Niagara Region is twelve municipalities and close to half a million people, from St. Catharines and Niagara Falls down to smaller towns like Wainfleet, and every single one of them closes on the exact same flat fee.
“Refinancing felt like a lot of paperwork until it was explained step by step, and then it was straightforward.”
M.Y. · Refinancing · Hamilton
Shared with permission. Initials changed to protect client privacy.
With twelve municipalities, Niagara Region has more of them than most counties on this list — St. Catharines, Niagara Falls, and Welland anchor it, with Fort Erie, Grimsby, Lincoln, Thorold, Port Colborne, Pelham, West Lincoln, and Wainfleet filling out the rest. That range, from a city of well over a hundred thousand down to a township of a few thousand, is why a flat fee matters: purchases are $1,354.87, sales $1,241.87, refinances $1,241.87, flat and taxes included regardless of municipality.
St. Catharines · Niagara Falls · Welland · Fort Erie · Grimsby · Lincoln · Thorold · Port Colborne · Niagara-on-the-Lake · Pelham · West Lincoln · Wainfleet
The same transparent pricing everywhere in Ontario — no city surcharges, no estimates.
$1,354.87
Flat, taxes included. Disbursements & Land Transfer Tax extra, at cost.
How buying works →$1,241.87
Flat, taxes included. New mortgages, refinances & private lending.
How it works →Purchase price aside, this is what a buyer in Niagara Region 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.
The firm handles closings across all twelve Niagara Region municipalities through document upload, e-signature, and phone or video calls, so location within the region doesn't change the process.
No. The flat fee is identical across every municipality in Niagara Region, from the largest city to the smallest township.
Purchases are $1,354.87 and sales or refinances are $1,241.87, both flat with taxes included. Disbursements and land transfer tax are charged separately, at cost, and itemized on your statement.
No. Every municipality in Niagara Region falls under the provincial land transfer tax only — none of the twelve add a municipal tax the way Toronto does.
Development in a regulated area, and interference with a wetland or watercourse, require a permit under section 28.1 of the Conservation Authorities Act, issued by the conservation authority rather than the municipality under O. Reg. 41/24. Watersheds do not follow municipal lines, and Niagara Region is reached by two watershed authorities — which one applies depends on where the property drains.
| Authority | Phone | Website |
|---|---|---|
| Hamilton Conservation Authority | 905-525-2181 | conservationhamilton.ca |
| Niagara Peninsula Conservation Authority | 905-788-3135 | npca.ca |
Authorities whose administrative area intersects Niagara Region. Source: Conservation Ontario, Conservation Authority Boundaries (2023); confirm the authority for a specific address with Find a Conservation Authority. Retrieved 2026-08-10.
Sourced, dated municipal and provincial data for Niagara Region — not legal advice, just the facts a closing touches.
2 authorities cover this county/region: Hamilton Conservation Authority, Niagara Peninsula Conservation Authority — which one applies depends on where the property drains. 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.
Twelve Niagara Region municipalities, one flat fee across every one of them. Start your file today and see the price now.