Serving Warwick township with a flat-fee real estate practice — one HST-included price for purchases, sales, and refinances, with the entire file handled online rather than in person at a local office.
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 — Warwick, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Warwick-specific mechanics we handle on every file — so nothing surprises you at closing.
Warwick properties register through the Lambton Land Registry Office (LRO #25), and that registration happens electronically through ONLAND. Because the filing step is electronic, our online process handles Warwick closings the same way any local firm would.
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.
Warwick is a township in Lambton County, and buyers there pay Ontario's provincial land transfer tax only, since Toronto is the sole Ontario municipality with its own municipal land transfer tax on top. We include that provincial LTT figure in your closing cost breakdown well ahead of closing. Warwick's 2021 population was 3,641, with 1,425 total private dwellings recorded, of which 1,357 were occupied by usual residents. Purchase files, for any property type, are priced at a flat $1,354.87, HST included, with disbursements and the provincial LTT itemized and billed separately at cost.
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.
On a Warwick sale, we discharge your existing mortgage from title, respond to requisitions from the buyer's lawyer, and release your proceeds once the transaction closes. Since land transfer tax is charged to buyers, it doesn't factor into a seller's bill. Our flat sale fee is $1,241.87, HST included, and we keep you informed at each stage of the closing.
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.
Warwick mortgage work — new purchases, refinances, or private mortgage registrations — is priced at one flat fee of $1,241.87, HST included, through our Mortgage service. We review your lender's commitment letter, register the charge against title, and confirm conditions are satisfied so funds are ready on time. The fee is the same regardless of which type of mortgage work you need.
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.
Our firm works with Warwick clients online — reviewing documents, arranging signing, and closing files entirely by phone and online.
No. Warwick buyers pay Ontario's provincial land transfer tax only, since the extra municipal land transfer tax applies in Toronto and nowhere else.
The provincial land transfer tax and optional title insurance are billed separately, at cost. Our flat fee, HST included, is strictly our legal fee.
Warwick properties register at the Lambton Land Registry Office (LRO #25), with the registration itself completed electronically through ONLAND.
We begin title review and document preparation as soon as retainer is confirmed, so the closing day your agreement established stays exactly where it is.
Below are official government and land registry resources for Warwick buyers and sellers who'd like to check the source figures.
Open your Warwick file in minutes — hear from your lawyer tomorrow.