Lake of Bays buyers, sellers, and refinancing owners work with our firm online, paying one flat fee with HST included, no matter the type of real estate transaction on file or the season it closes in.
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 — Lake of Bays, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Lake of Bays-specific mechanics we handle on every file — so nothing surprises you at closing.
Lake of Bays properties register at the Muskoka Land Registry Office (LRO #35), with registration completed electronically through ONLAND. That electronic filing step is why our online process works for Lake of Bays closings without needing an 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.
Lake of Bays is a township within the Muskoka census division, and buyers there pay Ontario's provincial land transfer tax only, since a municipal land transfer tax applies exclusively in Toronto. We build that provincial LTT figure into your closing cost picture early on. The 2021 census recorded a population of 3,759 in Lake of Bays, with 4,324 total private dwellings against 1,760 occupied by usual residents — StatCan reports that gap without attributing a reason to it. A purchase file with us, for any property type, is a flat $1,354.87, HST included, with disbursements and the provincial LTT shown separately at cost.
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 in Lake of Bays involves discharging your existing mortgage from title, responding to the buyer's requisitions, and releasing your proceeds once the sale closes. Land transfer tax sits with the buyer, not the seller, so it isn't part of a seller's costs. Our flat sale fee is $1,241.87, HST included, and we provide updates throughout 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 mortgages, refinances, and private mortgage registrations on Lake of Bays properties are all handled for one flat fee of $1,241.87, HST included. We review the commitment letter your lender issues, prepare and register the charge, and confirm conditions are met before funds are released. The fee is consistent across all three types of mortgage work.
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.
Our lawyers handle Lake of Bays files entirely by phone and online — document review, signing, and closing — so proximity to an office isn't a factor.
No. Lake of Bays buyers pay Ontario's provincial land transfer tax only; the municipal land transfer tax is exclusive to Toronto.
The provincial land transfer tax and optional title insurance are itemized separately and billed at cost. Our flat fee, HST included, covers our legal services alone.
Lake of Bays properties register at the Muskoka Land Registry Office (LRO #35), with registration completed electronically through ONLAND.
We work toward the date already set in your agreement of purchase and sale, beginning title review as soon as you retain us.
Below are official government and land registry resources for Lake of Bays buyers and sellers who want to review the details directly.
Open your Lake of Bays file in minutes — hear from your lawyer tomorrow.