Serving Montague township, Treadstone Law prices every real estate closing — purchase, sale, or refinance — at one flat fee with HST built in, and manages the file entirely online from document review through registration.
“We bought and sold on the same day, and I was worried about the logistics, but everything lined up.”
V.M. · Buying and selling · Ottawa
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 Montague 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 — Montague, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
| Authority | Rideau Valley Conservation Authority |
|---|---|
| Head office | 3889 Rideau Valley Drive, Box 599, Manotick, ON, K4M 1A5 |
| Phone | 613-692-3571 |
| Website | rvca.ca |
| Watershed area | 4,246 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 Montague can fall under a neighbouring authority; confirm for the specific address.
Source: Conservation Ontario, Conservation Authority Boundaries (2023). Retrieved 2026-08-10.
The Montague-specific mechanics we handle on every file — so nothing surprises you at closing.
Montague properties are registered at the Lanark Land Registry Office (LRO #27), and the registration step itself takes place electronically through ONLAND. Because that filing is electronic, our online process works the same way it would for any in-person firm handling a Montague closing.
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.
Montague is a township in Lanark County, and buyers here pay only Ontario's provincial land transfer tax, since Toronto is the sole municipality that layers on its own municipal version. We calculate that provincial LTT amount early, so it's part of your closing cost picture from the start rather than a surprise at the end. Montague's 2021 population was 3,914, living across 1,551 total private dwellings, 1,503 of which were occupied by usual residents. A purchase file with us is priced at one flat fee of $1,354.87, taxes included, with disbursements and the provincial LTT itemized and billed at cost separately.
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 Montague involves the same core legal steps regardless of property type: we discharge your mortgage from title, respond to the buyer's requisitions, and send your proceeds once the sale closes. Because land transfer tax is charged to buyers, it plays no role in a seller's costs. Our flat sale fee is $1,241.87, taxes included, with updates provided 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.
For Montague properties, our Mortgage service handles new mortgages, refinances, and private mortgage registrations, all for one flat fee of $1,241.87, taxes included. We go through your commitment letter, prepare and register the charge against title, and confirm the lender's conditions before funds move. The fee is the same across all three of those mortgage scenarios.
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 team works with Montague clients online, handling review, signing, and closing by phone and online rather than requiring you to visit a local office.
No, Montague buyers pay Ontario's provincial land transfer tax only — the municipal land transfer tax exists in Toronto and nowhere else in the province.
The flat fee, taxes included, is our legal fee. Costs like the provincial land transfer tax and optional title insurance are billed separately, at cost, as clearly labelled items.
Montague properties register through the Lanark Land Registry Office (LRO #27), with the registration itself completed electronically via ONLAND.
We begin title review and document preparation right after retainer, working toward the closing date already set in your agreement of purchase and sale.
Below are official government and land registry resources for Montague buyers and sellers who'd like to verify the details independently.
Sourced, dated municipal and provincial data for Montague — not legal advice, just the facts a closing touches.
Rideau Valley Conservation Authority (613-692-3571, 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.
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 Montague file in minutes — hear from your lawyer tomorrow.