Serving Timmins, a city within the Cochrane census division, with flat-fee real estate law delivered entirely online. One flat, HST-included price applies whether you're purchasing, selling, or handling a mortgage — start your file whenever suits you.
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 — Timmins, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Timmins-specific mechanics we handle on every file — so nothing surprises you at closing.
Registration for Timmins properties runs electronically through ONLAND (Teraview) at the Cochrane Land Registry Office (LRO #6), which lines up directly with how our online process is designed to work from end to end.
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.
If you're buying property in Timmins, the tax math is simple: only Ontario's provincial land transfer tax applies, since Timmins carries no municipal land transfer tax of its own. We build that provincial LTT estimate into your closing cost breakdown from day one and flag any rebate you may be eligible for. Timmins is a city of about 41,145 residents in the Cochrane district, and no matter what kind of home you're closing on — detached, semi, or condo — the same flat fee and single-tax structure applies. You'll always know your total cost upfront.
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 Timmins follows the standard Ontario process on our end: discharging your existing mortgage from title, responding to the buyer's requisitions, and releasing your proceeds promptly at closing. Land transfer tax is a cost the buyer carries, not you, so it has no effect on your file. We check in at each stage so closing day arrives without 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.
Timmins mortgage files go through our Mortgage service at one flat, HST-included price, whether it's a new purchase mortgage, a refinance, or a private registration. We review the commitment letter from your lender, register the charge, and confirm the closing conditions before releasing funds on schedule.
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.
A Timmins storefront isn't part of how we operate — we manage document review, signing, and the closing itself by phone and email, covering downtown Timmins and the wider Cochrane district the same way.
No. Timmins isn't Toronto, so buyers here pay Ontario's provincial land transfer tax only — no municipal land transfer tax gets added on.
Our quoted number already has HST worked in. The provincial land transfer tax and, if you choose it, title insurance are priced apart from that, so our legal fee and third-party costs stay distinct.
Timmins properties are registered at the Cochrane Land Registry Office (LRO #6), filed electronically through ONLAND (Teraview) — that filing is included in your flat fee.
We start title review, mortgage instructions, and closing documents as soon as you retain us, and your Timmins closing proceeds on whatever date your signed agreement names — that date belongs to the contract, not to us.
Below are official government and land registry resources for Timmins homebuyers and sellers who want to look into the details themselves.
Open your Timmins file in minutes — hear from your lawyer tomorrow.