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All Services
Real Estate Closings & Property Law
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Library
Articles
Resources
Videos & Media
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Costs to Incorporate, Update & Organize Minute Books
Wills and Power of Attorney Fees & Costs
Incorporations
Make A Payment
Our Retainers
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Closing Calculators
CMHC Insurance Calculator
Purchase Price
Mortgage insurance is only available when the purchase price is below $1,000,000.
Down Payment
What is your employement status?
Employed
Self-Employed
Mortgage Amount:
If your downpayment is less than 20% of the cost of your house, you will need mortgage insurance (like CMHC). For most buyers, if you have at least a 20% downpayment, there will be no CMHC insurance premium.
$
Your loan to value ratio:
%
CMHC insurance premium rate:
%
Total CMHC Insurance Premium:
$
Extended Amortization Surcharges
Extended Amortization Surcharges - if you want more than 25 years amortization period.
Add 0.20% for every 5 years of amortization beyond the 25 year mortgage amortization period.
GST/HST New Housing Rebate Calculator
Enter the Listing Price Here
HST included Price Net of Rebate (Listing Price)
HST Included Price:
$
Purchase Price Before HST:
$
HST:
$
Federal Portion:
$
Ontario Portion:
$
Federal Rebate:
$
Ontario Rebate:
$
Total Rebate:
$
Land Transfer Tax Calculator
Purchase Price
Down Payment
First-time Home Buyer
Province
Select the province...
Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland and Labrador
Nova Scotia
Ontario
Prince Edward Island
Quebec
Saskatchewan
Northwest Territories
Nunavut
Yukon
City
Select the city...
Montreal
Toronto
Mortgage Amount:
$
Land Transfer Tax:
$
Land Transfer Tax Rebate:
$
Total Land Transfer Tax Amount:
$
Monthly Mortgage Payment Calculator
Purchase Price
Mortgage insurance is only available when the purchase price is below $1,000,000.
Down Payment
What is your employement status?
Employed
Self-Employed
Amortization Period in Years
The length of time it will take a homeowner to pay off his/her mortgage. In Canada, the maximum amortization period for insurable mortgages is 25 years. Longer amortization periods allow homeowners to make smaller monthly payments, but equate to more interest paid over the life of the mortgage.
Annual Interest Rate
The rate of interest you will pay on the outstanding balance of your mortgage. This is determined by the mortgage type and mortgage provider.
Payment Frequency
The number of payments per year.
Monthly
Bi-weekly
Accelerated Bi-weekly
CMHC insurance premium rate:
If your downpayment is less than 20% of the cost of your house, you will need mortgage insurance (like CMHC). For most buyers, if you have at least a 20% downpayment, there will be no CMHC insurance premium.
%
CMHC insurance premium amount:
$
8% PST on your CMHC insurance premium:
$
Mortgage Amount:
$
Your total mortgage:
$
Payment per period:
$
Sum of payments:
$
Interest cost:
$
Monthly Home Costs Calculator
Your Monthly Mortgage Payment
If you don't know your monthly mortgage payment, use our online calculator.
Click here
Your Annual Property Taxes
Your Monthly Heating Cost
Use an Estimated Cost
Your Monthly Hydro Cost
Use an Estimated Cost
Your Monthly Water and Sewage Cost
Use an Estimated Cost
Other House Related Costs You Know Of
Average Per Month
Your monthly property taxes:
$
Total monthly minimum home ownership costs:
$
This is the minimum you can plan to spend each month just for owning your new home. It does not take into account home maintenance costs or renovation costs.
Mortgage Calculator
Purchase Price
Mortgage insurance is only available when the purchase price is below $1,000,000.
Down Payment
What is your employement status?
Employed
Self-Employed
Mortgage Amount:
$
Your loan to value ratio:
%
CMHC insurance premium rate:
If your downpayment is less than 20% of the cost of your house, you will need mortgage insurance (like CMHC). For most buyers, if you have at least a 20% downpayment, there will be no CMHC insurance premium.
%
CMHC insurance premium amount:
$
8% PST on your CMHC insurance premium:
$
Total Mortgage Amount:
$
Extended Amortization Surcharges
Extended Amortization Surcharges - if you want more than 25 years amortization period.
Add 0.20% for every 5 years of amortization beyond the 25 year mortgage amortization period.
