Macdonald, Meredith and Aberdeen Additional is a small Algoma District township, and we close files there the way we close files everywhere in Ontario: flat fee, HST included, entirely by phone, email, and e-signature.
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 — Macdonald, Meredith and Aberdeen Additional, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Macdonald, Meredith and Aberdeen Additional-specific mechanics we handle on every file — so nothing surprises you at closing.
Registrations here go through the Algoma Land Registry Office (LRO #1), filed electronically via ONLAND. We take care of that filing as part of your flat fee, and it lines up with a file already run by phone, email, and e-signature, no extra effort on your part.
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.
Purchases here fall under Ontario's provincial land transfer tax only — there's no municipal tax on top — and we build that number into your closing cost breakdown from the outset. The township had about 1,513 residents at the 2021 census, part of the Algoma census division, with 803 private dwellings recorded and 603 occupied by usual residents. That's one of the smaller populations in this batch of townships, and it's a modest transaction market as a result, but the legal file — title review, mortgage instructions, closing — follows the same steps we'd use anywhere else in Ontario, at the same flat price.
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 property in Macdonald, Meredith and Aberdeen Additional means we discharge your existing mortgage from title, respond to the buyer's requisitions, and release your net proceeds once closing funds are confirmed. Land transfer tax is a cost carried by the buyer, not the seller, so it has no bearing on your file. We'll keep you updated by email as each stage is completed.
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 properties in the township go through our Mortgage service for one flat, HST-included fee. We review the lender's commitment letter, register the charge against title, and confirm conditions are met before funds release. The price stays the same regardless of which applies to your deal.
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.
We do — a township of about 1,513 people closes real estate the same way a larger city does, and our process is built to run the same regardless of population.
No. There's no municipal land transfer tax in this township — just Ontario's provincial tax. Toronto is the exception that charges an additional municipal rate.
The flat fee, HST included, covers our legal work in full. Land transfer tax and optional title insurance are separate, itemized charges so you can see exactly what's what.
The Algoma Land Registry Office, LRO #1, registers properties here, with electronic filing through ONLAND handled as part of your flat fee.
Immediately — we begin title review, mortgage instructions, and closing document preparation as soon as you retain us, aiming to keep your agreed closing date on track.
Below are official Ontario government and land registry resources for local buyers and sellers who want to verify these closing-cost details themselves.
Open your Macdonald, Meredith and Aberdeen Additional file in minutes — hear from your lawyer tomorrow.