large Locker, Party Room Locker And Sauna On Main Floor. Close To Greektown, Parks, Schools, Shopping, Downtown, Transportation, Subway, Nice Neighborhood, Spacious Open Balcony Overlook...

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$610,000

1135 Logan Ave
3+0 Beds 2 Baths 1200-1399
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: East York

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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.