Serving the Town of Cobourg with flat-fee real estate law, handled without a single visit to a physical office. One transparent price, HST included, across buying, selling, and mortgage files. Get your file started online today.
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 — Cobourg, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
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, HST-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.
Open your Cobourg file in minutes — hear from your lawyer tomorrow.