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Featured Listings

Listings   

4 Cheryl Shepway

Toronto

Stunning North York, 2-Storey Bright & Spacious, 3+1 Bdrm Townhome. Attractively Decorated Top To Bottom! Fam - Size Updated Eat-In Kitchen W/Quartz Counters. W/O To Sun Filled Balcony. Entertainers Size Living/Dining Rooms. Side Entr To Driveway & Garage! Extensive Upgrades Thro...

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$858,000

4 Cheryl Shepway
3+1 Beds 2 Baths 1400-1599
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Don Valley Village

1112 - 8 Mondeo Dr

Toronto

Stunning Mondeo Springs Bright & Spacious One (1) Bedroom Condo. Attractively Decorated Top To Bottom! Fam-Size Kitchen W/ Breakfast Bar. Entertainers Size Living/Dining Area. W/O To Sun Filled Balcony. Extensive Upgrades Throughout Including Kitchen Cabinets, Bathroom & Newer La...

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$500,000

8 Mondeo Dr
1+0 Beds 1 Baths 600-699
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Dorset Park

611 - 2150 Lawrence Ave E

Toronto

Brand New Condo Building, Facing Nw, Modern Kitchen With Granite Counter Top And Stainless Steel Appliances, Building Is Equipped With 24 Hr. Concierge, Gym, Billiard Room, Guest Suites, As Well As Swimming Pool Located In Ph1 At 1328 Birchmount Road. Must See!

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$2,250/Monthly

2150 Lawrence Ave E
2+0 Beds 2 Baths 800-899
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Wexford-Maryvale

804 - 210 Victoria St

Toronto

Fabulous Bachelor Right In The Downtown Core. The Prestigious Pantages Tower, With Access To Luxury Hotel Amenities. The Most Convenient Location - Walking Distance To Subway, Eaton Centre, Dundas Square, Universities And Hospitals. Newer Laminate Flooring Throughout. Excellent C...

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$1,700/Monthly

210 Victoria St
1 Baths 0-499
For Lease , Condominium

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

313 - 2150 Lawrence Ave E

Toronto

Modern 3 Bedroom And 2 Washroom, Bright And Spacious Condo Unit, Located At Birchmount And Lawrence, High Demand Area. Nice And Modern Kitchen. Big Balcony Facing East, Courtyard. Building Is Equipped Wit 24 Hr Concierge, In-Home Security System, Gym, Guest Suites, Billiard Roo...

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$549,000

2150 Lawrence Ave E
3+0 Beds 2 Baths 900-999
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Wexford-Maryvale

4312 - 251 Jarvis St

Toronto

Brand New Never Lived In 1 Br+Den W/ Unobstructed Breathtaking View From 43rd Floor! Amazing, Practical Layout Of One Plus Den. Modern Kitchen W/ Quartz Countertop, Stainless Steel Appliances! Ttc At Your Doorstep & Steps To Subway, Ryerson, St Michael Hospital Eaton Centre, Dund...

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$1,850/Monthly

251 Jarvis St
1+1 Beds 1 Baths 500-599
For Lease , Condominium

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

Bsmt - 9 Vanhorn Crt

Markham

1Bedroom Basement Apartment In Prestigious Bayview/John Area, Separate Entrance, Separate Laundry, Utilities Included, 4Pc Bathroom, Very Quiet Street(Cul De Sac).

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$1,250/Monthly

9 Vanhorn Crt
1+0 Beds 1 Baths < 700
For Lease , Residential

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

151 Poyntz(W/O Bsm.Apt) Ave W

Toronto

Location!Location!Modern&Completely High End Renovated W/O One Bdr. Basement Apartment In A Detached Home,With Separate Entrance,5Min. To 2 Subway Lines. Bright & Spacious, Featuring Hardwood Fl., Led Pot Lights Throughout,Built In Ceiling Speaker System,Blinds, New Bathroom W/Mo...

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$1,950/Monthly

151 Poyntz(W/O Bsm.Apt) Ave W
1+0 Beds 1 Baths 1500-2000
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Lansing-Westgate

2810 - 210 Victoria St

Toronto

Super Spacious Bachelor In Luxurious Pentages Tower. Unbeatable Location In The Heart Of Downtown Toronto, Steps To Eaton Centre, St Michael Hospital, Ryerson, Dundas And Queen Subway Station, Financial District And All Amenities. Amazing View From 28th Floor. Much Bigger Than Mo...

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$1,800/Monthly

210 Victoria St
1 Baths 0-499
For Lease , Condominium

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

704 - 8 Mckee Ave

Toronto

Tridel Built Spacious 2 Bedroom + Den Unit + 1 Parking + 1 Locker. Laminate Floor For Living And Dining, Carpets For Bedrooms. Split Bedroom Layout *Over 1000 Sq Ft*. White Kitchen With Granite Countertop & Ceramic Backsplash. Large Master Bedroom And Huge Walk-In Closet And 4 Pi...

