Real estate · Ontario closings
Land transfer tax, title insurance, legal fees, mortgage payoff, adjustments. The closing-day numbers in writing before the offer firms up.
LSO Reg. 91022I · EN | PT · Remote-first · All Ontario
Free instant calculator
What is the actual closing-day land transfer tax on your file?
Four short inputs about the property and the deal. The result is the exact provincial LTT, the Toronto municipal LTT where applicable, the first-time home buyer rebates, and an estimate of the other closing-day numbers.
Step 1 of 4
Who this is for
Each entry below names a decision and the legal structure DRG Law writes around it. If the matter on your desk fits one of these, send it to Damaris.
Between the day your offer is accepted and the day you get the keys, twelve to twenty separate decisions need to be made: the condo status review (a report on the building's finances), the title check (who legally owns the property), the lender's approval, the insurance, the closing-day numbers, and the money transfers themselves. DRG Law walks you through each step in writing, in English or Portuguese.
From the day the buyer's offer is accepted until the mortgage is paid off, the seller is responsible for the file. DRG Law handles the buyer's questions, the closing-day numbers, the documents to pay off the mortgage, and the money transfer. You see every number before any money moves.
A refinance touches title insurance, the new lender's checklist, the payoff to the old lender, and the timing between the new money arriving and the old loan closing. DRG Law coordinates the lender's lawyers, prepares your documents, and gives you the final cost in writing before you sign the new commitment.
The clauses that decide whether a lease is workable usually look like boilerplate. Personal guarantees (the landlord can come after you personally), renewal options (whether you can stay), repair obligations (who pays for what), and the right to assign (whether you can hand the lease to a new tenant) all carry the real cost. DRG Law reads the lease against your plan and negotiates the changes that matter at year three or year five.
How DRG Law writes it
Every real estate file ends with a one-page closing summary the owner can read and act on. The work that produces it is the same on every file.
Title check, the survey or reference plan, the lender's commitment, the insurance binder, the closing-day numbers, the documents both sides will sign.
Land transfer tax, title insurance, legal fees, mortgage payoff or new mortgage funding, adjustments for taxes and utilities, on paper before the closing date.
A short note the owner can read, share with the accountant, and refer back to. Names what was done, what was filed, and the after-closing steps.
Common questions
When you make the offer, or at the latest before the conditions in the offer expire. Reading the offer before the conditions go away removes the most expensive surprises. Calling after the deal is firm closes most of those doors.
A home closing covers the title check, title insurance, the questions sent to the seller's lawyer, the closing-day number sheet, the documents both sides sign, the money transfers, and the after-closing registration with the government. DRG Law handles each step and writes you a one-page closing summary in plain English.
Title insurance covers losses from problems with the legal ownership of the property: paperwork errors, survey problems, fraud, hidden work orders against the property, and certain claims nobody knew about. It does not replace the title check. Title check plus title insurance is the standard pair on every Ontario home purchase.
From a signed offer to the closing day, most files run thirty to sixty days. DRG Law opens the file the moment the offer becomes firm and confirms what documents are needed in the first week. The closing date itself is set by the offer, and DRG Law works backward from it.
Not in the same deal. The check for any conflict runs at the start. DRG Law acts for one side and points the other side to a separate lawyer. For lender representation, DRG Law can act for both you and the lender on home purchases when both sides agree and the lender is on the LSO's approved list.
Fees are published by file type and confirmed in writing before the work starts. The price depends on whether the file is a purchase, a sale, or a refinance, and on which extra items (title insurance, mortgage payoff, after-closing registration) are included. The final number is confirmed when DRG Law takes the file.
Send your matter
Damaris reads every intake personally and writes back in English or Portuguese.