Serving St. Catharines with flat-fee real estate law, handled online from start to close. Purchases $1,354.87, sales $1,241.87, mortgages $1,241.87 — flat, HST included, with disbursements and land transfer tax billed separately at cost. Book your file online, any time.
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 — St. Catharines, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The St. Catharines-specific mechanics we handle on every file — so nothing surprises you at closing.
Registration for St. Catharines properties is completed electronically through ONLAND (Teraview) rather than at a physical land registry counter, so our fully online process matches how these files are actually registered in the Niagara Region.
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.
St. Catharines is a City in the Niagara Region, home to about 136,803 people as of the 2021 census, and its buyers pay Ontario's provincial land transfer tax only — Toronto is still the one Ontario municipality that charges a municipal land transfer tax. Our purchase fee is a flat $1,354.87, HST included, no matter the property type, and we build your provincial LTT estimate into your closing cost breakdown from the beginning. Any first-time buyer rebate you may qualify for is flagged during that review. Registration is completed electronically rather than in person, so title search, mortgage instructions, and signing are all handled online.
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 St. Catharines is a flat $1,241.87, HST included, and covers discharging your existing mortgage, responding to the buyer's requisitions, and releasing your proceeds promptly once the deal closes. Land transfer tax is charged to the buyer, so it never factors into a seller's file. We keep clients across the Niagara Region posted through every stage, so closing day brings no last-minute surprises.
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 St. Catharines properties are all handled for the same flat $1,241.87, HST included. We go through the lender's commitment letter, register the charge, and confirm every condition is met so funds are ready on time. That single fee applies to whichever of the three fits your situation.
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 nearby office to work with us — we serve St. Catharines and the Niagara Region through an online process, with document review, signing, and closing handled by phone and email.
No. As a City in the Niagara Region, St. Catharines applies only Ontario's provincial land transfer tax — there's no additional municipal land transfer tax.
That's the whole of it, HST and all. Anything beyond our legal work — the provincial land transfer tax, any disbursements — gets billed on its own, at cost.
Registration for St. Catharines properties is completed electronically through ONLAND (Teraview) as part of our flat fee, without the need to name a physical counter.
Most files stay on schedule. As soon as you retain us, we begin title review and prepare your closing documents so the agreed date holds.
Below are official government and land registry resources for St. Catharines and the Niagara Region for buyers and sellers who'd like to review them directly.
Open your St. Catharines file in minutes — hear from your lawyer tomorrow.