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Our real estate lawyers handle local and province-wide residential real estate purchases, sales, and mortgage-refinance transactions. Our lawyers and our Expedited Realty Services (ERS) department have years of experience providing home buyers and home sellers with a full range of real estate legal services for home purchases, home sales and mortgage transactions.

Siskinds ERS department offers you peace of mind by providing you with an all-inclusive, fixed-cost price* at the beginning of our hassle-free closing process. We won’t quote you a low legal fee and then nickel and dime you with disbursements that can triple your cost or more. With Siskinds ERS we will quote you the bottom line price, including all standard disbursements, allowing you to budget accordingly, limiting unexpected additional costs on closing.

ERS All-Inclusive Pricing*

Purchases

The fees of our purchase packages all depend on the purchase price of the property, since the cost of a number of our included disbursements increase the more expensive the property is.

Up to $499,999: $1,799.99 plus HST plus Land Transfer Tax
$500,000 - $749,999: $1,999.99 plus HST plus Land Transfer Tax
$750,000 - $999,999: $2,299.99 plus HST plus Land Transfer Tax

For properties $1,000,000 and over our fee is $2,299.99 plus HST plus Land Transfer Tax, plus additional title insurance premiums. Please contact Siskinds ERS for a specific quote.

Our purchase package fees include our review of the Agreement of Purchase and Sale, our review of any Amendments and Waivers, our review of your property insurance binder, the preparation of legal documentation for closing, our review of mortgage instructions on a first mortgage, the arranging of title insurance, typical search fees, our review of title to the property being purchased to the extent required by title insurance, our review of writ searches, the title insurance premium, government registration fees for one transfer and up to one mortgage, us attending to closing your transaction, and disbursements such as paper, faxing, long distance charges and courier costs.

Sometimes Siskinds ERS will be required to undertake certain tasks that are not included in the purchase package fees. Siskinds ERS will advise you when those fees will apply. Additional fees will apply if there is more than one mortgage, if Siskinds ERS is required to write to creditors, if there are additional registrations, if the property is not vacant on closing, if the property will not be owner-occupied, if you are not using an institutional lender, if any buyer is a non-resident of Canada, and in relation to matters that are beyond the scope of a standard residential real estate transaction. Common additional fees include:

Condominium Status Certificate - $100.00 per unit to order Certificate
Condominium Status Certificate - $150.00 plus HST to review
Condominium Interim Closing - $300.00 plus HST plus Disbursements
Late Mortgage Instructions - $300.00 plus HST
Drafting Agreement - $350.00 plus HST

Sales

Siskinds ERS offers our sale package at $1,099.99 plus HST.

Our sale package fees include our review of the Agreement of Purchase and Sale, our review of any Amendments and Waivers, the preparation of legal documentation for closing, typical search fees, our review of writ searches, us attending to the discharge of one mortgage, us paying from the proceeds of sale the balance of any real estate commission owing, us attending to closing your transaction, and disbursements such as paper, faxing, long distance charges and courier costs.

Sometimes Siskinds ERS will be required to undertake certain tasks that are not included in the sale package fees. Siskinds ERS will advise you when those fees will apply. Additional fees will apply if there is more than one mortgage or encumbrance on title, if we need to write to creditors, if the property is not vacant on closing, if survivorship or other estate administration matters need to be attended to, if any seller is a non-resident of Canada, and in relation to matters that are beyond the scope of a standard residential real estate transaction. Common additional fees include:

Additional Payouts - $95.00 plus HST per additional payout
Drafting Agreement - $350.00 plus HST

Refinance

The fees of our refinance packages all depend on the total mortgage amount, since the cost of a number of our included disbursements increase with the mortgage amount.

Up to $749,999 - $1,399.99 plus HST

For mortgages $750,000 and over our fee is $1,399.99 plus HST plus additional title insurance premiums. If title is changing as a result of the refinance an additional fee of $399.99 plus HST will apply. Land Transfer Tax, if applicable, will also be in addition to this fee.

Our refinance package fees include our review of your property insurance binder, the preparation of legal documentation for closing, our review of mortgage instructions on a first mortgage, the arranging of title insurance, typical search fees, our review of title to the property being mortgaged to the extent required by title insurance, our review of writ searches, the title insurance premium, government registration fees for up to one mortgage, us attending to closing your transaction, us attending to the discharge of one mortgage, and disbursements such as paper, faxing, long distance charges and courier costs.

Sometimes Siskinds ERS will be required to undertake certain tasks that are not included in the refinance package fees. Siskinds ERS will advise you when those fees will apply. Additional fees will apply if there is more than one mortgage, if Siskinds ERS is required to write to creditors, if there are additional registrations, if the property is not vacant on closing, if the property will not be owner-occupied, if you are not using an institutional lender, if any mortgagor is a non-resident of Canada, and in relation to matters that are beyond the scope of a standard residential real estate transaction. Common additional fees include:

Additional Payouts   -   $95.00 plus HST per additional payout
Condominium Status Certificate   - $100.00 per unit to order Certificate
Condominium Status Certificate   - $150.00 plus HST to review
Late Mortgage Instructions - $300.00 plus HST

*Some exceptions apply. Please contact Siskinds LLP for more details. ERS pricing applies only to standard owner-occupied single-family residential transactions, where the property is connected to a municipal sewer and/or water system, and where the property is not bound on any side by water. All prices quoted are for standard transactions.

