Serving Kenora, we handle flat-fee real estate closings from a distance, using phone, email, and secure e-signature instead of an in-person office visit. Purchases, sales, and mortgage refinances are each one transparent price, taxes included.
“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 Kenora 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 — Kenora, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Kenora-specific mechanics we handle on every file — so nothing surprises you at closing.
Kenora deals close through the Kenora Land Registry Office (LRO #23), and like every registration in Ontario now, the actual filing happens electronically via ONLAND (Teraview). We never needed a local office to make that work — our whole practice runs the same way.
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.
Kenora buyers face just one land transfer tax: Ontario's provincial rate. Toronto is the sole exception that stacks a municipal tax on top, so Kenora closings stay simpler. We work the provincial figure, and any rebate you qualify for, into your cost breakdown early. StatCan's 2021 figures put Kenora's population at 14,967, across 7,637 total private dwellings, 6,510 occupied. Detached, condo, or acreage — the fee and steps stay identical.
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.
Your Kenora sale involves clearing off your current mortgage, answering the buyer lawyer's requisitions, and releasing your net proceeds the moment registration is confirmed — we manage each of those steps. Land transfer tax doesn't touch a seller's costs at all, since it's charged only to buyers. You'll always know where your numbers stand.
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 financing, a refinance, or a private mortgage on Kenora property — our Mortgage service prices all three the same, flat and tax-included, no matter the lender you're working with. We work through the commitment letter your lender sends, prepare and register the charge, and confirm every condition is met before funds move.
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.
Distance from a city centre isn't a barrier here. Your Kenora file gets reviewed, signed, and registered the same way any of our files do — online, with a lawyer who answers the phone.
No. Kenora relies on Ontario's provincial land transfer tax only — the municipal version some buyers ask about is unique to Toronto.
The flat fee we quote is tax-included and covers our legal services in full. The land transfer tax goes to the province, and title insurance (optional) to its insurer — neither is ours, so both appear separately.
The Kenora Land Registry Office, LRO #23, is where Kenora transactions are recorded, with the filing itself submitted electronically through ONLAND (Teraview) — a step we cover as part of your fee.
Absolutely. Everything from your initial intake to signing your closing documents is built to work at a distance, which is exactly how most of our Kenora clients complete their files.
Here are official government and land registry resources for Kenora buyers, sellers, and owners who want to look into the details themselves.
Sourced, dated municipal and provincial data for Kenora — not legal advice, just the facts a closing touches.
Deals for Kenora register at the Kenora Land Registry Office (LRO #23), filed electronically through ONLAND.
Source: Ontario, Land registry offices (LRO) directory. Retrieved 2026-09-17.
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 Kenora file in minutes — hear from your lawyer tomorrow.