Choose your transaction
What the bill is made of
A refinance closing bill is short: our fee, plus the disbursements that cover registering the paperwork that actually changes on title. We never total these into one number -- they're itemized in your written quote.
| Line item | Amount |
|---|---|
| Our fee — Mortgage (HST included)Set by us, published on our price list. | $1,241.87 |
| Estimated disbursements — billed at cost, itemised in your written quote; they vary by file | |
| Teranet search fees & disbursementsRegistrations, searches, bank fees. Estimate. | $283.26 |
| Technology & file managementSoftware, government access and office charges. Estimate. | $113.00 |
Disbursements vary by file and are itemized, estimated in writing, before any work begins. We do not total our fee and disbursements into one figure — see each line and its source above.
Title insurance — only if your lender requires it for a refinance, common but not universal. There’s no province-wide lender-policy rate to publish; we confirm and cost it once we see your lender’s instructions.
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
Do I pay land transfer tax to refinance?
No -- land transfer tax applies only when property changes hands. A refinance doesn't transfer title, so it isn't owed.
What does the Teranet search fees & disbursements line cover?
It bundles the government charge to register your new mortgage charge on title, the searches we run, and the bank fees tied to closing. If we're also discharging an old mortgage on the same closing, that's covered in the same line -- $283.26 is an estimate; the exact figure is itemized in your written quote.
Do I need title insurance again?
Only if your new lender requires its own policy -- common, but not universal. We confirm and cost it once we see your lender's instructions.
Is a private mortgage priced the same?
Yes -- a new mortgage, a refinance and a private mortgage all use the same $1,241.87 fee. What changes is the extra care we take confirming the lender's instructions.
What's extra beyond $1,241.87?
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.