Investing in real estate in Ottawa continues to be one of the most reliable ways to build long-term wealth — but not all properties offer the same potential. Savvy investors know that the key to strong returns often lies in value-add opportunities, and one of the most powerful strategies in today’s market is creating a legal secondary dwelling unit.

In this guide, we break down how investors can convert a hi-ranch home into a legal duplex in Ottawa, why this property type is so desirable, and what specific requirements must be met under Ottawa bylaws. If you’re searching for an investment property in Ottawa that offers both cash flow and appreciation, this strategy deserves your full attention.

Why Duplex and Secondary Unit Properties Are So Popular in Ottawa

Ottawa’s rental market remains extremely strong, driven by:

• A growing population

• A large federal workforce

• Universities and colleges

• Immigration and interprovincial migration

• Limited rental supply

As a result, legal duplexes and secondary dwelling units have become some of the most in-demand investment properties in Ottawa.

From an investor’s perspective, a legal second unit offers:

• Two income streams from one property

• Better mortgage qualification potential

• Increased resale value

• Reduced vacancy risk

• Strong appeal to future buyers and investors

However, not every home can easily be converted — which is why understanding property type selection is critical.

Why Hi-Ranch Homes Are Ideal for Duplex Conversion

Among all residential property styles, hi-ranch homes stand out as one of the best candidates for legal secondary dwelling units in Ottawa.

A hi-ranch is typically built with:

• A raised main floor

• A lower level partially above grade

• Large basement windows

• A natural split between levels

This layout provides major advantages when creating a legal duplex.

Key Benefits of Hi-Ranch Conversions

1. Natural Separation Between Units
Hi-ranches already function like two distinct levels, making unit separation far easier than in traditional bungalows.

2. Larger Windows
Lower-level windows are often tall enough to meet egress requirements, reducing the need for costly structural modifications.

3. Improved Ceiling Height
Compared to older basements, hi-ranches often meet or exceed minimum ceiling height requirements.

4. Strong Tenant Appeal
Lower units feel brighter, safer, and more livable — which translates into higher rents.

For investors targeting a duplex in Ottawa, hi-ranches frequently offer the best balance between cost, feasibility, and return.

Understanding Secondary Dwelling Units in Ottawa

Before purchasing an investment property, it’s essential to understand what qualifies as a legal secondary dwelling unit.

A secondary dwelling unit (often called a “second unit” or “in-law suite”) is a self-contained residential unit with:

• A kitchen

• A bathroom

• Sleeping areas

• Living space

• Independent fire separation

The City of Ottawa allows secondary units in many residential zones, but they must comply with zoning bylaws, building code regulations, and fire safety requirements.

What Makes a Property Eligible for a Legal Second Unit?

While zoning is important, physical layout is often the deciding factor.

A strong candidate for a legal secondary unit typically includes:

• Adequate ceiling height

• Proper window sizing

• Space for fire separation

• Potential for a private entrance

• Functional plumbing layout

The hi-ranch featured in our video walkthrough checks nearly every one of these boxes — which is exactly what investors should be looking for.

Layout Considerations for Duplex Conversion

When evaluating an investment property in Ottawa, investors should analyze the layout with a conversion mindset.

1. Fire Separation Requirements

Fire separation is one of the most critical components of creating a legal duplex.

This usually includes:

• Fire-rated drywall

• Proper sealing of penetrations

• Fire-rated doors between units

• Independent smoke and carbon monoxide alarms

Hi-ranch layouts often allow for straightforward vertical separation, which simplifies compliance.

2. Dedicated Entrance for the Lower Unit

A legal secondary dwelling unit must have a separate entrance.

In hi-ranch properties, common solutions include:

• Side entrances

• Rear walk-out entrances

• Converting existing doors

Because hi-ranches sit higher above grade, adding an entrance is often far less invasive than in standard basements.

3. Ceiling Height Requirements

Under Ontario Building Code, minimum ceiling heights generally apply to:

• Living areas

• Bedrooms

• Hallways

Many hi-ranches already meet or come very close to these requirements, reducing the need for underpinning or excavation — one of the most expensive renovation items investors face.

4. Egress Windows

Legal bedrooms require compliant egress windows, meaning:

• Proper opening size

• Accessibility in emergencies

Because hi-ranches feature larger basement windows, investors often avoid cutting new openings, saving tens of thousands of dollars.

Why This Property Is an Excellent Investment Opportunity

The featured property in our walkthrough includes:

• 2 bedrooms on the main level

• 2 bedrooms on the lower level

• Full bathrooms on both levels

• A large lower-level family room

• Strong natural light

From an investor standpoint, this significantly shortens the conversion timeline.

