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Featured Listings

Listings   

3 Battenberg Ave

Toronto

Welcome To 3 Battenberg Avenue!Professionally Landscaped, Modern 3 Storey, 4 Bdrms, 4 Baths W/Priv Driveway, Plenty Of Parking And Detached Garage Located In The Prime Beaches Neighbourhood And 600 Metres From The Boardwalk! Open Concept Main Floor With Gourmet Kitchen, Stainless...

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$1,999,000

3 Battenberg Ave
4+1 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Woodbine Corridor

65 Glenshaw Cres

Toronto

Welcome To A Luxurious Brand New Custom Build Home In The Sought After Area Of Parkview Hills. No Expenses Spared. Stunning Residence W/High-End Finishes, Chef Inspired Kitchen W/ Quartz Waterfall Island & Butler's Pantry, Hickory Hw Flr, Family Rm With W/O To Large Deck, Custom ...

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$2,449,000

65 Glenshaw Cres
4+0 Beds 5 Baths 2500-3000
For Sale , Residential

  • Type: Residential For Sale 
  • Community: O'Connor-Parkview

Th272 - 15 Greenview Ave

Toronto

Executive Tidel Built Townhouse In The Heart Of North York! Freshly Painted, Brand New Custom Hardwood Fls(M/F), Quarts Counter Top, Backsplash,10Ft Ceiling Height( M/F), Fireplace, Crown Moldings, Direct Access To Two Parkings And Condo Facilities From 2/F, Huge Master Bedroom W...

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$999,000

15 Greenview Ave
3+0 Beds 3 Baths 1600-1799 0
Sold , Condominium

  • Type: Condominium Sold 
  • Community: Newtonbrook West

61 Fenelon Dr

Toronto

Opportunity Knocks! Lovingly Maintained By Current Owners For Over 20 Yrs! Raised Bungalow In Desirable Parkwoods Community.This Former 4Bed (Ez Converted) Offers Spacious Floorplan W/Hardwood T/O.Quaint Sunfilled Eat In Kitchen.Bsmt Boasts 2 Sep Entrances,Huge Windows,Wood Burni...

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$795,000

61 Fenelon Dr
3+1 Beds 1 Baths
 , Residential

  • Type: Residential  
  • Community: Parkwoods-Donalda

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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$2,200/Monthly

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

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

Bsmt - 400 Summerhill Ave

Toronto

Very Large One Bedroom Bsmt Unit Available In The Prestigious Rosedale Summerhill Neighbourhood! Huge Above Grade Windows Fill The Space With Light - Does Not Feel Like A Basement! Conveniently Located By The Popular Summerhill Market, Coffee Shop, Specialty Foods, Rosedale Park....

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$1,500/Monthly

400 Summerhill Ave
1+0 Beds 1 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Rosedale-Moore Park

Bsmt - 23 Carluke Cres

Toronto

Spacious, Cozy And Clean Lower Level 2 Bedrooms Apartment With Walk-Out Entrance In The Coveted St. Andrews Neighborhood. Family Oriented Street. Bus Stop At The Door. Very Convenient Location, Safe Neighborhood, Best Schools In The Area - Owen Ps, St Andrew's Ms, York Mills Ci. ...

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$1,600/monthly

23 Carluke Cres
2+0 Beds 1 Baths
For Lease , Residential

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

2302 - 15 Fort York Blvd

Toronto

N1 Condos At Cityplace! Bright & Spacious, True 1 Bedroom + Den Condo W/ Parking In Heart Of Downtown. This Sun Filled Suite Boasts Over 600S.F. Of Living Space. Situated On A High Floor With Beautiful Unobstructed Lake & City Views.Upgraded Kitch W/ Granite Counters, Ensuite Lau...

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$634,900

15 Fort York Blvd
1+1 Beds 1 Baths 500-599
For Sale , Condominium

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

Bsmt - 1877 Una Rd

Pickering

Lovingly Maintained Two Bedroom Basement Apartment Available For Immediate Possession In Desirable Amberlea! Comes With One Parking On The Driveway. Only One Minute Walk To The Nearest Bus Stop. Groceries, Restaurants, Pickering Town Centre And The 401 Are Only One Minute Drive A...

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$1,300/Monthly

1877 Una Rd
2+0 Beds 1 Baths
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Amberlea

533 - 22 East Haven Dr

Toronto

Haven On The Bluffs, New Condo, High Demand, Prime Location. Upgraded Kitchen And S/S Appliances. Steps To Ttc, School, Shopping Centres. Minutes To Scarborough Bluffs, Building Equipped With Party Room, Gym, 24Hr Concierge And Many More. Must See.

