Whether you’re buying your first home, upgrading for a growing family, or selling a property you’ve outgrown, it’s no secret that real estate comes with costs beyond the listed price. Some of these expenses are obvious—others, less so. Understanding them in advance can help you avoid surprises and budget with confidence.
At Ambler Real Estate Team, we believe informed clients are empowered clients. This guide outlines all the major real estate fees in Ontario, including who pays realtor fees when buying a house in Ontario, and what to expect when it comes to lawyer fees for buying a house.
📞 Let’s Talk: Contact us for a personalized fee estimate or real estate strategy session.
Who Pays Realtor Fees When Buying a House in Ontario?
One of the most common questions we get from buyers is:
Who pays realtor fees when buying a house in Ontario?
The answer: The seller typically pays both the listing agent and the buyer’s agent. This commission is agreed upon at the time of listing and is usually a percentage of the final sale price—4$-5% is common based on the scope of work required for the sale and expenses. This is split equally between both agents. However, this rate is negotiable.
That means buyers benefit from professional representation at no direct cost, including property searches, price negotiations, and expert guidance from start to finish.
At Ambler Real Estate Team, our buyer clients receive full-service support with no added commission costs.
Searching for more home buyer resources? Check out these related blogs next!
- How to Choose a Realtor
- Best Toronto Neighbourhoods For First Time Buyers
- How To Make An Offer On A House
Closing Costs for Buyers in Ontario
If you’re buying a home, you’ll need to budget for more than just your down payment and mortgage. Here’s a breakdown of the closing costs you can expect:
1. Land Transfer Tax (LTT)
A one-time tax paid upon taking ownership. Based on the home’s purchase price, the LTT applies provincially, and in Toronto, an additional municipal LTT applies.
First-time home buyers may qualify for a rebate of up to $4,000.
2. Lawyer Fees for Buying a House
Real estate lawyer fees in Ontario generally range from $900 to $3000, depending on the transaction complexity.
In addition, buyers pay disbursements—costs for title searches, registrations, and courier services—typically adding $300 to $600.
3. Home Inspection
While not mandatory, a home inspection (costing $300–$600) is highly recommended to uncover potential issues with the property.
4. Appraisal Fees
Required by most lenders to confirm the home’s market value. Cost: $500 to $800, paid by the buyer.
5. Mortgage-Related Fees
If your down payment is less than 20%, you’ll need mortgage default insurance through CMHC or similar. Additional lender fees may also apply.
6. Title Insurance
A one-time cost of $200 to $400 that protects against fraud, liens, or title issues. This is arranged by your lawyer.
7. Adjustments on Closing
You may need to reimburse the seller for prepaid utilities, property taxes, or condo fees. These are calculated in your statement of adjustments by the lawyer at the time of closing.
Closing Costs for Sellers in Ontario
Selling a home also comes with expenses to plan for:
1. Real Estate Commission
This is the largest cost for most sellers—typically 4% to 5% of the final sale price, plus HST. This covers both agents’ fees and includes services such as marketing, showings, negotiations, and paperwork.
2. Legal Fees & Disbursements
Just like buyers, sellers pay for a real estate lawyer. Legal fees usually range from $1,000 to $2,000, plus $300 to $600 in disbursements for things like document preparation and registrations.
3. Mortgage Discharge Fees
If you’re ending your mortgage early, you may face penalties or administrative discharge fees. Check with your lender beforehand.
4. Status Certificate (Condos Only)
If you’re selling a condo, you’ll need to provide a status certificate, which costs approximately $150.
5. Pre-Listing Costs
Optional but beneficial expenses like staging, cleaning, minor repairs, and professional photography can help maximize your sale price.
6. Capital Gains Tax (If Applicable)
If the property isn’t your primary residence, you may owe capital gains tax. Consult with your accountant or tax advisor.
7. Moving & Adjustments
Final utility bills and tax adjustments are calculated at closing. Don’t forget to budget for moving services or vehicle rentals.
Selling your home soon? Check out these other blogs for more advice!
- 5 Tips For Selling Your West Toronto Home
- How To Prepare Your Home For Sale
- What Are Closing Costs When Selling a Home
Real Estate Lawyer Fees Ontario – What’s Included?
Real estate lawyer fees in Ontario generally include:
- Contract review
- Title search and title insurance coordination
- Registration of property transfer and mortgage
- Statement of adjustments
- Secure transfer of funds
Whether buying or selling, choosing a qualified real estate lawyer ensures legal compliance and protects your investment. We’re happy to refer trusted professionals from our network.
Final Thoughts
Understanding who pays realtor fees when buying a house in Ontario and what to expect from real estate lawyer fees in Ontario will help you make better decisions throughout your real estate journey.
Whether you’re looking to buy or sell in Etobicoke, Toronto, Mississauga, Oakville, or Muskoka, the Ambler Real Estate Team is here to guide you every step of the way!
Heading to the market? Contact us today to schedule a personalized consultation that fits your goals! Call (416-884-8027) or email (team@amblerhomes.com).
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