Choose your transaction
What the bill is made of
The bill is the same as any other purchase -- what's different is where our attention goes. 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.
Agent commission is not part of our fee either way — our fee doesn’t change whether a deal was found through an agent or privately negotiated.
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 your fee higher for a private sale?
No -- it's the same $1,354.87 flat fee. The transaction can take more of our time to get right, but that's covered by the flat fee, not billed separately.
Do I still need title insurance?
Yes -- if anything, more so. Without a real estate board's standard agreement and an agent double-checking the listing, title insurance is one of the few protections that's still standard and worth keeping.
Who drafts the agreement of purchase and sale?
In a private sale there's often no standard board-form agreement already in play. We can prepare or review whatever document the two sides are using, or draft one, as part of 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 -- itemized and estimated in writing before any work begins.
Fixed fees. No surprises. Start today.
Open your file online in minutes — our Team reviews it before a dollar is owed.