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Featured Listings

Listings   

Lph 2 - 1720 Eglinton Ave E

Toronto

Stunning Lower Penthouse Suite, Open Concept Living,Rarely Offered With Spectacular Balcony View! 2+1 Bedrooms, Split Plan Design, Meticulously Maintained, Family Size Kitchen W/ Brkfst Bar! Entertainers Size Livng Space, Lrg Laundry W/Pantry, Mastrbr W/Ensuite & His/Hers Closets...

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$463,000

1720 Eglinton Ave E
2+1 Beds 2 Baths 900-999
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Victoria Village

519 Donlands Ave

Toronto

Prime Location Ravine Lot! Full Renovated Detach Brick Home In Desired Golden Triangle/ East York Neighbourhood. Open Concept Modern Kitchen And Family Room. All New Washrooms Flooring Windows, Pot Lights, Appliances. Etc.Too Many Updates To List. Please See Attachment For List...

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$1,099,000

519 Donlands Ave
3+1 Beds 3 Baths
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: East York

105 - 70 Forest Manor Rd

Toronto

Luxurious Emerald City Condo In Prime North York Location. Ttc At Door, Minutes Walk To Fairview Mall, Access To Hwy 401, 404 And Dvp. Modern Kitchen With Brand New Appliances, Granite Counter Top. Two Balconies. 1 Parking Suitable For Couples, Or Students,On The Main Floor Unit ...

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$2,050/monthly

70 Forest Manor Rd
1+0 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Henry Farm

1009 - 350 Red Maple Rd

Richmond Hill

Luxurious One Bedroom Plus Den, In The Heart Of Richmond Hill. South Facing Sun-Filled Apartment. Close To Public Transit, Go Train & Viva, Hwy 404 & 401, Shopping Mall, Schools & Restaurants. Amenities Include Indoor Pool, Gym, Sauna, 24 Hr. Security, Visitors Parking, Tennis ...

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$395,000

350 Red Maple Rd
1+1 Beds 1 Baths 600-699
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Langstaff

7 Carnegie Cres

Markham

Present All Offers$immaculate$magnificently Renov'ed Exec Home*Bright & Sunfilled$superb Cust Kit*Top Quality S/S Appl's *Exquisite Custom S/S Backsplash$appl Garage$granite Cntrtops$skylight*Outstanding Presentation$gorgeous Heated Ingrnd Pool+Stunning Landscap'g* Sep Side Dr En...

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$1,878,700

7 Carnegie Cres
4+1 Beds 4 Baths
For Sale , Residential

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

1004 - 32 Camden St

Toronto

Welcome To Thirty Two Camden Lofts- Boutique Living At Its Finest! Nestled On Quiet Street In The Heart Of King St West, This Gorgeous 1 Bedroom Furnished Loft Features Over 600Sf Of Wonderful Appointed Living Space, 522Sf Of Interior And 109Sf On The Balcony. Enjoy Designer High...

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$2,195/Monthly

32 Camden St
1+0 Beds 1 Baths 500-599
For Lease , Condominium

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

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.

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$1,700/monthly

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

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

387 White's Hill Ave

Markham

Cornell Rouge. Location! Location! Stunning End Unit Freehold Town Home, Open Concept, Very Bright Full Of Light Fronting On The East Side 3+ Bedrooms 4 Baths, Pedestal Sink In Powder Rm, Finished Basement, Detached Double Car Garage. Close To Park-Community, Walking Distance To ...

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$849,900

387 White's Hill Ave
3+1 Beds 4 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Cornell

1063 Dufferin St

Toronto

Great Investment Opportunity. Property In Prime Location. 3 Rented Self-Contained Units That Will Almost Pay Your Mortgage. Close To Public Transit, Walking Distance To Subway. 2 Bedroom Units On Upper Floor. 2 Bedroom Units On Main Floor. 1 Bedroom Unit In Basement. Current Tena...

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$999,900

1063 Dufferin St
5+0 Beds 3 Baths
For Sale , Residential

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

145 Shaftesbury St

Toronto

Attention Builders/Renovators/Investors! Excellent Prime Bathurst Manor Location. Build Your Dream Home Or Renovate. Large Lot 60.77Ft X 100Ft. Windows [2010], Furnace [2012], Roof [2007], Driveway [2014] As Per Seller. Big Backyard. Double Car Garage. Cold Cellar Room. Property ...