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$1,750/Monthly

22 East Haven Dr
1+0 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Birchcliffe-Cliffside

533 - 22 East Haven Dr

Toronto

Prime Location, High Demand Area, Open Concept 1 Bedroom With Private Balcony, Nw View From The Balcony, Close To Scarborough Bluffs, Building Is Equipped With Gym, Party Room, 24 Hr Concierge. Must See

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$449,000

22 East Haven Dr
1+0 Beds 1 Baths 500-599
For Sale , Condominium

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

1801 - 365 Church St

Toronto

Luxurious Three Years New Condos Built By Menkes. Excellent Layout Of 1+1 Den Unit. Unobstructed Magnificent View Of The City And Cn Tower. Spacious And Bright. Open Concept, High End Modern Finish With All S/S Appliances, Large Balcony. Superb Location, Walking Score 96, Steps T...

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$1,950/Monthly

365 Church St
1+1 Beds 1 Baths 500-599
For Lease , Condominium

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

76 Droxford Ave

Toronto

Stunning All Brick Detached Home In Saught After Prestigious Neighbourhood Of Wexford. Beautiful Tree Lined Street. Family Oriented Quiet Neighbourhood. 3 Bedroom Upstairs And Extra Large 2 Bedrooms In The Basement. Separate Entrance To Basement. 2 Kitchens In The House. Newly Re...

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$899,000

76 Droxford Ave
3+2 Beds 2 Baths
For Sale , Residential

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

1704 - 33 Charles St E

Toronto

Super Spacious Bachelor At Yonge And Bloor, Luxurious Casa Condo. 486 Sf (431 + 54 Sf) Studio With Open South View Of Toronto Skylines. Floor To High 9' Ceiling. Wall To Wall Window With Walk-Out Balcony. Steps To Yonge & Bloor Subway, Shops, Restaurants, Supermarket, Yorkville,...

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$1,600/Monthly

33 Charles St E
1 Baths 0-499
For Lease , Condominium

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

704 - 10 Sunny Glenway

Toronto

Move In Condition 3 Bdrm, Mins To Ttc, Dvp, 401, Downtown, Shops, Schools! Building Loaded With Facilities Indoor Pool, Sauna, Gym, Party Room, Etc. Rent Includes Fridge, Stove, Heat, Hydro, Water, Cable Tv, Building Insurance, Underground Parking, Etc. Underground Parking Availa...

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$2,200/Monthly

10 Sunny Glenway
3+0 Beds 2 Baths 1000-1199
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Flemingdon Park

1006 - 284 Bloor St W

Toronto

Large 1 Bedroom Plus Den W/ 9.5 Ft Ceiling & Bright Courtyard View At St.George Mews. Steps To The St George Subway & U Of T. Short Walk To Yorkville, Shopping, Museums, Art Galleries & Restaurants. Amenities Including Patio W/ Bbq, Party Room & Exercise Room. Upgraded Laminate F...

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$2,050/Monthly

284 Bloor St W
1+1 Beds 1 Baths 700-799
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Annex

39 Russett Ave W

Toronto

Beautiful, Bright, Spacious Open Concept Home. Close To Good Schools, Park, Restaurants, Bars, Cafes, Shopping, Close To Dufferin Mall And More. Minutes To Subway Station And 24 Hours Ttc. Great Location To Live In. Bsmt Is Not Included. 2/3 Utilities. 1 Month Notice Before Move ...

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$4,500/Monthly

39 Russett Ave W
4+0 Beds 2 Baths
For Lease , Residential

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

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

210 - 21 Hillcrest Ave

Toronto

Convenient Location! Luxury Condo In The Heart Of North York City Centre. Total 692 Sq.Ft. Spacious One Bedroom Corner Unit With Huge Windows. Bright, Open Concept Living/Dining Space, Steps To Subway Station, Supermarket, Theatre, Government Office, Banks, Shops & Restaurants. ...

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$1,800/monthly

21 Hillcrest Ave
1+0 Beds 1 Baths 600-699
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Willowdale East

1516 - 25 Telegram Mews

Toronto

Welcome To Montage In The Heart Of Downtown! This Bright & Spacious 2 Bedroom Condo Features Over 800 S.F. Of Living Space(783Sf +35Sf), 2 Separate & Self Contained Bedrooms With 4Pc Ensuite Wshrms & A W/I Closet. Recently Renovated, New Embossed Flooring For The Natural Wood Loo...

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$699,000

25 Telegram Mews
2+0 Beds 2 Baths 700-799
For Sale , Condominium

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

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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.