Serving Severn Township, we manage real estate closings entirely online at one flat, HST-included price, whether you're buying, selling, or refinancing. There's no in-person office visit built into the process at any point.
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 — Severn, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Severn-specific mechanics we handle on every file — so nothing surprises you at closing.
Severn registrations run through the Simcoe Land Registry Office (LRO #51), with the actual paperwork submitted electronically via ONLAND (Teraview). Since our process has never depended on a physical office, that electronic filing is simply part of how we already work.
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.
On a Severn purchase, only the provincial land transfer tax applies; Toronto remains the single Ontario exception with its own municipal charge. We build that provincial figure into your estimate up front, alongside any rebate you may be owed. Severn's 2021 census population was about 14,576, across 7,073 total private dwellings, with 5,804 occupied. Cottage or year-round home, the fee remains unchanged.
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 Severn sale, we clear your existing mortgage off title, respond to the buyer's requisitions, and release your proceeds right after registration is confirmed. Land transfer tax is strictly a buyer's cost, so it has no effect on what you net as seller. A clear statement of adjustments accompanies your 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.
New purchase mortgages, refinances, and private mortgage registrations on Severn property all cost the same through our Mortgage service — one flat fee, HST included. The lender's commitment letter gets reviewed, the charge gets prepared and registered, and every condition gets checked off before your funds move.
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 won't find a Severn branch office, because we don't need one — your file is reviewed, explained, and signed off online, with a lawyer available by phone throughout.
No. Severn applies Ontario's provincial land transfer tax only; the extra municipal tax people sometimes mention is a Toronto-only feature.
Our flat fee, HST included, is the full cost of our legal services on your file. The provincial land transfer tax — and title insurance, if you opt for it — reach you as their own separate amounts.
Severn falls under the Simcoe registry division (LRO #51), and the electronic ONLAND (Teraview) filing is taken care of by us as part of your fee.
Yes. Whether your Severn property is a year-round residence or a seasonal cottage, the flat fee and the steps in our process are identical.
Below are official Ontario and land registry resources for Severn buyers, sellers, and homeowners who want to check the details for themselves.
Open your Severn file in minutes — hear from your lawyer tomorrow.