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What the bill is made of
Here is what actually shows up on a residential purchase closing, and where each figure comes from. We never total these into one number -- disbursements vary by file and are itemized in your written quote.
| Line item | Amount |
|---|---|
| Our fee — Home Purchase (HST included)Set by us, published on our price list. | $1,354.87 |
| Estimated disbursements — billed at cost, itemised in your written quote; they vary by file | |
| Teranet search fees & disbursementsRegistrations, searches, bank fees. Estimate. | $583.26 |
| Technology & file managementSoftware, government access and office charges. Estimate. | $332.05 |
| Title insurance — example premium at $800,000Varies by insurer and price. Estimate. $655.74 premium + 8% PST, TitlePLUS residential rate schedule effective March 1, 2025. | $708.20 |
| Government charges | |
| Ontario land transfer tax — example at $800,000Marginal brackets, 0.5% to 2.5% of the purchase price. Paid to the province on closing, not to us. Computed. | $12,475.00 |
| Toronto municipal land transfer taxOnly in Toronto — matching amount, on top of the Ontario tax, same example price. Computed. | + $12,475.00 |
| First-time buyer refundsUp to $4,000 Ontario, $4,475 more in Toronto, applied against the tax lines above if you qualify. See our first-time buyer fee page for the worked numbers. | − up to $8,475 |
Disbursements vary by file and are itemized, estimated in writing, before any work begins. We do not total our fee, disbursements and taxes into one figure — see each line and its source above.
Land transfer tax at common prices
Tax only — not our fee, not a total. Computed from the sourced Ontario and Toronto brackets above, three common purchase prices, in and outside Toronto.
| Price | Location | Land transfer tax |
|---|---|---|
| $600,000 | Outside Toronto | $8,475.00 |
| $600,000 | Toronto | $16,950.00 |
| $900,000 | Outside Toronto | $14,475.00 |
| $900,000 | Toronto | $28,950.00 |
| $1,200,000 | Outside Toronto | $20,475.00 |
| $1,200,000 | Toronto | $40,950.00 |
Toronto rows include both the Ontario tax and Toronto's matching municipal tax (MLTT), combined. First-time buyer refunds are not applied here — see the buyer refund line above.
What is extra
Billed separately, at cost: Teranet search fees & disbursements (registrations, searches, bank fees); title insurance; technology & file management — all itemized and estimated in writing before any work begins.
How to pay, and what happens next
Open your file online — nothing is due to start most real estate files. Once we've reviewed the details, our Team sends a written quote itemizing our fee, HST, and every disbursement we can estimate before you sign anything. Our fee, the disbursements and any land transfer tax are paid from your closing funds on closing day — there's nothing to pay up front. If anything about your file turns out to be more complex than usual, we pause, explain what changed, and confirm the extra cost with you before doing the work.
Frequently asked questions
Does $1,354.87 include HST?
Yes. Every fee we publish is our charge with 13% HST already included. Teranet search fees & disbursements, title insurance and land transfer tax are separate charges from the government, Teranet and the insurer, billed at cost and itemized in writing before you close.
Is land transfer tax part of your fee?
No. Land transfer tax is a provincial tax paid to the government on closing, not to us -- and in Toronto, a matching municipal tax is owed on top of it. It's calculated on marginal brackets running from 0.5% up to 2.5% provincially (Toronto's brackets go higher above $3,000,000). See the land transfer tax table above for the exact numbers at common price points, in and outside Toronto.
Do I need title insurance?
Most lenders require it, and we recommend it even on a cash purchase -- it protects against title defects, fraud and survey issues a standard search doesn't catch. The premium goes to the insurer, not to us, and is billed at cost; see the example above.
What is the Teranet search fees & disbursements line?
It bundles the government charges for registering documents electronically (a transfer, and a mortgage charge if you're financing), the title and other searches we run, and the bank fees tied to closing. $583.26 is an estimate -- the exact figure is itemized in your written quote.
Am I a first-time buyer -- is there a refund?
If you qualify, Ontario refunds up to $4,000 of the land transfer tax you'd otherwise owe, and Toronto refunds a further $4,475 if the property is in Toronto. See our first-time buyer fee page for the worked numbers with the refund applied.
What isn't included in $1,354.87?
Billed separately, at cost: Teranet search fees & disbursements (registrations, searches, bank fees); title insurance; technology & file management -- all itemized and estimated for you in writing before any work begins.
Related reading
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