Serving Waterloo with flat-fee real estate law, handled online from offer to close. Purchases $1,354.87, sales $1,241.87, mortgages $1,241.87 — flat, HST included, with disbursements and land transfer tax shown separately at cost. Book your file whenever it works for 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 — Waterloo, Ontario. Reproduced and distributed on an “as is” basis with the permission of Statistics Canada. Retrieved 2026-07-28.
The Waterloo-specific mechanics we handle on every file — so nothing surprises you at closing.
Waterloo properties register through the Waterloo North Land Registry Office (LRO #58), with the registration itself completed electronically through ONLAND (Teraview) — matching exactly how our online process is designed to run.
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.
Waterloo is a City within Waterloo Region, home to roughly 121,436 people according to the 2021 census, and buyers here pay Ontario's provincial land transfer tax only, since Toronto is still the one Ontario municipality with an added municipal land transfer tax. Our purchase fee is a flat $1,354.87, HST included, across every property type, and we build the provincial LTT estimate into your closing cost breakdown before you commit. Any first-time buyer rebate you may qualify for is flagged during that review. Title search, mortgage instructions, and signing are all handled online, so a Waterloo closing runs the same across the region.
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 Waterloo sale is a flat $1,241.87, HST included, and covers discharging your mortgage from title, responding to the buyer's requisitions, and releasing your proceeds promptly on closing. Land transfer tax is a buyer's expense, not a seller's, so it never appears on your file. We keep Waterloo Region sellers informed through each stage of the process so closing day proceeds 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.
New purchase mortgages, refinances, and private mortgage registrations on Waterloo properties are all handled at the same flat $1,241.87, HST included. We review the lender's commitment letter, register the charge on title, and confirm the conditions are met so your funds are ready when required. One fee applies across all 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.
We handle Waterloo closings across Waterloo Region without a local office, managing document review, signing, and closing entirely online and by phone.
No. As a City in Waterloo Region, Waterloo applies only Ontario's provincial land transfer tax — no municipal land transfer tax is added.
It is, in full — HST included, nothing extra folded in. The provincial land transfer tax and any disbursements are billed apart from that number and shown as their own items.
Waterloo property is registered at the Waterloo North Land Registry Office, LRO #58, with the filing itself submitted electronically through the province's ONLAND (Teraview) system.
Most files close right on schedule. Once retained, we begin title review and closing preparation immediately to protect that agreed date.
Below are official government and land registry resources for Waterloo and Waterloo Region buyers and sellers who want to check the details themselves.
Open your Waterloo file in minutes — hear from your lawyer tomorrow.