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1712 - 330 Alton Towers Circ

Toronto Hot New Listing

Exceptional Unit With Designer Renovation W/2 Bedrms Plus Solarium, Executive Corner Unit With Oversized Balcony! Bright, Functional Layout, Split Bedrms W/Ensuite Bathrm., Features Top Quality Finishes Throughout Including Upgraded Kitchen (Lots Of Storage), Quartz Countertop, L...

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$499,000

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

  • Type: Condominium For Sale 
  • Community: Milliken

44 Silas Hill Dr

Toronto Great Investment

Welcome To This Classic Largest Layout (1839 Sqft) Fam Home W/ Invt Marble Step Entr. 4 +1 Bdrms, Galley Fam Size Eat-In Kitch (Ceramic), Living Rm & Din Rm W/Hdwd Flrs, 3 Bdrms Upstrs W/Mstr Updated 4 Pc Ensuite. Main Flr Fam Rm With Wd Burning Frpl, With 4th Bdrm & Powder Rm. S...

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$998,000

44 Silas Hill Dr
4+1 Beds 3 Baths 1500-2000
For Sale , Residential

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

10626 Bathurst St

Vaughan

Excellent Location * Beautiful End Unit With The Biggest Lot * Finished Basement Apartment With Separate Entrance And Kitchen * Bright & Spacious * Over 2000Sqft * Open Concept * Large Terrace * Spacious Master Bedroom With Spa-Like 4Pc Ensuite * 9Ft Ceilings On Main & Upper * Tw...

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$799,000

10626 Bathurst St
4+0 Beds 5 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Patterson

3 - 970 Avenue Rd

Toronto

Best Location In Midtown. Steps Away From Future Eglinton Crosstown Lrt. Short Walk To Shops & Subway. Excellent Schools Nearby.

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$1,800/monthly

970 Avenue Rd
2+0 Beds 1 Baths
For Lease , Residential

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

45 Leacock Cres

Toronto

Executive Newly Upgraded 4Br,4Bath Residence In Prime York Mills Location.W/O To Professionally Landscaped Spacious Backyard W In Ground Large Salt Water Swimming Pool.Short Walk To Denlow Ps,Windfields Jr High &York Mills Collegiate.Short Drive To Several Prestigious Private Sch...

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$4,990/Monthly

45 Leacock Cres
4+0 Beds 4 Baths 2000-2500
For Lease , Residential

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

25 Locust Lodge Gdns

Toronto

Overlooking Park. Double Car Garage . Townhouse Built By Mattamy Homes In Downsview Park. 9 Ceilings, Large Windows, Updated Open Concept Kitchen. With Walkout To Terrace, Quarts Countertop, Stainless Steel Appliances. Finished Basement With Heated Floor. Built-In Fireplace. Perf...

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$838,000

25 Locust Lodge Gdns
3+1 Beds 4 Baths 2000-2500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Downsview-Roding-CFB

81 Trethewey Dr

Toronto

Outstanding Location Bright Spacious Bungalow 2+2 On 50 Ft Wide Lot. Finished Basement With 2 Bedrooms, Separate Entrance+ Eat-In Kitchen For Rental Income Or In-Law Suite In A Very Exclusive Quiet Neighborhood, Solarium To Enormous Private Back Yard, Minutes Drive To Hwy 400 & 4...

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$799,000

81 Trethewey Dr
2+2 Beds 2 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Beechborough-Greenbrook

55 Dennett Dr

Toronto

Stunning 2-Storey Luxury Home In Upscale Agincourt Neighbourhood! 3300 Sqft Plus 1600 Sqft Finished Walk-Up Basement. 4 Bedrooms With Private Ensuite In Each Bedroom. Coffered Ceilings In Entire Main Floor And All Bedrooms With Quality Trim-Work Throughout The House. Gourmet Kitc...

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$2,199,999

55 Dennett Dr
4+1 Beds 6 Baths 3000-3500
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Agincourt South-Malvern West

111 Mckee Ave

Toronto

Beautiful Bright & Spacious Custom Built Home In Prime Location Across To Mitchell Field Community Centre. Steps To Mckee Ps, Short Walk To Earl Haig Ss. Great Walk Score To Access Ttc, Restaurants & Supermarket. Cherry Hardwood Flooring, Family Size Kitchen W/ Custom Cabinetry. ...

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$5,450/Monthly

111 Mckee Ave
4+1 Beds 5 Baths 3500-5000
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Willowdale East

1703 - 88 Blue Jays Way

Toronto

Welcome To Toronto's Bisha Private Residences And Boutique Hotel! A New Standard Of Elegance Located In The Heart Of The Entertainment District.This Stunning Suite Boasts Over 700 Sf Of Living Space,9' Ceilings, Gourmet Kitchen With Built-In Cabinet Finished Appliances, Large Isl...

