01
APS and amendment review
Agreement reviewed before signing where possible, or immediately on file receipt. Every amendment, assignment, and schedule walked through. Problem clauses flagged in writing.
01 Ontario Real Estate Purchase Lawyer
Buy a home in Ontario. Close on time.
Q
Quick answer · Ontario residential purchase
A real estate lawyer handles the legal side of your Ontario home purchase. Khan Law reviews your Agreement of Purchase and Sale, runs title searches and requisitions, handles mortgage instructions, prepares the Statement of Adjustments, and registers the transfer at Land Registry. Every file is handled by a named lawyer, not a paralegal pool. Most purchases close in 21 to 28 days from signed agreement.
4.9 / 5★★★★★ 412 Google reviews
LSO licensedLaw Society of Ontario, in good standing
Fixed legal feesQuoted in writing before file opens
97 percentClosings on time in 2025
03Scope and process
How Khan Law handles your file.
Six scopes of work, twelve steps across four phases. Named lawyer, named law clerk, one file, one account.
02
Title and off title searches
Title searched in Teraview. Off title checks for zoning, work orders, tax arrears, utility arrears, building permits, and condo status certificate. Defects closed by the requisition deadline.
03
Mortgage instruction review
Mortgage drafted for Teraview registration. Conditions tracked and satisfied. Direct funding bridges with the big six Canadian banks.
04
Statement of Adjustments
Property tax, utilities, condo fees, and prepaid items prorated to closing day. Final bank draft amount sent three to five days before closing.
05
Signing appointment
Thirty to forty five minute appointment in person at Milton, North York, or Mississauga office, or remote video under Ontario Regulation 431 slash 22.
06
Registration and closing package
Transfer and charge registered. Funds flow to seller counsel. Keys released. Closing package delivered within 20 business days.
03·BThe closing journey
Twelve steps. Four phases.
Most purchases run 21 to 28 days from signed agreement. The longest phase is due diligence. The phase most buyers feel is signing and funding.
Phase 01
Preparation
01
File opened
Signed APS received. Engagement letter with fixed fee sent within 24 hours.
Khan Law
02
ID and conflict check
Government ID collected for every buyer on title. LSO conflict screen completed.
Both
03
Retainer confirmed
Retainer signed back by the buyer. File enters the closing queue with your target date.
You
Phase 02
Due diligence
04
Title search
Title pulled in Teraview. Chain of title and registered instruments reviewed by the named lawyer.
Khan Law
05
Off title searches
Zoning, work orders, tax arrears, utilities, permits. Flags raised on anything out of order.
Khan Law
06
Requisition letter
Defects raised with seller counsel by the APS requisition deadline. Responses tracked to close.
Khan Law
Phase 03
Funding
07
Lender instructions reviewed
Mortgage commitment reviewed. Charge drafted for Teraview and sent back to the lender for sign off.
Khan Law
08
Statement of Adjustments
Prorations for property tax, utilities, condo fees calculated and agreed with seller counsel.
Khan Law
09
Closing funds request
Exact bank draft amount sent to the buyer three to five business days before closing.
You
Phase 04
Closing
10
Signing appointment
Thirty to forty five minutes with the named lawyer. Remote by secure video or in office.
Both
11
Registration and keys
Funds advanced via LSO trust, Transfer and charge registered, keys released to the buyer.
Khan Law
12
Closing package delivered
Full reporting letter with registered Transfer, charge, and title insurance policy within 10 business days.
Khan Law
04Plan your closing
Plan your closing. Numbers first.
Estimate Land Transfer Tax for your purchase price and Toronto status. Download the full closing checklist to your inbox.
Total LTT at closing
$11,475
Ontario provincial LTT$11,475
Toronto municipal LTTNot applicable
FTHB rebate$0
Total—
Schedule: Ontario Ministry of Finance, Land Transfer Tax Act. Toronto Municipal Land Transfer Tax By law 1423 2007. Last verified April 2026.
Closing day checklist · Free PDF
Khan Law · KL—002
Ontario Home Buyer Closing Cost Checklist
EDITION
2026
Checklist · Free PDF
Bring these to closing.
Identification, insurance, banking, the signed agreement. Every line item you will see on your closing package with worked examples for a 750000 Mississauga purchase.
Khan Law sends the checklist and nothing else. No newsletter, no sales follow up.
Numbers in front of you. Talk through them.
