Flat-fee real estate law for Cambridge, run entirely online — no office visit at any point. A purchase is priced at $1,354.87, a sale or mortgage at $1,241.87, HST already factored in; land transfer tax and disbursements are separate, billed at cost. Book your file online any time.
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 — Cambridge, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Cambridge-specific mechanics we handle on every file — so nothing surprises you at closing.
Cambridge properties register through the Waterloo North Land Registry Office (LRO #58), with the registration itself completed electronically through ONLAND (Teraview) — the exact setup our online process is built around.
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.
Cambridge is a City in Waterloo Region with roughly 138,479 residents as of the 2021 census, and buyers here pay only Ontario's provincial land transfer tax, since Toronto remains the sole Ontario municipality that adds a municipal land transfer tax. We charge a flat $1,354.87 for a purchase, HST included, across every property type, and your provincial LTT estimate is included in your closing cost breakdown from the outset. Where a first-time buyer rebate applies, it's flagged as part of that review, so nothing gets missed. Title search, mortgage instructions, and signing all happen online, so a Cambridge closing runs at the same pace throughout Waterloo Region.
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.
A Cambridge sale is a flat $1,241.87, HST included, covering discharge of your mortgage, responses to the buyer's requisitions, and prompt release of your proceeds on closing. As land transfer tax is a buyer's expense, it never touches a seller's file. We keep sellers across Waterloo Region informed at every step, from retainer to the funds landing in your account, so closing day goes as planned.
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.
New purchase mortgages, refinances, and private mortgage registrations on Cambridge properties all carry the same flat $1,241.87 fee, HST included. We review the lender's commitment letter, register the charge on title, and confirm all conditions are met so funds are ready when you need them. One fee, regardless of mortgage type.
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.
We take on Cambridge and Waterloo Region files without keeping a physical office — everything from reviewing your documents to signing to the closing call runs by phone and email instead.
No. Cambridge, as a City in Waterloo Region, follows the same rule as every Ontario municipality other than Toronto — provincial land transfer tax only.
It's our full flat legal fee, HST included, for a standard Cambridge purchase. The provincial land transfer tax and any disbursements are separate and itemized, billed at cost.
Cambridge properties register through the Waterloo North Land Registry Office, LRO #58, with filing done electronically through ONLAND (Teraview) as part of your flat fee.
Typically, yes. Once retained, we move quickly on title review and closing documents to protect the date already set in your agreement of purchase and sale.
Below are official government and land registry resources for Cambridge and Waterloo Region buyers and sellers who want to check the details themselves.
Open your Cambridge file in minutes — hear from your lawyer tomorrow.