Frontenac Islands is a lower-tier township spread across the water, and our process is built for that: no in-person meetings, no ferry to catch. Your purchase, sale, or refinance closes for one flat, HST-included fee, arranged entirely by phone, email, and e-signature.
Our charges include HST. Disbursements and, on a purchase, Land Transfer Tax are extra and billed at cost — itemized upfront, in writing, never hidden.
Prices are “our charges” and include HST. Disbursements and Land Transfer Tax are extra, at cost, estimated in writing before you commit.
Every figure is from Statistics Canada’s 2021 Census of Population — real published data, current until the 2026 Census releases (2027).
Source: Statistics Canada, 2021 Census of Population, Census Profile — Frontenac Islands, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Frontenac Islands-specific mechanics we handle on every file — so nothing surprises you at closing.
The Frontenac Land Registry Office (LRO #13) is where Frontenac Islands deeds and charges get filed, and ONLAND handles that electronically. Nothing about your file requires an in-person office visit.
You don’t “set up” property tax — we prorate it. The statement of adjustments credits whoever prepaid; after closing, the municipality bills you directly and you can enrol in pre-authorized payments.
ID verification, document review, and signing happen online — no office visit needed. In-person signings remain available across the province if you prefer.
Purchases here are subject to Ontario's provincial land transfer tax and no municipal add-on — we build that number into your closing cost breakdown from the start. Frontenac Islands counted about 1,930 residents in the 2021 census, part of the Frontenac census division, with 1,212 private dwellings on record and 903 occupied by usual residents — a gap that isn't unusual for a township spread across lake islands. Whether your property is a year-round home or something used only part of the year, the legal process and our fee are the same.
Financing, inspection, status certificate — your offer’s conditions are legal protections, and waiving them is a legal decision. We review before you sign and flag the risks in plain language.
Buying pre-construction or an assignment carries its own tax and disclosure rules — ask us before you commit so nothing catches you at closing.
Selling on Frontenac Islands works like any other Ontario sale: we clear your mortgage from title, deal with the buyer's requisitions, and get your net proceeds to you as soon as closing funds land. Land transfer tax is charged to the buyer, so it has no impact on what you owe as the seller. We update you by email at each stage of the file.
Sellers don’t pay LTT. Your closing costs are the legal fee, discharge-related disbursements, and any mortgage payout penalties your lender sets.
We obtain your mortgage discharge statement, answer the buyer’s requisitions, and prorate taxes and utilities on the statement of adjustments.
Funds are wired the day of closing where possible. Selling a condo? We coordinate the status certificate the buyer’s lawyer will request.
New purchase mortgages, refinances, and private mortgage registrations on Frontenac Islands properties are all handled under our Mortgage service for the same flat, HST-included price. We check the commitment letter against the deal, register the charge, and make sure the lender's conditions are cleared before funds go out. The fee doesn't shift based on whether it's a new loan or a renewal.
A new charge on a home you already own. We handle the lender’s requirements and register it — one flat fee.
Switching lenders or borrowing more? We manage the payout and discharge of your old mortgage and register the new one.
Borrowing from or lending to a private party. We paper it properly, register the charge, and protect your interests.
You won't need to track down a nearby office. We handle document review, signing, and closing by phone, email, and e-signature, so distance from a law office doesn't slow your file down.
No — Frontenac Islands buyers pay only Ontario's provincial land transfer tax. A municipal top-up tax is unique to Toronto and doesn't apply here.
Our HST-included flat fee covers the legal work on your file. Land transfer tax, registration costs, and optional title insurance are separate charges, itemized clearly so you can see exactly what each dollar pays for.
At the Frontenac Land Registry Office, LRO #13, filed electronically through ONLAND — that registration step is included in your flat fee.
In most cases, yes. Once you retain us we begin title review and closing preparation right away so the closing date already set in your agreement of purchase and sale holds.
Below are official Ontario government and land registry links for Frontenac Islands buyers and sellers who want to verify the details themselves.
Open your Frontenac Islands file in minutes — hear from your lawyer tomorrow.