What the bill is made of
The bill looks like any other purchase, with one addition: the first-time buyer refund applied against the land transfer tax lines.
| Line item | Amount |
|---|---|
| Our fee — Home PurchaseStarting at, 13% HST included — set by us, published on our price list. | $1,354.87 |
| Land registration — transferGovernment fee, effective November 3, 2025 — one per instrument registered electronically. | $85.00 |
| Land registration — mortgage chargeIf you're financing the purchase. A cash purchase skips this line. | $85.00 |
| Title insurance — example at $800,000$655.74 premium + 8% PST, TitlePLUS residential rate schedule effective March 1, 2025. Varies by insurer and purchase price — most lenders require it. | $708.20 |
| 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. | $12,475.00 |
| Toronto municipal land transfer tax (MLTT)Only if the property is in Toronto — a second, matching tax on top of the Ontario tax, same example price. See the worked examples below for other price points. | + $12,475.00 |
| First-time buyer refund — OntarioApplied against the Ontario tax line above, if you qualify. | − up to $4,000 |
| First-time buyer refund — TorontoApplied against the Toronto tax line above, if you qualify and the property is in Toronto. | − up to $4,475 |
Worked examples
What the same purchase totals at three common price points, computed from the sourced figures above.
| Price | Location | Our fee | Registration | Title insurance | Land transfer tax | Total |
|---|---|---|---|---|---|---|
| $600,000 | Outside Toronto | $1,354.87 | $170.00 | $513.80 | $4,475.00 | $6,513.67 |
| $600,000 | Toronto | $1,354.87 | $170.00 | $513.80 | $8,475.00 | $10,513.67 |
| $900,000 | Outside Toronto | $1,354.87 | $170.00 | $805.40 | $10,475.00 | $12,805.27 |
| $900,000 | Toronto | $1,354.87 | $170.00 | $805.40 | $20,475.00 | $22,805.27 |
| $1,200,000 | Outside Toronto | $1,354.87 | $170.00 | $1,097.00 | $16,475.00 | $19,096.87 |
| $1,200,000 | Toronto | $1,354.87 | $170.00 | $1,097.00 | $32,475.00 | $35,096.87 |
Assumes a typical financed purchase (transfer + mortgage charge registered, $170.00 total) and the title-insurance formula above. The first-time buyer refund is already applied to the land transfer tax column. Excludes searches, couriers and other disbursements that aren't sourced — those are billed at cost, itemized in your written quote, not estimated here.
What is extra
Billed separately, at cost: search fees (title, writ/execution & others); registration fees (transfer, charge, discharge); title insurance; couriers; software, government access & office charges, 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
Do I automatically get the refund?
No -- you have to be a Canadian citizen or permanent resident and claim it. We confirm your eligibility and apply for it as part of your file.
How much is the refund worth?
Up to $4,000 of Ontario land transfer tax, and up to $4,475 more of Toronto's municipal tax if you're buying in Toronto -- see the worked examples below for what that means at your price point.
Does the refund cover your legal fee too?
No -- it only offsets land transfer tax. Our $1,354.87 fee is separate.
Can I claim the refund if I buy with someone who isn't a first-time buyer?
It depends on the details of the purchase and who's on title. Tell us during intake and we'll confirm what applies to your file.
What's extra beyond $1,354.87?
Billed separately, at cost: search fees (title, writ/execution & others); registration fees (transfer, charge, discharge); title insurance; couriers; software, government access & office charges, billed at cost.
Fixed fees. No surprises. Start today.
Open your file online in minutes — our Team reviews it before a dollar is owed.