From the first phone call to the day your Greenstone closing registers, our process stays online — no office to visit, no separate quotes for buying, selling, or refinancing, just one flat fee with HST already built in.
“I was travelling for work during my closing, and everything was handled by email and e-signature without a hitch.”
J.F. · Home purchase · Thunder Bay
Shared with permission. Initials changed to protect client privacy.
Our charges include applicable taxes. 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 applicable taxes. Disbursements and Land Transfer Tax are extra, at cost, estimated in writing before you commit.
Purchase price aside, this is what a buyer in Greenstone sees on the closing statement: our fee, then the disbursements we estimate on your behalf, then the government taxes — each sourced and dated. We don't total these into one figure; disbursements vary by file and are itemized in your written quote.
| Line item | $600,000 | $900,000 | $1,200,000 |
|---|---|---|---|
| Our fee (flat, any price) — 13% HST included | $1,354.87 | $1,354.87 | $1,354.87 |
| Estimated disbursements — billed at cost, itemised in your written quote; they vary by file | |||
| Teranet search fees & disbursements (registrations, searches, bank fees) — estimate | $583.26 | $583.26 | $583.26 |
| Technology & file management — estimate | $332.05 | $332.05 | $332.05 |
| Title insurance (example premium, varies by insurer and price) | $513.80 | $805.40 | $1,097.00 |
| Government charges | |||
| Ontario land transfer tax | $8,475.00 | $14,475.00 | $20,475.00 |
| First-time buyer refunds, if you qualify | − up to $4,000 | − up to $4,000 | − up to $4,000 |
Disbursements vary by file and are itemized, estimated in writing, before any work begins — these lines are estimates, not quotes. Ontario refunds up to $4,000 of the land transfer tax for first-time buyers, applied by your lawyer at registration.
Sources: Ontario electronic land registration fee, 2026-09-17: ontario.ca (rises to $86.42 per instrument from 2026-11-02); TitlePLUS residential premium schedule, 2026-09-17: titleplus.ca; Ontario land transfer tax, 2026-09-17: ontario.ca.
See the full breakdown on our Ontario real estate lawyer fee guide or flat-fee pricing page.
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 — Greenstone, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Greenstone-specific mechanics we handle on every file — so nothing surprises you at closing.
The Thunder Bay Land Registry Office, LRO #55, covers Greenstone, and our filings there are made electronically — the same approach behind every closing we run.
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.
Greenstone is a single-tier municipality within the Thunder Bay census division, and its buyers pay only Ontario's provincial land transfer tax, since a municipal land transfer tax is unique to Toronto. Our purchase fee is a flat $1,354.87, taxes included, for title review, closing preparation, and registration, with the land transfer tax and disbursements itemized separately. StatCan's 2021 census put Greenstone's population at 4,309 and its total private dwellings at 2,449, with 1,920 occupied by usual residents. The flat fee applies the same regardless of which part of the municipality the home is in.
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.
For sellers, we discharge any mortgage registered on the Greenstone property, handle requisitions raised by the buyer's lawyer, and release your net proceeds once closing funds have cleared. Our sale fee is a flat $1,241.87, taxes included, unrelated to the sale price. Land transfer tax is the buyer's obligation, not yours, so it doesn't appear on your file, and we keep you posted as the closing progresses.
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 against Greenstone property are all handled by our Mortgage service, priced at a flat $1,241.87, taxes included. We review the lender's commitment letter, register the mortgage, and confirm closing conditions are satisfied so funds move on schedule. One price applies across mortgage types.
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.
Yes. We close Greenstone files entirely by phone, email, and secure document exchange, so you get full-service handling of your closing without needing to travel anywhere.
No. A municipal land transfer tax is unique to Toronto within Ontario; Greenstone buyers pay the provincial land transfer tax and stop there.
taxes are already included in our flat fee, which is strictly for legal work. The land transfer tax, disbursements, and optional title insurance are billed apart from that fee, each itemized clearly.
Greenstone's registry of record is the Thunder Bay Land Registry Office, LRO #55; we handle that electronic filing directly once your closing wraps up.
StatCan's 2021 census recorded 2,449 total private dwellings in Greenstone, with 1,920 occupied by usual residents at census time.
Below are official government and land registry resources for Greenstone homebuyers and sellers who want to look at the underlying data themselves.
Ontario land transfer tax is the largest single line on most closing statements, and it is due in full on closing day. Enter a price to see the bracket-by-bracket calculation, the first-time buyer refund, and — where they apply — the Toronto municipal tax and the Non-Resident Speculation Tax. Full workings and the rate sources are on the land transfer tax calculator.
Open your Greenstone file in minutes — hear from your lawyer tomorrow.