Land Transfer Tax

Land Transfer Tax (“LTT”) is payable to the Ontario government at the time we close a purchase transaction. It can also be payable if title is changing as part of a refinance. For properties located in Toronto there is an additional Municipal Land Transfer Tax (“MLTT”).

To calculate LTT please visit http://www.ratehub.ca/land-transfer-tax. Please note that the results may not be 100% accurate. For more details on LTT please contact Siskinds ERS.

If an agreement of purchase and sale is entered into after November 14, 2016, and registration or the disposition occurs on or after January 1, 2017, the tax rates on the value of the consideration are as follows:

Amounts up to and including $55,000: - 0.5%
Amounts exceeding $55,000, up to and including $250,000:   -  1.0%
Amounts exceeding $250,000, up to and including $400,000: -  1.5%
Amounts exceeding $400,000: -   2.0%
Amounts exceeding $2,000,000: -   2.5%

The additional tax on amounts exceeding $2,000,000 only applies where the land contains one or two single family residences.

The Toronto MLTT rates are the same as the LTT rates, meaning that if you are purchasing or refinancing in Toronto the transfer tax payments will be double that of the rest of the Province of Ontario. Toronto also charges an administration fee of $79.50 plus HST on top of the MLTT rate.

Purchasers who have never been on title to a property anywhere in the world before might be eligible for a transfer tax rebate. The maximum rebate in Ontario is $4,000, and in Toronto is $8,475 (being the $4,000 Ontario rebate and an additional $4,475 Toronto rebate). There are situations where a purchaser might not qualify for a rebate, even though the purchaser has never been on title to a property before. To qualify for a rebate the purchaser’s spouse cannot have owned a home, or an interest in a home, anywhere in the world while being the spouse of the purchaser. Purchasers must also be Canadian citizens or permanent residents of Canada to qualify. For more information please contact Siskinds ERS.

Non-Residents

If any buyer, seller or mortgagor is not a Canadian resident then additional fees and procedures may apply.

A non-resident speculation tax equal to 15% of the purchase price applies on the purchase or acquisition of an interest in residential property located in the Greater Golden Horseshoe Region by individuals who are not citizens or permanent residents of Canada or by foreign corporations.

To comply with income tax requirements, 25% of the sale price of any property sold by a non-resident of Canada will be withheld, to ensure the payment of income tax liabilities. Those funds will only be released once the Canada Revenue Agency provides a Certificate confirming that no taxes remain outstanding. Additional legal fees will also apply if Siskinds ERS is required to coordinate with the Canada Revenue Agency. We would advise any non-resident seller to consult with an accountant prior to selling property in Ontario.

Our Team

Learn more about Matthew Wilson.

Matthew Wilson

Associate - Business Law, Commercial Real Estate
Learn more about Laura Geddes.

Laura Geddes

Associate - Real Estate Services, Wills & Estate Planning

Lawyers Across Our Firm

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Reviews

5 out of 5 stars.

I cannot thank you enough for what you [Chris Collins] and Charlene [Howlett] have done for me! I was so wary and anxious about beginning the legal process, but you and Charlene expertly guided me through it all, every step of the way. Charlene’s timely, patient responses and quick results when dealing with my own insurance company were all truly amazing. Words cannot express how much I appreciate your kindness, thoughtfulness, patience and steady support when I felt so unsure and my head was spinning. The outcome was an amazing, surprise, surpassing my hopes. The timing couldn’t have been more perfect. From the bottom of my heart I thank you so very much! - C.E.

5 out of 5 stars.

I am very thankful to have been represented by Marie [Tukara] in what started as a high conflict marriage separation. I wanted to fight back as hard as possible, but not compromise my own integrity and sense of fairness. Marie was the right lawyer for me, as her integrity and desire for fairness, especially with respect to the children, was in line with my own. I found her to be incredibly competent and efficient in synthesizing a complex story into a concise response for legal documentation. In short, with Marie I was able to neutralize a large amount of unfairness delivered my way without having to stoop to the other party’s level, which is what any self-respecting person would ultimately want from their lawyer in my position. - A.S.

4 out of 5 stars.

When my husband and I bought a business, we chose Siskinds as we had a friend working there. Our purchase was relatively straightforward, and the lawyers involved gave us just the right amount of advice and legal support. They kept the amount of work inline with the size of our business, which was great. I'm giving four stars as our work wasn't complicated, but I wanted to say that you shouldn't be afraid of using a big firm like Siskinds for anything you need. -L.G.