Serving the Municipality of Leamington, in Essex County, with flat-fee real estate law completed entirely online. One transparent, tax-included price applies whether you're buying, selling, or refinancing — no office visit needed.
“Our closing date got moved up by a week and the team adjusted without missing a beat.”
D.M. · Home purchase · Windsor
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 Leamington 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 — Leamington, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
| Authority | Essex Region Conservation Authority |
|---|---|
| Head office | 360 Fairview Avenue West, Suite 311, Essex, ON, N8M 1Y6 |
| Phone | 519-776-5209 |
| Website | essexregionconservation.ca |
| Watershed area | 1,674 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 Leamington can fall under a neighbouring authority; confirm for the specific address.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The Leamington-specific mechanics we handle on every file — so nothing surprises you at closing.
Property registration for a Leamington closing runs through the Essex Land Registry Office, LRO #12, filed electronically via the province's ONLAND (Teraview) system rather than at a paper counter.
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.
Buyers in Leamington pay Ontario's provincial land transfer tax only, since the municipality doesn't apply a municipal land transfer tax of its own on top. We work your provincial LTT estimate into your closing cost breakdown from the start and flag any rebate you may qualify for. Leamington has a population of roughly 29,680 within Essex County, and the same flat fee and single-tax structure applies no matter what kind of property you're closing on, so there's no guesswork about your total 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 a home in Leamington means we discharge your existing mortgage from title, respond to the buyer's requisitions, and release your net proceeds promptly once the deal closes. Land transfer tax is the buyer's cost, not yours, so it plays no role in your file. We keep you posted through every stage so closing day is straightforward.
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.
Our Mortgage service prices new purchase mortgages, refinances, and private registrations on Leamington property identically — one flat fee, taxes included, no matter which applies. We work from your lender's commitment letter, get the charge onto title, and make sure the lender's conditions are met before funds release.
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 don't need to track down a Leamington office to get full representation — document review, signing, and closing all run online and by phone, so you're served the same way no matter where in the municipality you are.
No municipal charge applies — that's a Toronto-only feature of Ontario's land transfer tax system, so Leamington buyers pay the provincial rate and nothing further.
HST is already part of the number we quote. The provincial land transfer tax and optional title insurance sit outside it, priced as their own line items rather than folded into the legal fee.
Leamington properties register through the Essex Land Registry Office (LRO #12), filed electronically through ONLAND (Teraview) as part of your flat fee.
Once retained, we start immediately on title review, mortgage instructions, and closing documents, working to keep your Leamington file on the date already set in your purchase agreement.
Below are official government and land registry resources for Leamington homebuyers and sellers who want to review the details themselves.
Sourced, dated municipal and provincial data for Leamington — not legal advice, just the facts a closing touches.
Essex Region Conservation Authority (519-776-5209, website). 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.
Deals for Leamington register at the Essex Land Registry Office (LRO #12), filed electronically through ONLAND.
Source: Ontario, Land registry offices (LRO) directory. Retrieved 2026-09-17.
Civil Superior Court filings for Leamington are heard at the Windsor Courthouse, Windsor.
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 Leamington file in minutes — hear from your lawyer tomorrow.