Serving the Town of Essex with flat-fee real estate law, run start to finish without a single trip to an office. One clear, HST-included price for buying, selling, or a mortgage file. Open your file online and let's get started.
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 — Essex, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Essex-specific mechanics we handle on every file — so nothing surprises you at closing.
Essex properties register through the Essex Land Registry Office (LRO #12), with filing completed electronically via ONLAND (Teraview) — a system that fits neatly with the online process we already use 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.
Buying in the Town of Essex means paying Ontario's provincial land transfer tax and nothing beyond it — Essex doesn't impose its own municipal land transfer tax, which is a Toronto-only feature. We include that provincial LTT figure in your closing cost quote up front, along with any rebate you may be eligible to claim. As of the 2021 census, the Town of Essex had a population of 21,216, across 8,880 total private dwellings, of which 8,391 were occupied. Detached, semi, or condo, the same flat fee and tax structure carries through.
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 a property in the Town of Essex, we discharge any existing mortgage registered against the title, respond to the requisitions the buyer's lawyer sends over, and work out your net proceeds so they're ready to release once the sale closes. Since land transfer tax falls on the buyer's side, it has no impact on what you take away as the seller. We provide updates at each meaningful step of the file, not only right before closing.
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 financing, a refinance, or a private mortgage registration on a Town of Essex property all fall under our Mortgage service at one flat, HST-included fee. We work through the lender's commitment letter, get the charge registered against title, and check off every condition the lender requires before funds move. The fee stays the same across all three scenarios.
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 branch to locate — Essex closings run through document review, signing, and funding online and over the phone, so you get the same coverage without the drive.
No. Essex buyers pay only Ontario's provincial land transfer tax; the additional municipal land transfer tax only applies in Toronto.
The flat fee we quote already includes HST. Government charges such as the provincial land transfer tax, and optional items like title insurance, are itemized separately so you know exactly what's what.
The Essex Land Registry Office, LRO #12, with electronic registration through ONLAND — that filing step is part of your flat fee.
No — we build the file around the date already set in your agreement of purchase and sale and start title and mortgage work as soon as you retain us.
Below are official government and land registry resources for the Town of Essex, useful for buyers and sellers who want to verify the details on their own.
Open your Essex file in minutes — hear from your lawyer tomorrow.