Elgin County is seven municipalities south of London, with Central Elgin and Malahide as its larger members and Aylmer, Bayham, Southwold, West Elgin, and Dutton-Dunwich filling out the rest. Treadstone Law handles a closing anywhere in that footprint for one flat, disclosed fee.
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Seven municipalities make up Elgin County, and the population split is fairly even — Central Elgin and Malahide are the largest, Aylmer and Bayham sit in the middle, and Dutton-Dunwich, Southwold, and West Elgin are smaller and more rural. Treadstone Law's pricing doesn't track that split: $1,354.87 flat for a purchase, $1,241.87 for a sale, $1,241.87 for a mortgage refinance, taxes included, land transfer tax and disbursements added at cost. The same intake, document review, and signing steps apply whichever of the seven the property falls in.
Central Elgin · Malahide · Aylmer · Bayham · West Elgin · Southwold · Dutton/Dunwich
The same transparent pricing everywhere in Ontario — no city surcharges, no estimates.
$1,354.87
Flat, taxes included. Disbursements & Land Transfer Tax extra, at cost.
How buying works →$1,241.87
Flat, taxes included. New mortgages, refinances & private lending.
How it works →Purchase price aside, this is what a buyer in Elgin County 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.
The lawyer doesn't need to be physically inside Elgin County — Ontario licensing lets a real estate lawyer act on a closing anywhere in the province, including every municipality in the county.
$1,241.87, taxes included, the same figure across all seven Elgin County municipalities; land transfer tax and disbursements are separate and billed at cost.
Aylmer, Bayham, Central Elgin, Dutton-Dunwich, Malahide, Southwold, and West Elgin — seven municipalities in total.
No — the flat purchase, sale, and refinance fees and the closing steps are the same whether the property sits in Central Elgin or a smaller municipality like Southwold.
Development in a regulated area, and interference with a wetland or watercourse, require a permit under section 28.1 of the Conservation Authorities Act, issued by the conservation authority rather than the municipality under O. Reg. 41/24. Watersheds do not follow municipal lines, and Elgin County is reached by 5 watershed authorities — which one applies depends on where the property drains.
| Authority | Phone | Website |
|---|---|---|
| Catfish Creek Conservation Authority | 519-773-9037 | catfishcreek.ca |
| Kettle Creek Conservation Authority | 519-631-1270 | kettlecreekconservation.on.ca |
| Long Point Region Conservation Authority | 519-842-4242 | lprca.on.ca |
| Lower Thames Valley Conservation Authority | 519-354-7310 | lowerthames-conservation.on.ca |
| Upper Thames River Conservation Authority | 519-451-2800 | thamesriver.on.ca |
Authorities whose administrative area intersects Elgin County. Source: Conservation Ontario, Conservation Authority Boundaries (2023); confirm the authority for a specific address with Find a Conservation Authority. Retrieved 2026-08-10.
Sourced, dated municipal and provincial data for Elgin County — not legal advice, just the facts a closing touches.
5 authorities cover this county/region: Catfish Creek Conservation Authority, Kettle Creek Conservation Authority, Long Point Region Conservation Authority, Lower Thames Valley Conservation Authority, Upper Thames River Conservation Authority — which one applies depends on where the property drains. 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.
Deals for Elgin County register at the Elgin Land Registry Office (LRO #11), filed electronically through ONLAND.
Source: Ontario, Land registry offices (LRO) directory. Retrieved 2026-09-17.
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.
One flat fee for closings across Elgin County's seven municipalities, from Aylmer to West Elgin. Reach out to start your file.