Choose your transaction
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. We never total these into one number -- disbursements are extra, billed at cost, and vary by file.
| Line item | Amount |
|---|---|
| Our fee — Home Purchase (HST included)Set by us, published on our price list. | $1,354.87 |
| Disbursements — extra, billed at costTeranet search fees & disbursements (registrations, searches, bank fees); title insurance; technology & file management. | Varies by file |
| 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 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 |
Disbursements are extra, billed at cost, and vary by file, so we do not state an amount for them. 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 — billed at cost, and they vary by file.
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 and HST before you sign anything. Disbursements and any land transfer tax are extra, billed at cost, and 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 refund lines in the table above, and the land transfer tax table for the tax itself at common price points.
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: Teranet search fees & disbursements (registrations, searches, bank fees); title insurance; technology & file management -- billed at cost, and they vary by file.
Fixed fees. No surprises. Start today.
Open your file online in minutes — our Team reviews it before a dollar is owed.