Buying a home involves more than signing the agreement. Between acceptance and closing, we make sure you receive the property you bargained for, free of problems that could cost you later.
What we handle
- Review of the agreement of purchase and sale and any conditions
- Title, execution and property tax searches
- Requisitions to the seller's lawyer when issues come up
- Title insurance
- Your lender's mortgage instructions and documents
- The statement of adjustments, so you pay the correct balance
- Land transfer tax, including any first-time homebuyer refund
- Electronic registration of your deed and mortgage
First-time buyers
If you qualify, Ontario refunds up to $4,000 of the land transfer tax. We confirm your eligibility and claim it at registration. Use the closing cost estimator to see what applies to you.
Estimate your land transfer tax
Questions
When do I need my down payment?
The balance of your down payment and closing costs is due a few days before closing, usually by bank draft or wire. We confirm the exact amount in writing.