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$1,199,900

145 Shaftesbury St
3+2 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Bathurst Manor

802 - 77 Charles St W

Toronto

Ultra Luxury Building In Toronto's Cultural Heart/Yorkville's Exclusive Address. Minutes From Trendy Art Galleries, Restaurants Shops. Generous One-Bedroom Corner Suite 1321 Sqft. One Of The Best Layouts Creating Full Privacy For Bedroom Area Away From Living/Entertainment Area. ...

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$1,330,000

77 Charles St W
1+0 Beds 2 Baths 1200-1399
For Sale , Condominium

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

17 Comet Crt

Toronto

Stunning Sundrenched Ranch Bungalow Located On Sought After Cul-De-Sac On Deep Picturesque Pie Shaped Lot. This Totally Renovated Home Offers A Huge Addition Overlooking Landscaped Private Tranquil Rear Yard And Custom Upgrades Throughout. Central Location Is A Dream For Commuter...

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$1,385,000

17 Comet Crt
3+1 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Victoria Village

43B Green Belt Dr

Toronto

Prime Shops At Donmills Location. Updated Photos To Come Soon! Newer Home Over 2500 Sq. Ft. Of Total Living Space. High Demand Neighbourhood. 3 Oversized Bedrooms Along 2 Bath, Living Room, Dining Room Plus Additional Office/Family Room. 9 Ft Ceilings On Main Floor. Dark Hardwoo...

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$2,750/monthly

43B Green Belt Dr
3+1 Beds 2 Baths
For Lease , Residential

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

307 - 50 Inverlochy Blvd

Markham

Welcome To Thornhill Orchards! Situated In A Beautiful Enclave Overlooking 2 Golf Clubs. With Over 1000Sf Of Living Space, This Bright & Spacious 2 Bdrm/2 Wshrm Offers Everything You Need. Features Beautiful Hardwood Floors Throughout, Contemporary Kitchen With S/S Appliances, Gr...

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$2,350/monthly

50 Inverlochy Blvd
2+0 Beds 2 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Thornhill

708 - 200 Sackville St

Toronto

1 Bedroom + 1 Room Size Den + 2 Full Washrooms + 1 Parking + 1 Locker With Balcony! This Unit Has Everything You Need! One Of The Best Layout. Den Can Be A Bedroom Easily! Best View Of The Area. Breathtaking! Amazing View + Sunfilled Unit With Lots Of Upgrades. Designer Unit, Dra...

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$575,000

200 Sackville St
1+1 Beds 2 Baths 600-699
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Regent Park

76 Willamere Dr

Toronto

Desirable Upper Bluffs! Close To Bluffers Park/Beach/Marina And High Ranking R.H. King Academy (7.9) Solid Brick Well Maintained Bungalow. $2,000 Rental Income From The Basement. Reasonable Priced. Over 50 Feet Front Lot! Great Investment. Lots Of Development In The Neighbourhood...

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$864,900

76 Willamere Dr
3+3 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Cliffcrest

2316 - 30 Greenfield Ave

Toronto

Partially Furnished Modern Stylish Well-Maintained 1+1Bed, 2 Renovated Bath Suite In The Heart Of North York, A Spacious Unit (Approx. 930Sqft) In An Excellent Neighbourhood. New Laminate Through Out. Open Living /Dining W/Large Windows. Modern Kitchen W/Granite, Marble, Stainl...

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$2,400/Monthly

30 Greenfield Ave
1+1 Beds 2 Baths 900-999
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Willowdale East

21 Westbrook Ave

Toronto

Charming Renovated Bungalow W/Finished Basement In Prime East York. Open Concept W/Main Floor Family Rm. Easy Access To Public Transportation And Walk To All Amenities Along The Danforth.

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$2,400/Monthly

21 Westbrook Ave
2+0 Beds 1 Baths
For Lease , Residential

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

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

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, And Yonge St. Fea...

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$1,999/Monthly

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

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

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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.