Calculate your monthly payment
Private Mortgage Closing Costs Calculator
Acting for
Acting for the Mortgagor (borrower)
Acting for the Mortgagee (lender)
Amount of the Loan
What is the total amount of your new mortgage including any insurance premiums such as CMHC fees?
This applies when acting for a private lender only, where the loan is greather than $50,000. And in acting for both the private lender and borrower where the loan is equal to or less than $50,000. (Also by private lender we mean NOT a Bank, Trust Company, Credit Union or other financial lending institution)
Fee
$
Disbursement
$
Statutory
$
ELRSA
$
Do you want to calculate the Title Insurance?
Yes
No
Title Insurance
$
Tenancies
If your property is a residential multi-plex made up of more than one (1) single family residence but up to six (6) residences, please enter how many tenants there are.
(e.g. if your property has more than six (6) single family residences, in other words, more than six (6) apartments please contact us for a quote, otherwise enter the number of tenants. If there are no tenants enter "0" (zero))
Fee
$
Title Insurance & Mortgages
Will you be transfering title to a spouse?
(If you intend to transfer title to anyone other than your spouse then we will need to treat this like a purchase as well in addition to, and depending on how you are doing the transfer you may or may not be obligated to pay land transfer taxes. Please call us to discuss, possible solutions.)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Will this new mortgage be registered against more than one property?
(i.e. will this mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Will you be obtaining an additional mortgage, line of credit, bridge loan or other form of additional financing, which we will be acting on in addition to this mortgage?
No
Yes
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Is this new second mortgage, line of credit or other form of financing, which we will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending institution)
Yes
No
Title Insurance
$
Will this new second mortgage be registered against more than one property?
(i.e. will this second mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Searches & Due Diligence
Do you want a Property Tax Certificate ordered?
(Recommended in situations where you suspect the borrower/owner has not paid the property taxes for a while and are uncertain of what is owed exactly.) (As the owner they inherit all past property taxes and thus will be responsible to pay all arears plus interest and penalties, often times its easy to loose track of what they owe, or they may have substantially renovated or built new the property you are lending against, thus resulting in Supplemnetary or Omitted Tax Bills that have been recently issued or overlooked. Remember Property Taxes take precedence over mortgages even if your mortgage was registered prior to the property tax lien.)
Yes
No
Disbursement
$
Do you want a Property Information Report?
(Recommended for custom new built homes, homes that have been renovated or look like they had some work done) (The borrower/owner inherits all active building permits, violations, work orders and the zoning designation that apply to the property, this could cost thousands to remedy and possibly requiring one to retain architects, planners and lawyers as well. The letter describes what the property is zoned for, if there are any applicable by-laws and if there is anything active on the property (e.g. active building, heating and plumbing notices or orders to comply, it will identify any outstanding work orders, previous Committee of Adjustment applications or building activity, as well as anything related. For example, outstanding workorders and open permits could mean thousands of dollars are required to rememdy the issue, thus resulting in lowering the marketability of the property reducing its overall value and therefore your Loan To Value as a lender will be higher.)
Yes
No
Disbursement
$
Do you want a thorough Property Title Search and Off-Title Search?
(Recommended for properties that are NOT condos or subdivison homes, average cost is $250 for simple single family dwellings, more so for larger parcels of lands and buildings) (The borrower/owner inherits the entire history of ownership, such as encumbrences, right-of-ways, easements and planning act violations, most of which cannot be discovered by a simple title search of the property only. Most lawyers will only pull title to mortgaged property, without studying the abbuting lands bordering the property lines and their history of ownership. These lawyers will require the borrower/owner and lender to rely on the title insurance they ordered for you instead. This often results in an incomplete conveyance of title, whereby a severe planning act violation resulted in a nulliefied transfer some-time in the past, resulting in the seller never having the right or conset to have sold the borrower/owner the property or acquire the property himself when he did (Yes, a very scary situation). Not to mention complications when shared laneways, driveways, access roads or paths are never registered on title or are not exactly as they appear to be when the borrower/owner or the lender visited the property. Often times lawyers will not know what to look for without studying the abbuting lands and their right-of-ways. And although the original seller may have been enjoying the use of a neighbors driveway or lanway, it was never registered on title to either property, and therefore can be taken away at any time. Hence often times buyers are paying for something that can be taken away at anytime. Also title insurance may not be that quick to help, like all insurance companies you need to first show that the problem falls within their coverage and that you are either being sued because of the problem or that you are able to quantify the actual dollar value of the damages you have suffered because of the problem. This may be extremly difficult if its a laneway the borrower/owner thought they had access to but do not and thus need to use a different laneway that is further away from the property to bring their car in. And although the original seller told the borrower/owner that it can be used, they now discover that the neighbor is building something over it. And yes it was only a matter of convenience to the borrower/owner - something that cannot be necessarily quantified for title insurance coverage - it may have been a significant inducement to purchasing the property in the first place. This can now result is a lower marketability of the property reducing its value, therefore increasing the lender's loan to value. )
Yes
No
Disbursement
$
Do you want a Utility Certificate?