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$599,888

8 Mckee Ave
2+1 Beds 2 Baths 1000-1199
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Willowdale East

1008 - 1 Michael Power Pl

Toronto

Furnished 1 Bdrm+Spacious Den. Located In The Heart Of Etobicoke Trendy Islington Village. 9 Foot Smooth Ceilings, Open Concept, Kitchen With Eat-In Quartz Countertops, Filtration System Upgraded Backslash, Engineered Hardwood Flooring Throughout. Overlooking South West View, Bal...

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$2,350/Monthly

1 Michael Power Pl
1+1 Beds 1 Baths 600-699
For Lease , Condominium

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

214 Richmond St

Richmond Hill

Newly Renovated Home On Premium Lot. Perfect For Entertaining W/ Fabulous Brand New Kit.& High-End Appliances. Feat.4 Good Size Bdrms, Master Ensuite, Huge Sun Filled Family Rm W/Fire Place W/O To Backyard, Side Ent., Practical Liv/Din Rm W/Lrg Window, Finished Bright & Spacious ...

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$1,498,000

214 Richmond St
4+0 Beds 3 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Mill Pond

4808 - 65 Bremner Blvd

Toronto

Executive 2 Bdrm+Den Furnished Condo @ Maple Leaf Square. The Interior Of This Suite Has Been Professionally Decorated To Perfection! Located On The 48th Floor, This Corner Suite Has An Abundance Of Natural Light & Spectacular City & Lake Views Makes For An Entertainer's Dream! W...

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$3,895/monthly

65 Bremner Blvd
2+1 Beds 2 Baths 1000-1199
For Lease , Condominium

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

17 Ravenhill Cres

Markham

Detached Home In Quiet High Demand Area On Large Lot With Pond And Shed In Garden, Hardwood Throughout (Under Existing Carpet).Main Floor Laundry Room Finished Walkout Basement With Large Open Recreation Area With Wet Bar, Kitchen And 4 Pc Bath. Oversized Double Garage. Extended ...

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$1,887,000

17 Ravenhill Cres
4+1 Beds 4 Baths 3500-5000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Milliken Mills East

316 - 1 Belsize Dr

Toronto

Super Spacious Bachelor In Brand New Building, Never Lived In. 425 Sqft As Per Builder. A Boutique Building By Mattamy, Top Quality Material And Finishes. Couple Minutes Walk To Davisville Station, Yonge Subway Line. Walk To Shops, Restaurants, Cafes, Kay Gardiner Beltline Trail ...

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$1,600/Monthly

1 Belsize Dr
1 Baths 0-499
For Lease , Condominium

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

1664 - 209 Fort York Blvd

Toronto

Amazing Penthouse Studio In Luxurious Neptune 2 Condo, With 9 Foot Ceilings And Excellent Views, Located In Superb Downtown Toronto Location, Close To Street Car Stops To Union Subway, Shops, Restaurant, Park, Supermarket And All Amenities.Historic Fort York Area. Walk To The Lak...

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$1,700/Monthly

209 Fort York Blvd
1 Baths 0-499
For Lease , Condominium

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

5 - 108 Redpath Ave

Toronto

Beautiful Townhouse Located On Toronto's Most Desirable Neighborhood, Facing East Interior Courtyard, Cozy & Quite! Laminated Throughout, Open Concept Layout, Air Condition Unit Replaced Aug 2017, Indoor Visitor Parking, . On-Site Property Management. Hydro And Gas Paid By Tenant...

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$2,650/monthly

108 Redpath Ave
2+0 Beds 2 Baths 900-999
For Lease , Condominium

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

2307 - 33 Charles St E

Toronto

1 Bedroom Suite On The 23rd Floor, Unobstructed View Of The City, Yonge & Bloor Area. Bright And Spacious Suite, With Lots Of Natural Light. Hardwood Floors. Outdoor Pool. Fitness Centre. Easy Access To Yorkville, Ttc, U Of T, And Museum. Total Sqft 645 (Interior 570 +Exterior 75...

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$2,600/Monthly

33 Charles St E
1+0 Beds 1 Baths 600-699
For Lease , Condominium

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

Bsmt - 6 Laurie Shepway

Toronto

Absolutely Immaculate One Bedroom Basement For Rent. Heat, Hydro, Water, Cable Tv, Wireless Internet Included, Laundry... Mins To Ttc, Dvp, Downtown, Shops, 5 Min Walk To Leslie Subway, Etc...Huge Basement All For Your Self **No Parking**Microwave Cooking**Shared Entrance**No Pet...

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$900/monthly

6 Laurie Shepway
1+1 Beds 1 Baths 800-899
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Henry Farm

15 Aldershot Cres

Toronto

Location, Location, Location! Incredible Opportunity For Investor, Builder's And First Time Buyers, Live In Renovate Or Build Your Dream Home On This 60 X 125 Ft Corner Lot In The Prestigious St. Andrews, Multi Million Dollar Homes. Master Bedroom Has Been Converted To Family Roo...

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$2,399,000

15 Aldershot Cres
3+0 Beds 2 Baths
For Sale , Residential

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

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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.