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, HST included, purchase or sale or mortgage, handled by phone, email, and e-signature.
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 — 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, HST 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, HST 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, HST 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.
Open your Carlow/Mayo file in minutes — hear from your lawyer tomorrow.