Serving St. Clair Township, we run flat-fee real estate closings entirely online, so there's never an office to visit in person. Buying, selling, or refinancing here costs a single transparent price, with HST already built in.
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. Clair, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The St. Clair-specific mechanics we handle on every file — so nothing surprises you at closing.
St. Clair registrations are recorded through the Lambton Land Registry Office (LRO #25), using Ontario's electronic ONLAND (Teraview) system for the actual filing. We handle that step the same way we handle everything else on your file: online.
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.
A St. Clair purchase carries provincial land transfer tax and no municipal equivalent, since that extra layer is unique to Toronto within Ontario. Your closing cost breakdown reflects that provincial number and any rebate you're able to claim. As of 2021, St. Clair's population was roughly 14,659, across 6,528 total private dwellings, 6,021 occupied. Waterfront, detached, or rural — one fee, one process, every time.
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.
A St. Clair sale runs through the same steps every file does with us: mortgage discharge, requisition responses, and prompt release of your proceeds once registration is done. Since land transfer tax is charged to buyers exclusively, it's a non-issue for sellers. Your statement of adjustments lays the final numbers out clearly.
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 prices new purchase financing, refinances, and private mortgage registrations on St. Clair property identically — one flat fee, HST included. We go through the commitment letter, prepare the charge for registration, and confirm the lender's conditions are satisfied so your funds are ready on time.
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.
We don't operate out of a St. Clair storefront, and you won't need us to — your file gets handled start to finish by a lawyer reachable by phone and email.
No. St. Clair buyers owe only the provincial land transfer tax; the municipal layer some people expect exists only in Toronto.
The flat fee, with HST factored in, is what covers our legal services — nothing more. Provincial land transfer tax and optional items like title insurance are government or third-party costs, itemized apart from our fee.
St. Clair transactions are recorded at the Lambton Land Registry Office, LRO #25, with electronic filing through ONLAND (Teraview) handled by us at no additional cost.
Yes. No matter which part of St. Clair Township your property sits in, the flat fee and our process stay exactly the same.
Below are official Ontario and land registry links for St. Clair buyers, sellers, and homeowners who want to dig into the details themselves.
Open your St. Clair file in minutes — hear from your lawyer tomorrow.