Carlow/Mayo is a lower-tier township of 953 residents within Hastings County. For a real estate closing there's just one process here: flat fee, taxes included, purchase or sale or mortgage, handled by phone, email, and e-signature.
“The condo I bought had a pending special assessment, and I was glad it was flagged and explained before I closed rather than after.”
J.Y. · Condo purchase · Belleville
Shared with permission. Initials changed to protect client privacy.
Our charges include applicable taxes. 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 applicable taxes. Disbursements and Land Transfer Tax are extra, at cost, estimated in writing before you commit.
Purchase price aside, this is what a buyer in Carlow/Mayo sees on the closing statement: our fee, then the disbursements we estimate on your behalf, then the government taxes — each sourced and dated. We don't total these into one figure; disbursements vary by file and are itemized in your written quote.
| Line item | $600,000 | $900,000 | $1,200,000 |
|---|---|---|---|
| Our fee (flat, any price) — 13% HST included | $1,354.87 | $1,354.87 | $1,354.87 |
| Estimated disbursements — billed at cost, itemised in your written quote; they vary by file | |||
| Teranet search fees & disbursements (registrations, searches, bank fees) — estimate | $583.26 | $583.26 | $583.26 |
| Technology & file management — estimate | $332.05 | $332.05 | $332.05 |
| Title insurance (example premium, varies by insurer and price) | $513.80 | $805.40 | $1,097.00 |
| Government charges | |||
| Ontario land transfer tax | $8,475.00 | $14,475.00 | $20,475.00 |
| First-time buyer refunds, if you qualify | − up to $4,000 | − up to $4,000 | − up to $4,000 |
Disbursements vary by file and are itemized, estimated in writing, before any work begins — these lines are estimates, not quotes. Ontario refunds up to $4,000 of the land transfer tax for first-time buyers, applied by your lawyer at registration.
Sources: Ontario electronic land registration fee, 2026-09-17: ontario.ca (rises to $86.42 per instrument from 2026-11-02); TitlePLUS residential premium schedule, 2026-09-17: titleplus.ca; Ontario land transfer tax, 2026-09-17: ontario.ca.
See the full breakdown on our Ontario real estate lawyer fee guide or flat-fee pricing page.
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 — Carlow/Mayo, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Carlow/Mayo-specific mechanics we handle on every file — so nothing surprises you at closing.
Carlow/Mayo properties register through the Hastings Land Registry Office (LRO #21); registration is completed electronically through ONLAND, so the township's lower-tier status within Hastings County has no bearing on how the file is filed.
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.
Buying property in Carlow/Mayo means paying Ontario's provincial land transfer tax, with no municipal tax added — Toronto remains the only Ontario municipality that charges its own on top of the provincial rate. We put your provincial LTT estimate into your cost summary from day one, and check whether a first-time buyer rebate applies to your file. According to the 2021 census, Carlow/Mayo had 663 private dwellings, with 416 occupied by usual residents; both figures are stated directly, with no attempt to explain the difference. Purchases are handled for a flat $1,354.87, taxes included, with land transfer tax and disbursements itemized separately at cost.
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 Carlow/Mayo sale goes through the usual Ontario steps: discharging any existing mortgage, responding to the buyer's requisitions on title, and preparing the statement of adjustments in time for closing. Since land transfer tax is a buyer's cost, it doesn't touch a seller's bottom line. Our sale service is $1,241.87 flat, taxes included.
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 Carlow/Mayo property go through our Mortgage service for a flat $1,241.87, taxes included — covering commitment letter review, registering the charge, and confirming the lender's conditions are satisfied before funds flow on closing day.
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 — our closings are handled by phone, email, and e-signature, so a Carlow/Mayo file moves the same way as any other file we handle.
No. Buyers here owe only Ontario's provincial land transfer tax; the municipal version is unique to Toronto.
Land transfer tax, disbursements, and optional title insurance — real costs paid to the government or a third party, each listed out separately from our legal fee.
The Hastings Land Registry Office, LRO #21, with electronic filing through ONLAND included in your flat fee.
No — Carlow/Mayo's lower-tier status within Hastings County is a governance detail; the closing process, fee, and timeline follow the agreement of purchase and sale like any other file.
Below are official government and land registry resources for Carlow/Mayo homebuyers and sellers who want to review these details directly.
Ontario land transfer tax is the largest single line on most closing statements, and it is due in full on closing day. Enter a price to see the bracket-by-bracket calculation, the first-time buyer refund, and — where they apply — the Toronto municipal tax and the Non-Resident Speculation Tax. Full workings and the rate sources are on the land transfer tax calculator.
Open your Carlow/Mayo file in minutes — hear from your lawyer tomorrow.