Book a 15 minute call
05At file open
Three things Khan Law catches at file open.
Caught early, these are small. Caught late, they pull your closing date.
01
Missed FTHB rebate filing
First time home buyer rebate must be claimed at registration, not after. Miss the registration window and you pay full Land Transfer Tax up front and apply for a refund that takes 16 to 24 weeks. Khan Law files the rebate at registration automatically.
02
Open municipal work orders
Open work orders transfer with the property. A buyer who closes on a property with open orders inherits the obligation to comply, sometimes at significant cost. Off title searches catch these in time to close out before the requisition deadline.
03
Property insurance not bound for closing
Lenders require property insurance bound and effective on closing day. Without it, lender funds do not advance. Khan Law confirms binding directly with your insurance broker three days before closing.
Licensed since
2008
Law Society of Ontario · in good standing
06 Meet your purchase lawyer
A note from your closing lawyer.
Buying a home is the largest financial decision most families make in a decade. It is also one of the few where you are asked to sign dozens of legal documents under time pressure, while coordinating with an agent, a lender, and a lawyer on the other side you have never met.
Khan Law exists because the process did not have to feel that way. Residential closings can be transparent, fixed fee, and calm, without giving up the rigour of a senior lawyer actually reviewing your file.
Three commitments sit in every Khan Law engagement letter. We pick up the phone. We commit to your closing date. We tell you exactly what your file will cost in writing before we open it.
Shahid Khan
Shahid Khan · Founding real estate lawyer · Khan Law
Bar call 2008
English · Urdu · Punjabi
Osgoode Hall alum
4,100 files closed
07Answers for every step
Frequently asked questions.
Twelve questions buyers most often ask. Do not see yours. Ask a Khan Law lawyer directly.
Ask a lawyerWhat does a real estate lawyer do for a buyer
A Khan Law lawyer handles the legal work that makes your purchase binding. That includes reviewing your Agreement of Purchase and Sale, searching title for defects, sending requisitions to the seller lawyer, handling your lender mortgage instructions, preparing the Statement of Adjustments, registering the transfer at Land Registry, and delivering the closing package. Without a real estate lawyer, your transaction cannot close in Ontario.
When should I engage a real estate lawyer
As early as possible. Ideally before you sign the Agreement of Purchase and Sale so the clauses can be reviewed. In practice most buyers engage Khan Law the day after firm acceptance. The latest practical engagement is 10 business days before closing. Every day of lead time improves the file.
How much does a purchase closing cost in Ontario in 2026
Total closing cost on a 750000 Mississauga purchase with a mortgage is typically between 14000 and 16500 including Land Transfer Tax. The largest single line item is LTT itself, which varies by purchase price and Toronto status. Legal fees, title insurance, registration, and statutory disbursements account for the remainder. See chapter 9 for the full line item breakdown.
What documents do I need to provide
Two pieces of government issued photo identification. Proof of down payment source. A void cheque for trust refunds. Your property insurance binder before closing day. Your mortgage commitment letter. The signed Agreement of Purchase and Sale with all amendments. The full checklist is downloadable in chapter 4.
Can I sign remotely
Yes. Ontario Regulation 431 slash 22 permits remote execution of real estate documents. Signing is conducted by video under Khan Law supervision. You need valid photo identification, a working camera, and a private quiet room. Most first time home buyers prefer in person signings. Most experienced buyers prefer remote.
How does title insurance work
Title insurance is a one time premium paid at closing that protects you and your lender against title defects missed at search, plus survey issues, fraud, and certain post closing risks. Lenders require it. Standard Ontario residential policies for a typical home cost 295 to 495 depending on price.
What happens if my lender is late
Khan Law tracks your mortgage instructions daily from file open through closing. If instructions are late, Khan Law escalates directly to the lender underwriter. If funds are late on closing day, Khan Law holds the transfer and communicates the status to your agent and the seller lawyer. In 2025, 97 percent of Khan Law purchases funded and registered on the contracted date.
Can Khan Law close on new construction
Yes. New construction purchases including pre construction condominiums and freehold builder files are handled. Tarion compliance, builder credit checks, HST rebate claims for new build, and interim occupancy adjustments are included.
Do I need to visit an office
No. Every Khan Law purchase can be handled end to end remotely from engagement through signing through closing. Clients who prefer in person signings can attend the Milton, North York, or Mississauga offices.
