Serving Hamilton Township with flat-fee real estate law, conducted entirely online — no office visit, no in-person appointment. Buying, selling, or refinancing, the fee is fixed in advance and already includes applicable taxes.
“The private sale I was part of had no realtor involved, and having someone walk me through what a realtor usually handles gave me confidence.”
Z.D. · Private home sale · Peterborough
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 Hamilton Township 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 — Hamilton Township, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
| Authority | Ganaraska Region Conservation Authority |
|---|---|
| Head office | 2216 County Road 28, Port Hope, ON, L1A 3V8 |
| Phone | 905-885-8173 |
| Website | grca.on.ca |
| Watershed area | 928 km² |
Development in a regulated area, and interference with a wetland or watercourse, are prohibited by section 28 of the Conservation Authorities Act without a permit under section 28.1, issued by the authority — not the municipality — under O. Reg. 41/24. Watershed boundaries follow drainage rather than municipal lines, so a property at the edge of Hamilton Township can fall under a neighbouring authority; confirm for the specific address.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The Hamilton Township-specific mechanics we handle on every file — so nothing surprises you at closing.
Hamilton Township properties register at the Northumberland Land Registry Office, LRO #39, with filings completed electronically through the province's ONLAND system. Since our process already runs on that platform, a Hamilton Township closing adds no extra steps.
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.
Only a single Ontario municipality piles a municipal land transfer tax on top of the provincial one, and Hamilton Township is not it, so purchasers here pay just the provincial land transfer tax. Hamilton Township sits within Northumberland County, with a population of about 11,059 people across 4,685 private dwellings at last census. Our flat purchase fee is $1,354.87, taxes included, regardless of the property you're buying. We work the LTT estimate and any rebate you may qualify for into your quote before you retain us, then begin title work right away once you're on board.
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 a Hamilton Township sale, we take care of discharging any mortgage registered against the property, responding to the buyer's lawyer's requisitions, and forwarding your net proceeds once the deal has closed and funds have cleared. Land transfer tax is the buyer's obligation, so it doesn't factor into your fee at all. Our flat sale fee is $1,241.87, taxes included, and we keep the updates plain and timely.
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 Hamilton Township properties are all managed through our Mortgage service for a flat $1,241.87, taxes included. We follow your lender's instructions closely, register the charge properly on title, and confirm the conditions attached to funding are satisfied before money moves.
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.
There's no need to search for a nearby storefront — we handle Hamilton Township files entirely by phone and secure online tools, so you get full service without the drive.
No. Buyers here owe only the provincial land transfer tax — the extra municipal tax some buyers hear about is unique to one Ontario city, and Hamilton Township isn't it.
It's the total legal fee, nothing more — $1,354.87 on a purchase, $1,241.87 on a sale or refinance, HST already in. Land transfer tax and disbursements are separate at-cost items we break out individually so every charge stays traceable.
The Northumberland Land Registry Office, LRO #39, registering electronically through ONLAND. Since our process already works within that system, nothing extra is required to close a Hamilton Township file.
Both, without any difference in fee or process — a township of roughly eleven thousand people is handled exactly like a larger city file.
Official government and land registry resources for Hamilton Township buyers and sellers who want to review the primary sources.
Sourced, dated municipal and provincial data for Hamilton Township — not legal advice, just the facts a closing touches.
2 authorities cover this area: Ganaraska Region Conservation Authority, Hamilton Conservation Authority — which one applies depends on where the property drains. Development in a regulated area, or interference with a wetland or watercourse, needs a permit from the conservation authority — separate from municipal approvals — under section 28.1 of the Conservation Authorities Act.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
Hamilton Township levies a Vacant Unit Tax (VUT) — 1% of assessed value (MPAC Current Value Assessment). Declaration deadline: Annual mandatory declaration; 2025 tax-year period opened December 17, 2025, initial deadline April 15, 2026, extended deadline May 15, 2026 (the City has extended the deadline in each year run so far).
Source: Municipal vacant home tax page. Retrieved 2026-09-17.
Civil Superior Court filings for Hamilton Township are heard at the Hamilton (John Sopinka) Courthouse, Hamilton.
Source: Ontario court locations directory. Retrieved 2026-08-09.
The property-tax adjustment on the statement of adjustments doesn't set up a new tax account — it simply divides the current tax bill between buyer and seller as of closing day, crediting whichever side prepaid past their ownership. After closing, the municipality bills the new owner directly.
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 Hamilton Township file in minutes — hear from your lawyer tomorrow.