See the costs clearly
Start with a transparent estimate that separates the legal fee, taxes and closing costs.
Ontario residential purchases
Purchase of property
A home purchase should feel straightforward, not like your file has disappeared into a system. Work one-on-one with AL—the lawyer responsible for your matter—from the first review through closing.
One client. One lawyer.
Clear answers and next steps
A smoother path to closing
A more personal closing experience
Easy to understand. Easy to reach. One-on-one with your lawyer.
You are not simply passed from one unfamiliar contact to another. AL remains the lawyer responsible for your purchase, available to explain the important decisions and answer questions in plain language.
The goal is a stress-free, smooth transaction: clear pricing at the beginning, a practical checklist, responsive communication, and no mystery about what happens next.
Speak directly with AL
Get guidance from the lawyer responsible for your file—not a handoff-heavy experience.
Know what happens next
Receive clear requests, practical explanations and timely updates as closing approaches.
No hidden standard disbursements
Straightforward pricing means one less thing to worry about.
Disbursements are costs a law firm incurs while completing your transaction. Many offices add ordinary search, software, banking, courier and document costs on top of the quoted legal fee. For a standard transaction within the scope below, AL GANGANI includes those ordinary disbursements in the legal fee.
Government charges, taxes and transaction-specific third-party amounts are shown separately so you can see exactly how the closing estimate is assembled.
Put simply: the standard legal fee includes the ordinary disbursements listed below. The amounts added outside that fee are HST, land-registry and other government or Teranet charges, title insurance, land-transfer taxes and any item or work outside the standard scope described on this page.
Included in the legal fee
Standard work and disbursements
Mortgage preparation
Preparation for one first mortgage from a Class A institutional lender.
Required searches
One-property title searches and execution-writ searches for the standard closing.
Transaction systems
Standard real-estate transaction software charges used to complete the file.
Funds handling
Up to two standard wire or certified-cheque charges associated with the transaction.
Documents and delivery
Courier, postage, ordinary travel, paper, printing, photocopying and faxing.
File administration
Ordinary file storage and administration for the completed purchase matter.
Sample standard purchase
How the closing estimate is built
Example for a $600,000 Ontario purchase with one Class A mortgage. Land-transfer tax depends on location and buyer eligibility.
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1
$1,500.00
All-inclusive legal fee
Standard legal work and included disbursements.
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2
$195.00
HST on the legal fee
Ontario HST at 13%.
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3
$170.00
Land Registry Office registrations
$85 for ownership and $85 for the mortgage. No HST applies.
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4
Approx. $600.00
Title-insurance planning allowance
Approximately $1 per $1,000 of purchase price. The insurer-issued premium is confirmed before closing.
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5
Calculate tax
Land-transfer tax
Ontario tax, plus Toronto municipal tax when applicable. Eligible first-time buyers receive estimated reductions automatically in the calculator.
When additional work applies
Current purchase-fee additions
Purchase price over $1.5 million+$1 per started $1,000
Brand-new freehold or condominium+$600
Vacant land purchase+$1,000
New-condominium occupancy closing+$600
Alternative, private or broker-channel lenderfrom +$350
More than two buyers+$150 per additional buyer
Non-resident buyer+$1,000
HST applies to legal-fee additions.
Standard transaction scope
What the base fee assumes
The base fee generally applies when:
- The property is a residential single-family dwelling on city services.
- The purchase price is no more than $1,500,000.
- The property is vacant or tenant-free on closing.
- There is one first mortgage from a Class A institutional lender.
- There are no other encumbrances, liens or unusual title issues.
- The agreement and lender instructions arrive at least five business days before closing.
Amounts outside the legal fee can include:
- HST, land-transfer taxes and non-resident speculation tax.
- Government registrations, other government charges and Teranet fees.
- The title-insurance premium and applicable Toronto administration fees.
- Condominium status certificates and creditor-lawyer letters when required.
- Property-tax, utility, condominium and other statement-of-adjustment items.
If an unforeseen issue or materially different scope arises, the firm will explain it and discuss any additional charge before undertaking the additional work.
Mortgage coordination
Experience with Ontario lenders
AL has experience coordinating residential mortgage instructions from major banks and direct banking brands. Every file remains subject to the lender’s instructions, the transaction details and conflict review.
- TD Canada Trust
- Scotiabank
- CIBC
- RBC Royal Bank
- Simplii Financial
- Tangerine Bank
Logos identify representative lenders only. All trademarks belong to their respective owners; no affiliation, sponsorship or endorsement is implied.
Why clients choose AL GANGANI
Personal attention without the runaround.
One-on-one with your lawyer
AL remains responsible for your purchase and speaks with you directly about the important decisions.
Responsive, plain-language guidance
Ask questions, understand what is required and know what happens next without unnecessary legal jargon.
A smoother, simpler process
Ordinary disbursements are included and the steps are explained clearly, reducing avoidable surprises.
No-obligation preliminary estimate
Make your purchase feel easier from the start.
Answer a few questions to see the current fee, applicable additions, registration charges, title-insurance allowance and estimated land-transfer tax. Then work directly with AL as the lawyer responsible for your closing.