Can the same lawyer represent me and my lender
On most residential mortgages with the big six Canadian banks, yes. Khan Law represents both buyer and lender under Law Society of Ontario joint retainer rules. On private mortgages, second mortgages, or where lender instructions prohibit joint representation, Khan Law acts for the buyer only and coordinates with separate lender counsel.
What is the difference between a real estate lawyer and a paralegal
In Ontario, only a licensed lawyer can handle the conveyancing legal work on a real estate purchase, including providing legal opinions on title, giving closing advice, and executing the transfer. Paralegals cannot close real estate files. Khan Law is a full service law firm. Every file is handled by a Law Society of Ontario licensed lawyer working with a law clerk.
What if my closing day falls on a holiday or weekend
Closing happens on business days only. If your Agreement of Purchase and Sale specifies a closing date that falls on a weekend or statutory holiday, the closing automatically rolls to the next business day under standard APS terms. Khan Law confirms the actual closing date with you at file open and adjusts the timeline accordingly.
Most questions answered in a 15 minute call.
Book a 15 minute call
09What this costs
Plain numbers. In writing. Before the file opens.
Khan Law quotes a fixed legal fee in the engagement letter before opening your file. Below is the line item estimate for a representative 750000 Mississauga purchase. Your file estimate is personalized and arrives within 24 hours of intake.
| Line item | Amount | Payable to | Notes |
|---|---|---|---|
| Legal fee | $999 | Khan Law | Fixed flat, included in engagement letter |
| HST on legal fee | $130 | Canada Revenue Agency | 13 percent on the fee |
| Title insurance | $350 | Stewart or Chicago Title | One time premium, lender required |
| Teraview registration | $175 | Teraview | Transfer plus charge registration |
| FINTRAC and courier | $75 | Khan Law | Statutory client identification and closing package |
| Ontario Land Transfer Tax | $11,475 | Ontario Ministry of Finance | Varies by price, see calculator in chapter 4 |
| Toronto municipal LTT | $0 or $11,475 | City of Toronto | Toronto purchases only |
| Property tax adjustment | $0 to $2,500 | Seller | Prorated share of prepaid tax, varies by closing month |
Numbers based on a 750000 Mississauga purchase with a 600000 mortgage closing in the middle of a property tax cycle. Your file rates apply at the time the engagement letter is signed.
Khan Law publishes fees because clients deserve to compare options on the same basis. Quoting on inquiry is a sales tactic that benefits the firm, not the buyer. The engagement letter is the only contract that matters and it carries the same number you see here. Nothing is added, nothing is removed.— Khan Law engagement standard
First home, terrified the whole way through. The Khan Law clerk walked us through every clause, the rebate showed up at registration without us having to chase it, and our lawyer was on the phone the moment our mortgage funded. Keys by 2 pm.
★★★★★
Tight 21 day close, two competing offers in flight. Khan Law made it look simple. Title cleared, mortgage funded, keys on time.
★★★★★
Pre construction in Vaughan, four years after APS to final closing. Khan Law tracked every interim adjustment. HST rebate filing was perfect.
★★★★★
Investment condo, third closing with Khan Law. Same flat fee, same clerk, same calm. The portal keeps every doc. Saved me twice already.
11Glossary and other transactions
Terms on this page. Other files we handle.
Glossary terms on this page
Land Transfer Tax
Tax payable when title changes hands. 0.5 to 2.5 percent tiered based on price. Toronto adds a mirror municipal tax.
FTHB Rebate
First time home buyer rebate of up to 4,475 Toronto plus 4,000 provincial. Claimed at registration.
Statement of Adjustments
Final accounting of prepaid costs prorated to closing day. Issued by seller counsel.
Title Insurance
One time premium covering title, survey, work order, and ownership risk. Lender required.
Other transactions Khan Law handles
Selling a home
APS review, mortgage discharge, Statement of Adjustments, same day net proceeds wire.
From $999 →
Mortgage closing
Lender instructions, charge registration, joint retainer with the big six banks.
From $899 →
Mortgage refinance
Discharge the old, register the new, calculate break penalty and break even.
From $999 →
Title transfer
Spousal, family, and trust transfers with LTT exemption analysis and lender consent.
From $799 →
Chapter 12 · Ready when you are
Your closing deserves a lawyer who will answer.
Whether your closing is tomorrow or ninety days away, the conversation starts with a call.
Same business day response · Seven days a week near closing dates