Cornwall, a single-tier City in the Stormont, Dundas and Glengarry census division with a population of about 47,845, is served by our flat-fee real estate practice entirely online. Purchases, sales, and mortgages are each billed at one clear, HST-included price.
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 — Cornwall, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Cornwall-specific mechanics we handle on every file — so nothing surprises you at closing.
Cornwall registrations are completed electronically through Ontario's ONLAND (Teraview) system rather than at a physical land registry counter, which fits directly with how our fully online process handles every closing.
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.
As with every Ontario municipality outside Toronto, Cornwall buyers pay only the provincial land transfer tax — there's no separate municipal charge to plan for. We include a provincial land transfer tax estimate, and flag any rebate you may qualify for, in the closing cost breakdown we prepare when your file opens. Our flat fee for a purchase is $1,354.87, HST included, regardless of the property type; the land transfer tax and disbursements are additional, billed 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.
When you're selling in Cornwall, we arrange the discharge of your existing mortgage, respond to the buyer's lawyer's requisitions, and prepare the closing package that transfers title. Once closing funds are in, we calculate and release your proceeds without delay. Land transfer tax is the buyer's obligation, so it doesn't affect your file as a seller. Our sale fee is a flat $1,241.87, 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.
Our Mortgage service covers new purchase mortgages, refinances, and private mortgage registrations on Cornwall properties, all for one flat fee of $1,241.87, HST included. We review the lender's commitment letter, prepare and register the charge on title, and verify the lender's conditions are met before funds are released.
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 need to locate a Cornwall office — our process for reviewing documents, arranging signing, and closing runs entirely online and by phone.
No. Cornwall follows the standard Ontario rule: only Toronto has a municipal land transfer tax. Cornwall buyers pay the provincial land transfer tax alone.
Nothing is. HST is already folded into our flat rate, and the two costs that sit outside it — the provincial land transfer tax and, if you want it, title insurance — are billed as their own line items at what they actually cost.
Electronically, through Ontario's ONLAND (Teraview) system — the same system that makes our fully online process possible for Cornwall files.
Cornwall is a single-tier City of about 47,845 people, and its size has no bearing on our process — every file, large market or small, gets the same flat-fee, fully online treatment.
Below are official government and land registry resources for Cornwall buyers, sellers, and owners who want to review the details for themselves.
Open your Cornwall file in minutes — hear from your lawyer tomorrow.