Yes
No
Disbursement
$
Total Fees:
$
HST (Taxes):
$
Total Disbursements:
$
HST (Taxes):
$
Registration - Statutory*:
$
Registration - ELRSA:
$
HST (Taxes):
$
Title Insurance:
$
PST (Taxes):
$
Total Costs:
$
Purchase Closing Costs Calculator
Money or Consideration Paid on Title Transfer
What is the consideration, monies, mortgage assumed or other amounts, paid or assumed at the time of title transfer?
If there is consideration, monies, mortgage assumed or other amounts paid or assumed at the time of the title transfer from the transferee to transferor enter that amount, otherwise if there is no consideration enter zero
Fee
$
Disbursement
$
Statutory
$
ELRSA
$
Do you want to calculate the Title Insurance?
Yes
No
Title Insurance
$
Land Transfer Taxes
Province
Select the province...
Ontario
City
Select the city...
Montreal
Toronto
Land Transfer Tax
$
LTT Disbursement
$
LTT Refund
$
First-time Home Buyer
Does your property contain at least one but not more than two, single family residences?
(i.e. is your property residential and is no more than a duplex or made up of no more than two (2) apartments? If it’s a triplex or more or not residential (e.g. commercial) than your answer should be no)
Yes
No
Title Insurance & Mortgages
Is this property a condominium?
(i.e. is a condominium or does it have condominium common elements, this could still be a townhome or low/highrise building)
Yes
No
Is the property you are purchasing a NEW property from the builder who is also the seller?
(i.e. are you buying a new build? Like a house that was recently torn down and rebuilt, or a home in a subdivison from the original builder directly, or a new build condominium from the builder directly)
Yes
No
Fee
$
Will you be obtaining a first mortgage, line of credit or other form of financing, which we will be acting on?
No
Yes
Statutory
$
ELRSA
$
Is this new first mortgage, line of credit or other form of financing, which we will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending institution)
Yes
No
Title Insurance
$
Will this new mortgage be registered against more than one property?
(i.e. will this mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Will you be obtaining an additional mortgage, line of credit, bridge loan or other form of additional financing, which we will be acting on in addition to this mortgage?
No
Yes
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Is this new second mortgage, line of credit or other form of financing, which we will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending institution)
Yes
No
Title Insurance
$
Will this new second mortgage be registered against more than one property?
(i.e. will this second mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Searches & Due Diligence
Do you want a Property Tax Certificate ordered?
(Recommended in situations where you suspect the borrower/owner has not paid the property taxes for a while and are uncertain of what is owed exactly.) (As the owner they inherit all past property taxes and thus will be responsible to pay all arears plus interest and penalties, often times its easy to loose track of what they owe, or they may have substantially renovated or built new the property you are lending against, thus resulting in Supplemnetary or Omitted Tax Bills that have been recently issued or overlooked. Remember Property Taxes take precedence over mortgages even if your mortgage was registered prior to the property tax lien.)
Yes
No
Disbursement
$
Do you want a Property Information Report?
(Recommended for custom new built homes, homes that have been renovated or look like they had some work done) (The borrower/owner inherits all active building permits, violations, work orders and the zoning designation that apply to the property, this could cost thousands to remedy and possibly requiring one to retain architects, planners and lawyers as well. The letter describes what the property is zoned for, if there are any applicable by-laws and if there is anything active on the property (e.g. active building, heating and plumbing notices or orders to comply, it will identify any outstanding work orders, previous Committee of Adjustment applications or building activity, as well as anything related. For example, outstanding workorders and open permits could mean thousands of dollars are required to rememdy the issue, thus resulting in lowering the marketability of the property reducing its overall value and therefore your Loan To Value as a lender will be higher.)
Yes
No
Disbursement
$
Do you want a thorough Property Title Search and Off-Title Search?
