Areas we serve
We Buy Where You Want to Live
The rebate does not change by postal code. Toronto, the 905, or an hour west in Kitchener, Waterloo and Guelph: 1% of the purchase price comes back to you after closing.
Six regions, 17 cities
- Toronto
- Peel, York, Durham and Halton
- Waterloo Region and Guelph
The Six Areas
Toronto, the four surrounding regions, and west to Waterloo Region and Guelph.
Toronto
Downtown and waterfront, East York, North York, Scarborough, Etobicoke
Municipal land transfer tax applies
Peel
Mississauga, Brampton, Caledon
Provincial land transfer tax only
York
Vaughan, Markham, Richmond Hill, Newmarket, Aurora, King
Provincial land transfer tax only
Durham
Pickering, Ajax, Whitby, Oshawa, Clarington
Provincial land transfer tax only
Halton
Oakville, Burlington, Milton, Halton Hills
Provincial land transfer tax only
Waterloo Region and Guelph
Kitchener, Waterloo, Cambridge, Guelph
About an hour west, not part of the GTA
The difference at $1M
The one line that changes at Steeles
Toronto Buyers Pay Land Transfer Tax Twice
Once to Ontario, once to the City. Everywhere else we work, you pay it once. On a $1,000,000 home that is a $16,475 difference, and it is usually the single biggest line on a Toronto closing statement. It is also the first thing a rebate goes toward.
Beyond the GTA: Kitchener, Waterloo, Cambridge and Guelph
These four are not in the GTA, and we are not going to pretend they are. They sit about an hour west, in Waterloo Region and Wellington County, with their own market and their own pace. What does not change is the rebate. What also does not change is the closing math: only Toronto charges a municipal land transfer tax.
Where we work
Where We Work, and What Changes When You Cross a Boundary
Still unsure? Fifteen minutes on the phone answers the rest.
Is the rebate the same everywhere you work?
Yes. One percent of the purchase price, whether you buy in Scarborough, Milton, Oshawa or Guelph. The rebate does not change by postal code, but what you pay on closing day does.
Why do you cover Kitchener, Waterloo, Cambridge and Guelph if this is a GTA team?
Because that is where a growing share of our buyers end up looking. Priced out of Toronto, moving for work along the tech corridor, or following a university. They are about an hour west and they are not part of the GTA, and we are not going to pretend otherwise. But we work there properly, and the rebate is identical.
Why do Toronto buyers pay so much more at closing?
Because Toronto is the only municipality in Ontario that charges its own land transfer tax, on top of the provincial one. On a $1,000,000 home that is an extra $16,475. Buy anywhere else we work and you pay the provincial tax alone.
Do you actually work out in Durham, Halton and Waterloo Region, or do you just list them?
We take on buyers in markets we genuinely know, and we refer out where we do not. If you call about an area we cannot serve properly, we will tell you on the first call and point you at someone better. A rebate on bad advice is a bad deal.
Do you handle condos as well as freehold?
Both. Condos carry their own homework: the status certificate, the reserve fund, the maintenance fee history, and what is coming up for the building. That review is part of the service, not an add-on.
What if I am buying further out, in Hamilton, Barrie, Brantford or London?
Call and ask. Those sit outside the areas we cover day to day and we will not pretend otherwise. Depending on the market we will either take it on properly or refer you to someone who knows it, and you will know which on the first call.
Can you help if I am relocating from another province or country?
Yes, and it is worth starting early. Land transfer tax, the 24-hour deposit deadline and the way conditions work here catch relocating buyers off guard, and lenders ask for different documents depending on where your income comes from. The rebate is the same 1% either way.
Fifteen Minutes
and a Real Number
Tell us the price range and the area you are shopping. You get your rebate figure, an honest read on what that budget buys right now, and the agreement in writing before anything else happens.
No obligation. No newsletter. 416-388-4886.