Real Estate Fee Quote
Your closing costs, before you call
Choose your transaction and enter the price. You see our flat legal fee with HST, the land transfer tax after any first-time buyer refund, and the government registration fees. Title and execution searches and title insurance are added at cost.
No retainer. No deposit. Invoiced after the work is delivered. You pay on closing, with up to 30 days if you need it, and if your deal doesn’t close there’s no legal fee, only the disbursements already spent.
Build your quote
Legal fees are the ones on our published fee schedule. Land transfer tax and registration use the Ontario and City of Toronto rates in force today.
Barbarian Law® · 14981 Yonge Street, Aurora · (647) 290-3565 · barbarianlaw.ca
Your estimate
Purchase at $850,000, with a mortgage
- Legal fee, purchase with a mortgage$1,750.00
- Additional discharges$0.00
- HST on the legal fee$227.50
- Government registration, 2 × $86.42$172.84
- Ontario land transfer tax$13,475.00
- First-time buyer refund, Ontario−$0.00
- Toronto land transfer tax$0.00
- First-time buyer rebate, Toronto−$0.00
- Condo status certificate, up to$100.00
- Title insurancePriced on your file
- Title and execution searchesAt cost
Your legal fee is fixed as shown for a standard file. Tax and registration figures are estimates, confirmed in your written estimate before we start.
Your lender’s discharge fee and any prepayment penalty are charged by the lender and are not included.
Quoted in writing instead: private lenders, estate sales, more than one property, additional mortgages on a purchase, other debts paid from the proceeds, new builds, and files received within five business days of closing.
Land transfer tax, explained
Land transfer tax is usually the largest cheque on closing, and it is where first-time buyers and Toronto buyers see the biggest swing.
Up to $4,000 back from Ontario
If every buyer qualifies, Ontario refunds up to $4,000 of its land transfer tax. That covers the whole provincial tax on a home up to about $368,000. Buying in Toronto, the city refunds up to $4,475 of its tax as well. The refund can be claimed when the transfer is registered, so it comes off the tax you pay on closing; otherwise you apply to the Ministry of Finance within 18 months. If only one of you qualifies, the refund follows ownership: a 50% owner gets up to $2,000 from Ontario.
You pay land transfer tax twice
Inside the City of Toronto you pay Ontario’s land transfer tax and Toronto’s municipal land transfer tax. The rates are the same up to $3 million, so a $1,000,000 home costs $16,475 in Ontario tax plus $16,475 in Toronto tax: $32,950 in all, against $16,475 in Aurora, Newmarket or Vaughan. Since April 1, 2026, Toronto charges 4.4% to 8.6% on the part of a price above $3 million.
| Part of the price | Ontario | City of Toronto |
|---|---|---|
| Up to $55,000 | 0.5% | 0.5% |
| $55,000 to $250,000 | 1% | 1% |
| $250,000 to $400,000 | 1.5% | 1.5% |
| $400,000 to $2 million | 2% | 2% |
| $2 million to $3 million | 2.5% | 2.5% |
| $3 million to $4 million | 2.5% | 4.4% |
| $4 million to $5 million | 2.5% | 5.45% |
| $5 million to $10 million | 2.5% | 6.5% |
| $10 million to $20 million | 2.5% | 7.55% |
| Over $20 million | 2.5% | 8.6% |
| First-time buyer refund, up to | $4,000 | $4,475 |
Rates for a home with one or two single-family residences, in force on November 3, 2026. Sources: Ontario’s Land Transfer Tax Act and the Ministry of Finance guide to first-time homebuyer refunds; Toronto Municipal Code Chapter 760, as amended by By-law 132-2026. General information, not tax advice; we confirm the exact tax on your file.
What the flat fee covers
One price for the legal work. Third-party costs are passed through at cost, without markup, and itemized on your statement of adjustments.
Included in the legal fee
- Similar-name execution letters, if your file needs them
- Closing software
- Status certificate review on a condo purchase
- Discharge of the first mortgage on a sale
Paid at cost, on top
- Land transfer tax, estimated above
- Government registration, $86.42 per document, estimated above
- Title search and execution searches
- Title insurance premium
- Condo status certificate fee, up to $100
From quote to keys
Get your number
The legal fee above is the figure in your written estimate for a standard file. No call needed to find out what we charge.
Book a call
Thirty minutes with Karim Eshqoor to confirm your closing date, your lender and anything unusual about the deal.
Close, then pay
Your fee comes out of the closing funds, with up to 30 days if you need it. If the deal doesn’t close, there is no legal fee.
Pick a time
A 30-minute call with Karim Eshqoor. If you book from your estimate, its details are added to the booking so the call starts where you left off.
Prefer to call? (647) 290-3565, or email karim@barbarianlaw.ca.
Questions about the quote
Is the legal fee in this quote my final fee?
For a standard file, yes. It is our published flat fee with HST, and it is the figure in your written estimate. Private lenders, estate sales, more than one property, additional mortgages on a purchase, new builds and files received within five business days of closing are quoted in writing instead.
How is land transfer tax calculated?
Ontario charges land transfer tax on the purchase price at 0.5% up to $55,000, 1% up to $250,000, 1.5% up to $400,000, 2% up to $2 million and 2.5% above $2 million for a home. The City of Toronto adds a municipal land transfer tax at the same rates up to $3 million and higher rates above that. First-time buyers can get up to $4,000 back from Ontario and up to $4,475 from Toronto.
Who counts as a first-time buyer?
For Ontario’s refund you must be at least 18, a Canadian citizen or permanent resident, have never owned a home or an interest in one anywhere in the world, and move in within nine months. If your spouse owned a home while you were together, neither of you qualifies. When only some buyers qualify, the refund is shared by their ownership percentage. Toronto’s rebate has its own similar test, and we confirm both on your file.
What if a buyer isn’t a Canadian citizen or permanent resident?
Ontario’s Non-Resident Speculation Tax of 25% may apply on top of land transfer tax. This estimate does not include it. Tell us on the call and we will confirm whether it applies.
Your number is ready
Book a 30-minute call and your estimate comes with you, or call or text and we will walk through it.
Karim Eshqoor, Barrister & Solicitor and Notary Public (LSO #83032R). Barbarian Law®, 14981 Yonge Street, Aurora, Ontario. Legal fees match barbarianlaw.ca/fees and are confirmed in a written estimate before work begins. Land transfer tax and registration figures are estimates using Ontario and City of Toronto rates in force on November 3, 2026. This page is general information, not legal advice.