Flat-fee real estate law for Thunder Bay, handled entirely online — no office visit, ever. Purchases $1,354.87, sales $1,241.87, mortgages $1,241.87, all flat with HST included, disbursements and land transfer tax itemized separately at cost. Start your file online.
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 — Thunder Bay, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Thunder Bay-specific mechanics we handle on every file — so nothing surprises you at closing.
Thunder Bay properties register through the Thunder Bay Land Registry Office (LRO #55), with the filing completed electronically through ONLAND (Teraview) — a system that fits directly with how our online process is built to 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.
Thunder Bay is a City in the Thunder Bay District with a 2021 census population of about 108,843, and its buyers pay Ontario's provincial land transfer tax only, since Toronto remains the sole Ontario municipality that adds a municipal land transfer tax. We charge a flat $1,354.87 for a purchase, HST included, whatever the property type, and your provincial LTT estimate is built into your closing cost breakdown right at the start. Where a first-time buyer rebate applies, we flag it as part of that same review. Title search, mortgage instructions, and closing documents are all managed online, which keeps a Thunder Bay closing on the same track as any file we run elsewhere in Ontario.
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 Thunder Bay is priced at a flat $1,241.87, HST included, and covers discharging your existing mortgage from title, responding to the buyer's requisitions, and releasing your proceeds promptly once closing funds arrive. Land transfer tax is a cost carried by the buyer, so it never touches a seller's file. We keep Thunder Bay sellers updated through every step so closing day goes according to plan.
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 Thunder Bay properties are all handled for the same flat $1,241.87, HST included. We go through the lender's commitment letter, register the charge on title, and confirm every condition is met so funds are ready on time. Same fee applies to each of the three.
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 wouldn't need a nearby office — we serve Thunder Bay through an online process that handles document review, signing, and closing entirely by phone and email.
No. As a City in the Thunder Bay District, Thunder Bay applies Ontario's provincial land transfer tax only — Toronto is still the only Ontario municipality with a municipal add-on.
It covers our complete legal fee, HST included, in full. The provincial land transfer tax and any disbursements are outside that number, billed as their own itemized charges.
Thunder Bay property is registered at the Thunder Bay Land Registry Office, LRO #55, through electronic filing via the province's ONLAND (Teraview) system — no extra cost beyond your flat fee.
In most cases, yes. We start title review and closing preparation as soon as you retain us, specifically to protect the date already set in your agreement.
Below are official government and land registry resources for Thunder Bay buyers and sellers who want to review the source details themselves.
Open your Thunder Bay file in minutes — hear from your lawyer tomorrow.