North Bay, a single-tier City in the Nipissing district with a population of about 52,662, is served by our fully online, flat-fee real estate law practice. Purchases, sales, and mortgage files are each priced at one clear, HST-included fee.
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 — North Bay, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The North Bay-specific mechanics we handle on every file — so nothing surprises you at closing.
North Bay closings register at the Nipissing Land Registry Office (LRO #36). Filing happens electronically through ONLAND (Teraview), which lines up naturally with the fully online way we run every file.
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.
North Bay buyers are only responsible for Ontario's provincial land transfer tax, since municipal land transfer tax exists solely in Toronto among Ontario municipalities. We build a provincial land transfer tax estimate — and note any rebate that could apply to you — into the closing cost breakdown you receive when your file opens. Regardless of the type of home you're closing on in North Bay, our purchase fee is a flat $1,354.87, HST included, with disbursements and land transfer tax itemized separately at 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.
For a North Bay sale, we take care of discharging your existing mortgage from title, answering the requisitions the buyer's lawyer raises, and preparing everything needed to transfer ownership on closing day. We then calculate and send your proceeds without delay once funds are confirmed. Since land transfer tax is a buyer's cost, it never factors into a seller's file. Our sale fee is a flat $1,241.87, HST included, with disbursements extra.
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.
Whether you're arranging a new purchase mortgage, refinancing, or registering a private mortgage on a North Bay property, our Mortgage service is a flat $1,241.87, HST included. We go through your lender's commitment letter, register the charge on title, and make sure the lender's conditions are satisfied so funding proceeds on schedule.
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 a North Bay storefront to get thorough, local-feeling service — we handle document review, signing arrangements, and closing entirely online and by phone for North Bay clients.
No. North Bay follows Ontario's standard rule: only Toronto charges a municipal land transfer tax. North Bay buyers pay the provincial land transfer tax and no municipal equivalent.
No — our flat fee includes HST and covers our legal work. Government costs like the provincial land transfer tax, along with optional title insurance, are itemized on their own so you see exactly what each charge is.
The Nipissing Land Registry Office, LRO #36, with registration completed electronically through ONLAND (Teraview) as part of our standard process.
No. North Bay is a single-tier City of about 52,662 people in the Nipissing district, and our flat-fee, fully online process applies the same way there as it does anywhere in the province.
Below are official government and land registry resources for North Bay buyers, sellers, and owners who'd like to verify the details independently.
Open your North Bay file in minutes — hear from your lawyer tomorrow.