Serving St. Thomas, a city in Elgin County, with flat-fee real estate law you can complete entirely online. One transparent price, HST included, covers your purchase, sale, or mortgage file from start to finish — no office visit required to close.
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. Thomas, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The St. Thomas-specific mechanics we handle on every file — so nothing surprises you at closing.
St. Thomas registrations run electronically through ONLAND (Teraview) at the Elgin Land Registry Office (LRO #11), which is exactly how our online process is built to work — no paper filing, no in-person trip to a registry counter.
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.
Buyers closing in St. Thomas pay Ontario's provincial land transfer tax only; the city has no municipal land transfer tax layered on top the way Toronto does. We fold your provincial LTT estimate into your upfront closing cost breakdown before you sign anything, and we flag any first-time buyer rebate you may qualify for. St. Thomas is a city of roughly 42,840 people sitting within Elgin County, and whether your closing involves a detached house, a townhome, or a condo unit, the same flat-fee process and single-tax structure applies across the board. You'll know your total cost before your file even opens.
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.
When you sell a home in St. Thomas, our role is to discharge your existing mortgage from title, respond to the buyer's lawyer's requisitions, and release your net proceeds promptly once the deal closes. Land transfer tax is the buyer's expense, not yours, so it never appears on your statement of adjustments. We keep you posted at each stage of the file so nothing about closing day catches you off guard.
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 takes care of new purchase mortgages, refinances, and private mortgage registrations on St. Thomas properties, all under one flat, HST-included fee. We review your lender's commitment letter, register the charge against title, and confirm every closing condition is satisfied so your funds are ready to move on schedule — new, refinance, or private, the process and the price stay the same.
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 downtown St. Thomas office to get full-service representation. Our entire process — reviewing documents, signing, and closing — runs online and by phone, so residents across Elgin County get the same service without a commute.
No. St. Thomas isn't Toronto, so only the provincial land transfer tax applies here — there's no municipal land transfer tax added to your closing costs.
HST is already part of our flat number. The provincial land transfer tax and, if you add it, title insurance are billed separately as their own government or third-party charges, never folded into the legal fee.
St. Thomas properties register through the Elgin Land Registry Office (LRO #11), filed electronically through ONLAND (Teraview) as part of your flat fee — no extra charge for that step.
Once you retain us, we begin title review, mortgage instructions, and closing document prep right away, aiming to keep your file on the closing date already set out in your agreement of purchase and sale.
Below are official government and land registry resources for St. Thomas homebuyers and sellers who'd like to review the details firsthand.
Open your St. Thomas file in minutes — hear from your lawyer tomorrow.