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$725,000

88 Blue Jays Way
1+1 Beds 1 Baths 600-699
For Sale , Condominium

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

1203 - 2152 Lawrence Ave E

Toronto

Assignment Sale, Brand New Building, Move In End Of 2019. A Plus Location, Transit, Library, Hospital, Shopping, Building, 24 Hour Concierge Service. Swimming Pool, Underground Parking, Terrace For Bbq, Large Unit, Large Balcony. Peace Of Mind Security And Safety Features.

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$498,000

2152 Lawrence Ave E
2+0 Beds 2 Baths 800-899
For Sale , Condominium

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

1508 - 2152 Lawrence Ave E

Toronto

Assignment Sale, Brand New Building, Move In End Of 2019 Or Beginning Of 2020. A Plus Location, Transit, Library, Hospital, Shopping, Plazas, 24 Hour Concierge Service. Swimming Pool, Underground Parking, Terrace For Bbq, Large Unit, Large Balcony.

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$488,000

2152 Lawrence Ave E
2+0 Beds 2 Baths 800-899
Sale Pending , Condominium

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

1616 Alwin Circ

Pickering

Lovely End Unit Freehold Townhome. Like A Semi! In High Demand Heart Of Pickering, Close To All Amenities. Parks, Schools, Transit, Hwy 401, Shopping, Go Train! Spacious Entry. Bright & Open Concept! Gleaming Laminate Flrs! Cozy Fireplace & W/O To Yard. Carpet On Stairs, Upper La...

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$499,000

1616 Alwin Circ
3+2 Beds 3 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Village East

1205 - 100 Western Battery Rd

Toronto

Live In Toronto's Soho! The Most Vibrant Village In Town. Unobstructed Breathtaking View! Surrounded By Artisans Cafes, Restaurants, Shops And Offices. Close To Parks, Lake, And Highways. This Unit Has The Best Panoramic View Of The Building. Ready To Move In , 2 Bedroom With 2 W...

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$3,100/Monthly

100 Western Battery Rd
2+0 Beds 2 Baths 800-899
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Niagara

601 - 591 Sheppard Ave E

Toronto

Brand New Condo Beautiful Open Concept Suite (Bayview Viliage.) Boutique Building. Clear 6th Flr View (East), Lots Of Light/ Granite Countertop In Kitchen. Brand New Stainless Steel Appliances. Engineered Flooring. Walking Distance To Bayview Sheppard Subway, Bayview Village Mall...

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$1,995/monthly

591 Sheppard Ave E
1+0 Beds 1 Baths 500-599
For Lease , Condominium

  • Type: Condominium For Lease 
  • Community: Bayview Village

309 - 51 Baffin Crt

Richmond Hill

Bright And Sunny Spacious 1 Br With Rare 2 Pkg Spot And Locker. Excellent Location In Rh At The Gates Of Bayview Glen 2. Walking Distance To Viva/Go Transit Direct To Pearson Airport. Walk To Yonge St, Shopping, Entertainment And Restaurants. Building Is Well Maintained With Low ...

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$438,000

51 Baffin Crt
1+0 Beds 1 Baths 600-699
For Sale , Condominium

  • Type: Condominium For Sale 
  • Community: Langstaff

57 Marsh Rd

Toronto

Beautiful Modern Open Concept 4Bdrm Family Home In Up & Coming Area Of Clairlea/Birchmount. Open Concept Main Level W/10' Ceilings, Beautiful Kitchen W/Quartz Countertop +Centre Island& High End S/S Appliances.W/Out To Beautiful Deck &Fully Fenced Huge Backyard.Pot Lights Through...

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$1,199,000

57 Marsh Rd
4+0 Beds 4 Baths
For Sale , Residential

  • Type: Residential For Sale 
  • Community: Clairlea-Birchmount

14 John St

Markham

Fantastic Opportunity Steps From Yonge Street!!!! Either Live & Rent Now Or Reconfigure & Build For The Future**Property Has A Commercial Portion Of 34 Feet X 171 Feet (Irregular At The North)**34 Feet Along John St From The Western Limit Is Zoned Commercial**Entire Lot Is 101.5 ...

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$2,495,000

14 John St
4+0 Beds 3 Baths 2500-3000
Sale Pending , Residential

  • Type: Residential Sale Pending 
  • Community: Thornhill

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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$1,729,000

183 Gledhill Ave
3+1 Beds 4 Baths 2000-2500
For Sale , Residential

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

30 Grover Dr

Toronto

Beautiful 3 Bedroom House For Family. Very Convenient Location. Quiet Friendly Neighbourhood. Walk To Public And Catholic Schools, Library And Highland Creek Community Park Close By.

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$2,599/Monthly

30 Grover Dr
3+1 Beds 3 Baths 1500-2000
For Lease , Residential

  • Type: Residential For Lease 
  • Community: Highland Creek

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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.