(Recommended for properties that are NOT condos or subdivison homes, average cost is $250 for simple single family dwellings, more so for larger parcels of lands and buildings) (The borrower/owner inherits the entire history of ownership, such as encumbrences, right-of-ways, easements and planning act violations, most of which cannot be discovered by a simple title search of the property only. Most lawyers will only pull title to mortgaged property, without studying the abbuting lands bordering the property lines and their history of ownership. These lawyers will require the borrower/owner and lender to rely on the title insurance they ordered for you instead. This often results in an incomplete conveyance of title, whereby a severe planning act violation resulted in a nulliefied transfer some-time in the past, resulting in the seller never having the right or conset to have sold the borrower/owner the property or acquire the property himself when he did (Yes, a very scary situation). Not to mention complications when shared laneways, driveways, access roads or paths are never registered on title or are not exactly as they appear to be when the borrower/owner or the lender visited the property. Often times lawyers will not know what to look for without studying the abbuting lands and their right-of-ways. And although the original seller may have been enjoying the use of a neighbors driveway or lanway, it was never registered on title to either property, and therefore can be taken away at any time. Hence often times buyers are paying for something that can be taken away at anytime. Also title insurance may not be that quick to help, like all insurance companies you need to first show that the problem falls within their coverage and that you are either being sued because of the problem or that you are able to quantify the actual dollar value of the damages you have suffered because of the problem. This may be extremly difficult if its a laneway the borrower/owner thought they had access to but do not and thus need to use a different laneway that is further away from the property to bring their car in. And although the original seller told the borrower/owner that it can be used, they now discover that the neighbor is building something over it. And yes it was only a matter of convenience to the borrower/owner - something that cannot be necessarily quantified for title insurance coverage - it may have been a significant inducement to purchasing the property in the first place. This can now result is a lower marketability of the property reducing its value, therefore increasing the lender's loan to value. )
Yes
No
Disbursement
$
Do you want a Utility Certificate?
Yes
No
Disbursement
$
Total Fees:
$
HST (Taxes):
$
Total Disbursements:
$
HST (Taxes):
$
Registration - Statutory*:
$
Registration - ELRSA:
$
HST (Taxes):
$
Title Insurance:
$
PST (Taxes):
$
Total Land Transfer Tax:
$
LTT Disbursement:
$
HST (Taxes):
$
Total Fees and Disbursements:
$
Total Land Transfer Taxes and Credits:
$
Total Costs
$
Purchase Closing Funds Calculator
Purchase Price
Down Payment
Your Deposit
Your deposit with the realtor.
Are you a first-time Home Buyer?
No
Yes
What is your employement status?
Employed
Self-Employed
Province
Select the province...
Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland and Labrador
Nova Scotia
Ontario
Prince Edward Island
Quebec
Saskatchewan
Northwest Territories
Nunavut
Yukon
City
Select the city...
Legal fees and legal disbursements
Utility hook up fees and security deposits
If you are a first time buyer, you may have to make a security deposit with the gas company or the hydro company or the municipality. Check with your lawyer, or if a new home, ask your builder.
Property tax adjustment
Ask your lawyer for an estimate. Many people choose a specific date each month for their regular monthly mortgage payment, but the closing date falls on some other day of the month. To make all the math work, the lender will charge you a smaller amount to pay for the stub period between the closing date and the date of your first payment.
Mortgage adjustment payment
Depends when your mortgage payments will be paid each month, relative to your closing date - you may need to make a mini payment
Moving and packing costs
Other costs you know about
Remaining Down Payment Amount:
$
PST on CMHC Insurance Premium:
$
Land Transfer Tax:
$
Land Transfer Tax Rebate:
$
All Additional Costs:
$
Total of All Expected Closing Costs:
$
This is the estimate of how much you will need to close your purchase over and above the deposit you already made with your real estate agent.
Refinance Closing Costs Calculator
Refinance Amount
What is the total amount of your new mortgage including any insurance premiums such as CMHC fees?
This applies for when acting for both the lender and you in a conventional refinance with a bank or other institutional lender.
Fee
$
Disbursement
$
Statutory
$
ELRSA
$
Do you want to calculate the Title Insurance?
Yes
No
Title Insurance
$
Tenancies
If your property is a residential multi-plex made up of more than one (1) single family residence but up to six (6) residences, please enter how many tenants there are.
(e.g. if your property has more than six (6) single family residences, in other words, more than six (6) apartments please contact us for a quote, otherwise enter the number of tenants. If there are no tenants enter "0" (zero))
Fee
$
Title Insurance & Mortgages
Will you be transfering title to a spouse?
