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Featured Listings

Listings   

2201 - 101 Erskine Ave

Toronto

Brand New Unit With Locker Tridel Luxury Condo, 1 Bedroom + Den. 9Ft Ceilings. Laminate Floor Through Out. Open Concept, Living And Dinning Are Combined W/Walkout To Big Balcony, Unobstructed View.Floor To Ceiling Windows.Front Load Washer And Dryer In Addition To Fridge, Stove, ...

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$2,000/Monthly

101 Erskine Ave
1+1 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Mount Pleasant West

58 Laskin Dr

Vaughan

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. W/O To Cozy & Quiet Back Yard Through Lower Level.Close To Sc...

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$1,388,000

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

  • Type: Residential For Sale 
  • Community: Patterson

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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$1,495,000

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

  • Type: Residential For Sale 
  • Community: Newtonbrook West

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

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

1305 - 18 Kenaston Gdns

Toronto

Beautiful, Functional 1-Bedroom Du Pont Model In The Rockefeller, Built By Daniels Good-Sized Locker And Parking Space Bayview Station (Sheppard Subway) Within Same Block Bayview Village Mall W/Loblaws Across Street, On Sheppard Close To Hwy 401 Short Drive To Oriole Go Statio...

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$456,000

18 Kenaston Gdns
1+0 Beds 1 Baths 500-599
Sale Pending , Condominium

  • Type: Condominium Sale Pending 
  • Community: Bayview Village

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

65 Windsor Rd

Toronto

3 Br Corner Lot, Bungalow Located In Central Etobicoke, Close To Transit, Go Train, Major Highways, Schools And Shopping. Would Be An Amazing Opportunity For Builders Or Renovators. ***Easy Showings***

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$749,900

65 Windsor Rd
3+1 Beds 2 Baths 1500-2000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Kingsview Village-The Westway

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+3 Beds 16 Baths 5000+
For Sale , Residential

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

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

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

807 Gerrard St E

Toronto

High-Quality Investment Opportunity In Red Hot Riverdale High Exposure Commercial Storefront At The Corbner Of Gerrard St East And Logan Avenue With Two Well Appointed Residential Apartments Recent Improvements Include New Roof, Kitchen, Washroom And Flooring Turn Key Ready To Re...

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$1,650,000

807 Gerrard St E
2+0 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: South Riverdale

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

1811 - 750 Bay St

Toronto

The Penrose Recently New Flr, New Paint Updated Very Bright, Clean, Spacious & Rarely Offered 2+1 Bdrm Unit Approx 963 Sq.Ft. Neutral Color, Great Layout & Good Use Of Space, Large Separate Den W/Closet - Could Be 3rd Bdrm, Laminated Floor Throughout, Marble Floor, Granite Vanity...

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$3,300/monthly

750 Bay St
2+1 Beds 2 Baths 900-999
For Lease , Condominium

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

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

4621 - 5 Sheppard Ave E

Toronto

Welcome To Luxurious Signature Residence In Iconic Hullmark Building! Enjoy All The Perks Of Being Right At Yonge & Sheppard Direct Access To Two Subway Line Indoor Access To Whole Food Store Walk To Keg And Upcoming Restaurants, Mins To 401. Features Include 10 Ft CeilingsHardwo...

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$1,690,000

5 Sheppard Ave E
2+1 Beds 3 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Willowdale East

4621 - 5 Sheppard Ave E

Toronto

Welcome To Luxurious Signature Residence In Iconic Hullmark Building! Enjoy All The Perks Of Being Right At Yonge & Sheppard Direct Access To Two Subway Line Indoor Access To Whole Food Store Walk To Keg And Upcoming Restaurants, Mins To 401. Features Include 10 Ft CeilingsHardwo...

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$4,950/monthly

5 Sheppard Ave E
2+1 Beds 3 Baths 1400-1599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Willowdale East

309 - 38 William Carson Cres

Toronto

Newly Renovated Upscale Low-Rise Condo Situated On A Quiet Treed Crescent In Hogs Hollow With Ravine Views. 750 Sf, 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 York...

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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

309 - 38 William Carson Cres

Toronto

Newly Renovated! 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 S...

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$2,450/monthly

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

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

3335 - 68 Corporate Dr

Toronto

Luxury Condo Built By Tridel. Spacious 1 Bedroom Plus Den/Solarium With Unobstructed South View. Minutes To Hwy 401, Scarborough Town Centre, Schools, Etc. Plenty Of Visitor Parkings And Great Amenities.

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$2,100/monthly

68 Corporate Dr
1+1 Beds 1 Baths 700-799
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Woburn

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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.