Serving the Town of Cobourg with flat-fee real estate law, handled without a single visit to a physical office. One transparent price, taxes included, across buying, selling, and mortgage files. Get your file started online today.
“The private sale I was part of had no realtor involved, and having someone walk me through what a realtor usually handles gave me confidence.”
Z.D. · Private home sale · Peterborough
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 Cobourg 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 — Cobourg, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
| Authority | Ganaraska Region Conservation Authority |
|---|---|
| Head office | 2216 County Road 28, Port Hope, ON, L1A 3V8 |
| Phone | 905-885-8173 |
| Website | grca.on.ca |
| Watershed area | 928 km² |
Development in a regulated area, and interference with a wetland or watercourse, are prohibited by section 28 of the Conservation Authorities Act without a permit under section 28.1, issued by the authority — not the municipality — under O. Reg. 41/24. Watershed boundaries follow drainage rather than municipal lines, so a property at the edge of Cobourg can fall under a neighbouring authority; confirm for the specific address.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The Cobourg-specific mechanics we handle on every file — so nothing surprises you at closing.
Cobourg title registrations go through the Northumberland Land Registry Office (LRO #39), filed electronically via ONLAND (Teraview), which fits directly into the paperless process we already run for the rest of your file.
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.
Cobourg buyers pay Ontario's provincial land transfer tax and no municipal add-on, since Cobourg doesn't levy a separate land transfer tax the way Toronto does. We work that provincial LTT figure into your quote right from the start and note any rebate that might reduce it. Cobourg's population as of the 2021 census was 20,519, across 9,520 total private dwellings, with 9,134 occupied. Century home or new build, the same flat fee and single tax layer apply throughout.
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.
When you sell in Cobourg, we handle the usual pieces of the closing: paying off any mortgage registered against your title, responding to requisitions from the buyer's lawyer, and calculating your proceeds so they're ready to release once the deal closes. Because land transfer tax is charged to buyers, it doesn't reduce what you net from the sale. We update you at each stage of the transaction, not just at the finish.
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 handles new purchase mortgages, refinances, and private mortgage registrations on Cobourg properties, all for one flat, tax-included fee. We review your lender's commitment letter, register the charge on title, and confirm the lender's conditions are cleared before funds move. The price is the same no matter which of the three applies.
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.
There's no office to visit in person — Cobourg files move through document review, e-signing, and closing online and by phone, so you get local service without the drive.
No. Cobourg buyers pay only the provincial land transfer tax; the added municipal land transfer tax exists solely in Toronto.
Our flat fee already has HST built in. What you owe the government — the provincial land transfer tax being the main one — plus anything optional, like title insurance, shows up as its own separate line.
The Northumberland Land Registry Office, LRO #39, with registration completed electronically through ONLAND — that filing is included in your flat fee.
No — we plan around the date already fixed in your agreement of purchase and sale and start title and mortgage work as soon as you retain us.
Here are official government and land registry links for Cobourg homebuyers and sellers who want to review the underlying details.
Sourced, dated municipal and provincial data for Cobourg — not legal advice, just the facts a closing touches.
Ganaraska Region Conservation Authority (905-885-8173, website). Development in a regulated area, or interference with a wetland or watercourse, needs a permit from the conservation authority — separate from municipal approvals — under section 28.1 of the Conservation Authorities Act.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The property-tax adjustment on the statement of adjustments doesn't set up a new tax account — it simply divides the current tax bill between buyer and seller as of closing day, crediting whichever side prepaid past their ownership. After closing, the municipality bills the new owner 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 Cobourg file in minutes — hear from your lawyer tomorrow.