Serving Pembroke, our flat-fee real estate practice operates fully online, with no in-office appointment required at any point in your file. Purchases, sales, and refinances are each handled for one clear price, HST included.
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 — Pembroke, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Pembroke-specific mechanics we handle on every file — so nothing surprises you at closing.
The Renfrew Land Registry Office (LRO #49) is where Pembroke transactions register, though the filing itself is done electronically through Ontario's ONLAND (Teraview) platform. That electronic step fits directly into a process we've already built to run without paper counters.
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.
Pembroke buyers pay one land transfer tax — Ontario's provincial rate — because the municipal version Toronto charges has no equivalent here. That provincial amount, and any rebate you're eligible for, gets worked into your closing cost figures early on. The 2021 census recorded Pembroke's population at 14,364, across 6,888 total private dwellings, with 6,542 occupied. Any style of home you're buying moves through the identical flat-fee process.
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 Pembroke file, selling means we discharge your current mortgage, work through the buyer lawyer's requisitions, and get your proceeds released once the deal is registered. Since land transfer tax applies only to buyers, it never shows up on your side of the ledger. We update you through each step so nothing is a surprise at closing.
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.
Our Mortgage service handles new purchase financing, refinances, and private mortgages on Pembroke property at a single flat, HST-included rate. We go line by line through the lender's commitment letter, get the charge registered, and confirm each condition is cleared so your funds are released 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.
Finding office parking downtown in Pembroke isn't part of the process. We manage your file by phone and email, and arrange signing electronically wherever you're located.
No. Pembroke buyers pay only the provincial land transfer tax — Toronto is the single exception with an added municipal charge.
The flat, HST-included fee we quote covers our legal work start to finish. Anything the government or a third party charges — provincial land transfer tax, optional title insurance — is itemized on its own line.
The Renfrew Land Registry Office, LRO #49, covers Pembroke transactions. We submit that registration electronically through ONLAND (Teraview), included in your flat fee.
Yes. Since the entire process runs online, your location on closing day doesn't matter — signing and registration proceed the same way regardless of where you're living at the time.
Here are official government and land registry resources for Pembroke buyers, sellers, and owners who want to review the specifics themselves.
Open your Pembroke file in minutes — hear from your lawyer tomorrow.