(If you intend to transfer title to anyone other than your spouse then we will need to treat this like a purchase as well in addition to, and depending on how you are doing the transfer you may or may not be obligated to pay land transfer taxes. Please call us to discuss, possible solutions.)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Is this new first mortgage, line of credit or other form of financing, which we will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending institution)
Yes
No
Title Insurance
$
Will this new mortgage be registered against more than one property?
(i.e. will this mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Will you be obtaining an additional mortgage, line of credit, bridge loan or other form of additional financing, which we will be acting on in addition to this mortgage?
No
Yes
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Is this new second mortgage, line of credit or other form of financing, which we will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending institution)
Yes
No
Title Insurance
$
Will this new second mortgage be registered against more than one property?
(i.e. will this second mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Title Insurance
$
Searches & Due Diligence
Do you want a Property Tax Certificate ordered?
(Recommended in situations where you suspect the borrower/owner has not paid the property taxes for a while and are uncertain of what is owed exactly.) (As the owner they inherit all past property taxes and thus will be responsible to pay all arears plus interest and penalties, often times its easy to loose track of what they owe, or they may have substantially renovated or built new the property you are lending against, thus resulting in Supplemnetary or Omitted Tax Bills that have been recently issued or overlooked. Remember Property Taxes take precedence over mortgages even if your mortgage was registered prior to the property tax lien.)
Yes
No
Disbursement
$
Do you want a Property Information Report?
(Recommended for custom new built homes, homes that have been renovated or look like they had some work done) (The borrower/owner inherits all active building permits, violations, work orders and the zoning designation that apply to the property, this could cost thousands to remedy and possibly requiring one to retain architects, planners and lawyers as well. The letter describes what the property is zoned for, if there are any applicable by-laws and if there is anything active on the property (e.g. active building, heating and plumbing notices or orders to comply, it will identify any outstanding work orders, previous Committee of Adjustment applications or building activity, as well as anything related. For example, outstanding workorders and open permits could mean thousands of dollars are required to rememdy the issue, thus resulting in lowering the marketability of the property reducing its overall value and therefore your Loan To Value as a lender will be higher.)
Yes
No
Disbursement
$
Do you want a thorough Property Title Search and Off-Title Search?
(Recommended for properties that are NOT condos or subdivison homes, average cost is $250 for simple single family dwellings, more so for larger parcels of lands and buildings) (The borrower/owner inherits the entire history of ownership, such as encumbrences, right-of-ways, easements and planning act violations, most of which cannot be discovered by a simple title search of the property only. Most lawyers will only pull title to mortgaged property, without studying the abbuting lands bordering the property lines and their history of ownership. These lawyers will require the borrower/owner and lender to rely on the title insurance they ordered for you instead. This often results in an incomplete conveyance of title, whereby a severe planning act violation resulted in a nulliefied transfer some-time in the past, resulting in the seller never having the right or conset to have sold the borrower/owner the property or acquire the property himself when he did (Yes, a very scary situation). Not to mention complications when shared laneways, driveways, access roads or paths are never registered on title or are not exactly as they appear to be when the borrower/owner or the lender visited the property. Often times lawyers will not know what to look for without studying the abbuting lands and their right-of-ways. And although the original seller may have been enjoying the use of a neighbors driveway or lanway, it was never registered on title to either property, and therefore can be taken away at any time. Hence often times buyers are paying for something that can be taken away at anytime. Also title insurance may not be that quick to help, like all insurance companies you need to first show that the problem falls within their coverage and that you are either being sued because of the problem or that you are able to quantify the actual dollar value of the damages you have suffered because of the problem. This may be extremly difficult if its a laneway the borrower/owner thought they had access to but do not and thus need to use a different laneway that is further away from the property to bring their car in. And although the original seller told the borrower/owner that it can be used, they now discover that the neighbor is building something over it. And yes it was only a matter of convenience to the borrower/owner - something that cannot be necessarily quantified for title insurance coverage - it may have been a significant inducement to purchasing the property in the first place. This can now result is a lower marketability of the property reducing its value, therefore increasing the lender's loan to value. )
Yes
No
Disbursement
$
Do you want a Utility Certificate?
