McGarry is a Township of 579 people in the Timiskaming District, and a real estate file here closes the same way as anywhere else in Ontario — one flat, HST-included fee, confirmed in writing before you sign anything.
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 — McGarry, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The McGarry-specific mechanics we handle on every file — so nothing surprises you at closing.
McGarry Township is within the Timiskaming Land Registry Office's jurisdiction (LRO #54); we file registrations electronically and handle everything else — signing, document exchange, closing — by phone, email, and e-signature.
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.
Buying in McGarry Township, you'll owe Ontario's provincial land transfer tax; there's no separate municipal land transfer tax, since Toronto is the only place in Ontario that currently charges one. Our flat purchase fee is $1,354.87, HST included, and the land transfer tax plus disbursements are itemized and billed separately at cost. McGarry had 333 private dwellings in the 2021 census, 289 occupied by usual residents. Retaining a lawyer here still means a full title search, requisitions, mortgage instructions, and closing — the fee quoted at the start is the fee you pay.
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.
On a sale in McGarry, we discharge your mortgage from title, respond to the buyer's requisitions, and get your proceeds to you once closing funds and registration are confirmed. The flat selling fee is $1,241.87, HST included, with disbursements billed separately at cost. Land transfer tax falls on the buyer, so it doesn't factor into your closing statement.
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 against McGarry property are all handled under our Mortgage service for a flat fee of $1,241.87, HST included. We review your commitment letter, register the charge on title, and confirm lender conditions before funds move. The fee stays the same whether it's a first mortgage, a refinance, or a private loan registered between individuals.
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.
Yes. We handle McGarry files from document review through closing by phone, email, and e-signature, so there's no need for an in-person office visit.
No — that's a Toronto-only charge. McGarry buyers pay Ontario's provincial land transfer tax and nothing more.
The flat fee is final for our legal work and includes HST. Government charges like land transfer tax and any disbursements are separate, itemized, and billed at cost.
The Timiskaming Land Registry Office, LRO #54, registers McGarry property electronically.
No. McGarry's 579 residents don't change our process — title review and closing preparation start as soon as you retain us, same as any other file.
Below are official government and land registry resources for McGarry Township buyers and sellers who'd like to check these figures directly.
Open your McGarry file in minutes — hear from your lawyer tomorrow.