From a lakeside cottage to a village home, Dysart et al real estate closings run fully online with Treadstone Law — a single flat legal fee, taxes included, whether you're buying, selling, or refinancing.
“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 Dysart et al 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 — Dysart et al, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Dysart et al-specific mechanics we handle on every file — so nothing surprises you at closing.
Dysart et al is a municipality in the Haliburton census division, and its properties register at Haliburton Land Registry Office #19, with title changes recorded electronically through ONLAND (Teraview).
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.
Purchases in Dysart et al are subject to Ontario's provincial land transfer tax only; a municipal land transfer tax applies nowhere in Ontario apart from Toronto. Our flat purchase fee is $1,354.87, taxes included, while the land transfer tax and disbursements are extra, itemized at cost on your closing statement. StatCan's 2021 Census recorded 7,298 total private dwellings in Dysart et al against 3,341 occupied by usual residents — a much wider gap than most municipalities, which Statistics Canada reports as a fact without offering a reason. Regardless of property type, our fee and process are the same for every buyer.
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.
Selling in Dysart et al follows Ontario's usual process: reviewing title, discharging any existing mortgage, responding to the buyer's requisitions, and releasing your proceeds on closing day. Land transfer tax is paid by the buyer, so it doesn't touch a seller's numbers. Our flat selling fee is $1,241.87, taxes included, with disbursements broken out separately.
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 Dysart et al property are handled for a flat $1,241.87 fee, taxes included. We review the lender's commitment, prepare and register the charge, and verify conditions are met before funds are released, keeping the file moving on the lender's timeline.
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.
Yes — our whole process, from document review through closing, is handled online and by phone, without any office visit required.
It doesn't. A municipal land transfer tax is unique to Toronto within Ontario, so Dysart et al buyers pay the provincial land transfer tax and nothing more.
Yes — it includes HST and covers our legal work on the file. The land transfer tax and disbursements sit outside that fee, billed at cost and listed on their own.
Dysart et al properties register at Haliburton Land Registry Office #19, electronically through ONLAND.
The 2021 Census counted 7,298 total private dwellings against 3,341 occupied by usual residents; StatCan reports the two figures separately without stating a cause.
Below are official government and land registry resources for Dysart et al buyers and sellers who want to look at the primary sources.
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 Dysart et al file in minutes — hear from your lawyer tomorrow.