Yes
No
Disbursement
$
Total Fees:
$
HST (Taxes):
$
Total Disbursements:
$
HST (Taxes):
$
Registration - Statutory*:
$
Registration - ELRSA:
$
HST (Taxes):
$
Title Insurance:
$
PST (Taxes):
$
Total Costs:
$
Sale Closing Costs Calculator
Sale Price
What is the total sale price and all consideration you are receiving to sell your property to the buyer?
When you retain us for your closing we will review and request amendments/changes to your Agreement of Purchase and Sale at no charge. Yes, that's for Free!
Fee
$
Disbursement
$
Law Society Transaction Levy:
$
Tenancies
If your property is a residential multi-plex made up of more than one (1) single family residence but up to six (6) residences, please enter how many tenants there are.
(e.g. if your property has more than six (6) single family residences, in other words, more than six (6) apartments please contact us for a quote, otherwise enter the number of tenants. If there are no tenants enter "0" (zero))
Fee
$
Title Matters
Will you be requiring us to make any corrections on titles?
Most likely not if the lawyer you used to purchase your property had addressed all possible issues and since then there have been no unexpected title matters, if you are not sure we will let you know once we begin work or hear from the purchaser's lawyer as to their findings.
Yes
No
Fee
$
Statutory
$
ELRSA
$
Are there any non-arm's length mortgages from your family members or similar that would require us to to discharge/remove the mortgage from title?
(i.e. not a mortgage from a Bank, Trust Company, Credit Union or other financial lending institution or private lender for which you were dealing with at arm's length)
Yes
No
Fee
$
Statutory
$
ELRSA
$
Total Fees:
$
HST (Taxes):
$
Total Disbursements:
$
HST (Taxes):
$
LSUC Levy:
$
HST (Taxes):
$
Registration - Statutory*:
$
Registration - ELRSA:
$
HST (Taxes):
$
Total Costs:
$
Title Insurance Calculator
Purchase Price
What is the total amount including any insurance premiums such as CMHC fees?
Transaction Type
Select the transaction type.
Purchase
Refinance
Title Transfer
Private Mortgages
Is this property a condominium?
(i.e. is a condominium or does it have condominium common elements, this could still be a townhome or low/highrise building)
No
Yes
Is the property you are purchasing a NEW property from the builder who is also the seller?
(i.e. are you buying a new build? Like a house that was recently torn down and rebuilt, or a home in a subdivison from the original builder directly, or a new build condominium from the builder directly)
Yes
No
Mortgage
Will you be obtaining a mortgage?
Yes
No
Title Insurance Premium:
$
Title Insurance Tax:
$
Total Title Insurance Amount:
$
Title Transfer Closing Costs Calculator
Money or Consideration Paid on Title Transfer
What is the consideration, monies, mortgage assumed or other amounts, paid or assumed at the time of title transfer?
If there is consideration, monies, mortgage assumed or other amounts paid or assumed at the time of the title transfer from the transferee to transferor enter that amount, otherwise if there is no consideration enter zero
Fee
$
Disbursement
$
Statutory
$
ELRSA
$
Do you want to calculate the Title Insurance?
Yes
No
Title Insurance
$
Land Transfer Taxes
Province
Select the province...
Ontario
City
Select the city...
Montreal
Toronto
Land Transfer Tax
$
LTT Disbursement
$
LTT Refund
$
First-time Home Buyer
Title Insurance & Mortgages
Do you have a first mortgage, line of credit or other form of financing currently on title that you will need to maintain title insurance coverage for the lender?
No
Yes
Is this new first mortgage, line of credit or other form of financing, which we will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending institution)
Yes
No
Title Insurance
$
Will this new mortgage be registered against more than one property?
(i.e. will this mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?)
Yes
No
Title Insurance
$
Will you be obtaining an additional mortgage, line of credit, bridge loan or other form of additional financing, which we will be acting on in addition to this mortgage?
No
Yes
Title Insurance
$
Is this new second mortgage, line of credit or other form of financing, which we will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending institution)
Yes
No
Title Insurance
$
Will this new second mortgage be registered against more than one property?
(i.e. will this second mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?)
Yes
No
Title Insurance
$
Total Fees:
$
HST (Taxes):
$
Total Disbursements:
$
HST (Taxes):
$
Registration - Statutory*:
$
Registration - ELRSA:
$
HST (Taxes):
$
Title Insurance:
$
PST (Taxes):
$
Total Land Transfer Tax:
$
LTT Disbursement:
$
HST (Taxes):
$
Total Fees and Disbursements:
$
Total Land Transfer Taxes and Credits:
$
Total Costs
$
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