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What the bill is made of
A condo closing bill carries everything a house purchase does, plus one line that's specific to condos. 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.
Status certificate package — billed separately, at cost, set by the condo corporation, not us. We order and review it as part of your file; ask us for the corporation’s current figure once you’re under contract — we haven’t sourced a province-wide number to publish here.
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
Is a condo purchase priced differently than a house?
No -- our fee is the same $1,354.87 flat fee for any residential purchase. What's different is the status certificate review, which is specific to condos.
Who pays for the status certificate?
The condo corporation sets and charges its own fee for the package, separate from anything we charge. Ask your listing agent or the corporation directly for the current amount, and confirm it with us once you're under contract.
Does title insurance cost more for a condo?
Condo premiums follow the same insurer rate table as a resale house, priced by purchase price the same way -- see the example above.
Is there land transfer tax on a condo?
Yes -- the same Ontario (and Toronto, if applicable) land transfer tax applies to a condo purchase as any other residential purchase. See the land transfer tax table above.
What's extra beyond $1,354.87?
Billed separately, at cost: Teranet search fees & disbursements (registrations, searches, bank fees); title insurance; technology & file management; plus the condo corporation's own status certificate fee -- itemized and estimated in writing before any work begins.
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Open your file online in minutes — our Team reviews it before a dollar is owed.