Bayham buyers and sellers work with Treadstone Law entirely online — a flat, HST-included legal fee covers your purchase, sale, or refinance, and there's no office to visit at any point in the closing.
Our charges include HST. Disbursements and, on a purchase, Land Transfer Tax are extra and billed at cost — itemized upfront, in writing, never hidden.
Prices are “our charges” and include HST. Disbursements and Land Transfer Tax are extra, at cost, estimated in writing before you commit.
Every figure is from Statistics Canada’s 2021 Census of Population — real published data, current until the 2026 Census releases (2027).
Source: Statistics Canada, 2021 Census of Population, Census Profile — Bayham, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Bayham-specific mechanics we handle on every file — so nothing surprises you at closing.
Bayham is a municipality within the Elgin census division. Its properties register at Elgin Land Registry Office #11, and registration is completed electronically through ONLAND (Teraview).
You don’t “set up” property tax — we prorate it. The statement of adjustments credits whoever prepaid; after closing, the municipality bills you directly and you can enrol in pre-authorized payments.
ID verification, document review, and signing happen online — no office visit needed. In-person signings remain available across the province if you prefer.
Bayham buyers pay Ontario's provincial land transfer tax alone; Toronto remains the only Ontario municipality that layers on a municipal land transfer tax of its own. Our flat purchase fee is $1,354.87, HST included, with land transfer tax and disbursements itemized separately at cost so your closing statement is easy to follow. The 2021 Census recorded 2,435 total private dwellings in Bayham, with 2,264 occupied by usual residents. Detached home, farm property, or smaller dwelling — the flat fee and tax structure don't change.
Financing, inspection, status certificate — your offer’s conditions are legal protections, and waiving them is a legal decision. We review before you sign and flag the risks in plain language.
Buying pre-construction or an assignment carries its own tax and disclosure rules — ask us before you commit so nothing catches you at closing.
Selling in Bayham involves the standard steps for an Ontario closing: reviewing title, discharging your mortgage, responding to the buyer's requisitions, and releasing your proceeds on the closing date. Because land transfer tax is a buyer obligation, it has no effect on a seller's file. Our flat selling fee is $1,241.87, HST included, with disbursements shown on their own line.
Sellers don’t pay LTT. Your closing costs are the legal fee, discharge-related disbursements, and any mortgage payout penalties your lender sets.
We obtain your mortgage discharge statement, answer the buyer’s requisitions, and prorate taxes and utilities on the statement of adjustments.
Funds are wired the day of closing where possible. Selling a condo? We coordinate the status certificate the buyer’s lawyer will request.
Our Mortgage service covers new purchase mortgages, refinances, and private mortgage registrations against Bayham property, all for a flat $1,241.87 fee, HST included. We review the commitment letter, register the charge, and confirm lender conditions before funds move, whether the mortgage is new, a renewal refinance, or a private arrangement.
A new charge on a home you already own. We handle the lender’s requirements and register it — one flat fee.
Switching lenders or borrowing more? We manage the payout and discharge of your old mortgage and register the new one.
Borrowing from or lending to a private party. We paper it properly, register the charge, and protect your interests.
No — everything from reviewing your documents to signing and closing is handled online and by phone, without a local office visit.
No. Only Toronto has a municipal land transfer tax; Bayham buyers pay the provincial land transfer tax only.
The HST-included flat fee is our legal fee. Land transfer tax and disbursements are separate, at-cost items itemized on your statement.
Bayham properties register at Elgin Land Registry Office #11, electronically through ONLAND.
The 2021 Census recorded 2,435 total private dwellings in Bayham, with 2,264 occupied by usual residents.
Below are official government and land registry resources for Bayham buyers and sellers who'd like to review the details themselves.
Open your Bayham file in minutes — hear from your lawyer tomorrow.