Refinance
Refinancing your mortgage involves more than just signing new documents — a lawyer must review the new mortgage commitment, discharge the existing mortgage, register the new charge on title, and ensure you receive the net proceeds. This flat-fee package covers all legal work for a standard residential refinance in Ontario.
What the advertised price includes
The advertised price includes legal services, ordinary disbursements, and third-party charges for the described transaction. HST and only the permitted disbursements under LSO Rule 4.2-2.1 are additional: land transfer tax, government registration and other government fees, Teranet fees, a condominium status certificate, creditors’ lawyers’ letters concerning similar-name executions, and title insurance. These costs will be itemized. A purchase includes acting on one mortgage; a sale includes discharge of the first mortgage.
Read Rule 4.2-2.1 on the LSO websiteWhat Is Included
- Review of mortgage commitment and instructions from lender
- Title search and review
- Preparation of all closing documents
- Discharge of existing first mortgage
- Registration of new mortgage charge on title
- Receipt and distribution of mortgage proceeds
- Reporting to you and your lender after closing
What Is Not Included
- HST (charged on legal fees)
- Land transfer tax (not applicable on a refinance)
- Government document registration fees
- Teranet fees
- Title insurance premium (if applicable)
- Fees charged by creditors' lawyers for similar name execution searches
- Any lender-side legal fees
- Second or subsequent mortgage discharges (available as add-on)
Who This Service Is For
Information Required from You
- 1Mortgage commitment letter from your new lender
- 2Current mortgage statement (showing balance and lender)
- 3Copy of existing title or property address and PIN
- 4Government-issued photo ID
- 5Contact information for your current lender
Frequently Asked Questions
Important Limitations
- •The advertised price of $899 + HST is inclusive of all legal fees for the scope described, in accordance with Rule 4.2-2.1 of the Law Society of Ontario's Rules of Professional Conduct. HST and the permitted disbursements listed above are not included.
- •Permitted disbursements (government registration fees, Teranet fees, title insurance premium, similar name execution search fees) are in addition to the flat fee and will be itemized in your reporting letter.
- •This price applies to a standard residential refinance of a single mortgage. Additional complexity — such as multiple discharges, power of attorney closings, or title issues — may require a revised quote.
- •Submitting a request does not create a lawyer-client relationship. A conflict check will be completed before any retainer is signed.
Fixed fee
$899
Plus HST and permitted disbursements only
LSO Pricing Disclosure
Price includes all legal fees. HST and permitted disbursements (registration fees, Teranet fees, title insurance, etc.) are additional, per LSO Rule 4.2-2.1.
This service is provided by a third-party real estate law firm. Our referral partner is a licensed Ontario law firm that carries professional liability insurance and is properly insured to perform real estate closings. By requesting this service, you consent to us sharing your inquiry with our real estate referral partner, and you may be contacted by them, pursuant to our Privacy Policy.
Requesting does not create a lawyer-client relationship. Subject to conflict check and acceptance.
Prices are for the stated scope only. Additional complexity, urgency, disbursements, HST, or government fees may apply.
Fixed fee
$899
Plus HST and permitted disbursements only