What the bill is made of
A refinance closing bill is short: our fee, and the registration fees for the paperwork that actually changes on title.
| Line item | Amount |
|---|---|
| Our fee — MortgageStarting at, 13% HST included — set by us, published on our price list. | $1,241.87 |
| Land registration — new mortgage chargeGovernment fee, effective November 3, 2025. | $85.00 |
| Land registration — discharge of old mortgageOnly if we're also paying out and discharging a previous mortgage on the same closing. | $85.00 |
| Title insuranceCommon on a refinance with a new lender, not universal. We confirm and cost it once we see your lender's instructions. | Only if your lender requires it |
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 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 registration fee cover?
$85.00 per instrument to register your new mortgage charge on title. If we're also discharging an old mortgage on the same closing, that's a second registration at the same rate -- $170.00 total.
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 registration instructions.
What's extra beyond $1,241.87?
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.