The Sale

Completing the sale from offer to closing.

Guide

Between accepting an offer and getting the keys, here's what happens behind the scenes.

Price, closing date, inclusions, and conditions are all negotiable. A strong agent shapes an offer that wins without overpaying.

Your lender registers a charge against the title in the amount of the loan.

Your lawyer reviews the agreement, searches title, prepares closing documents, and handles the exchange of funds.

Home insurance must be arranged before closing — most lenders require proof.

Ontario charges Land Transfer Tax on a sliding scale; Toronto adds a municipal LTT. First-time buyer rebates may apply.

Typically $1,500–$2,500 including disbursements.

Prorates prepaid property taxes, utilities, and condo fees between buyer and seller.

Funds change hands, title transfers, and you get your keys. Congratulations!