Instead of reconfiguring space, the renovation focus becomes:

• Compliance

• Safety

• Separation

• Finishing

This is exactly what experienced investors look for.

Rental Income Potential in Ottawa

Legal duplexes in Ottawa consistently outperform single-family rentals.

While exact rents vary by neighbourhood, investors typically benefit from:

• Strong demand for two-bedroom units

• Lower vacancy rates

• Higher combined rental income

• Better long-term stability

Two modest units often outperform one larger rental — especially in today’s affordability-constrained market.

Financing Advantages of Legal Duplexes

Another major benefit of converting to a legal duplex is financing.

Lenders may consider:

• Projected rental income

• Multiple income streams

• Improved debt-service ratios

This can help investors:

• Qualify for higher purchase prices

• Expand portfolios faster

• Refinance after renovation

A properly legalized duplex is also far more attractive to future buyers.

Risks of Non-Legal Units

It’s important to understand that not all secondary units are equal.

Non-legal units may expose investors to:

• Insurance issues

• Financing limitations

• Municipal enforcement

• Safety risks

• Reduced resale pool

That’s why the goal should always be a fully legal secondary dwelling unit in Ottawa, not an informal basement apartment.

The Long-Term Value of Legal Duplex Properties

From a resale perspective, legal duplexes offer exceptional long-term value.

They appeal to:

• Investors

• Multi-generational families

• House hackers

• Buyers seeking mortgage help

In many Ottawa neighbourhoods, duplex properties command significantly higher resale prices than comparable single-family homes.

How to Identify the Right Investment Property in Ottawa

When searching for an investment property, investors should focus on:

• Hi-ranch homes

• Raised bungalows

• Split-level properties

• Side or rear access potential

• Window size and layout

Not every listing highlights these features — which is why working with an experienced real estate professional is crucial.

Why Strategy Matters More Than Price

Many first-time investors focus solely on purchase price.

Experienced investors focus on:

• Layout

• Conversion feasibility

• Renovation cost vs. upside

• Long-term income potential

A slightly higher purchase price often produces far better returns if the property supports a legal duplex.

Final Thoughts: Is a Hi-Ranch Duplex Right for You?

If you’re serious about investing in Ottawa real estate, understanding how to identify secondary dwelling unit opportunities can dramatically accelerate your results.

Hi-ranch homes offer:

• Lower conversion risk

• Faster timelines

• Strong rental appeal

• Excellent resale demand

They remain one of the most reliable property types for investors seeking both cash flow and appreciation.

Thinking About Buying an Investment Property in Ottawa?

If you’re exploring:

• Duplex opportunities

• Secondary dwelling units

• Hi-ranch conversions

• Investment property analysis

Our team regularly helps investors evaluate properties before they buy, ensuring the numbers, zoning, and layout all make sense.

📩 Reach out anytime to discuss your investment goals or upcoming opportunities in Ottawa’s real estate market.
Call (613) 791 - 7760 or email [email protected]

The Ottawa real estate market outlook for 2026 points to a shift from the fast-paced, seller-dominated years toward a more balanced landscape. According to recent data from the Ottawa Real Estate Board (OREB), the market is stable but softening, with more listings, slower sales, and varied performance across housing types.

Forecasted Themes for 2026

After analyzing current conditions and economic context, here’s how the Ottawa real estate market outlook for 2026 is shaping up:

1. Balanced Market Persists

2. Price Appreciation Continues at Moderate Pace

3. Segmented Market Dynamics

4. Interest Rate Sensitivity Remains in Focus

5. Increasing Multi‑Unit Supply Influences Condos & Rentals
   
   

Let’s explore these one at a time and what they mean for sellers and buyers.

1. Balanced Market Persists

The trend toward higher inventory and balanced conditions is expected to continue in 2026. With months of inventory near levels that historically indicate balance (approx. 4–5 MOI), the pendulum has shifted from the highly competitive conditions of recent years.

Implications:

• Buyers can take time to search and negotiate

• Sellers should avoid overpricing (which leads to listings languishing)

• Agents will emphasize pricing strategy and property preparation

Strategic takeaway for sellers:
Highlight unique property features and prepare for more buyer negotiation. A market in balance rewards listings that are priced right from the start.

2. Price Appreciation Continues But Moderates

Ottawa’s average home price has continued to rise, but at a moderate pace. Based on current trends:

• Expect low‑ to mid‑single‑digit price appreciation in 2026

• Single‑family homes should outperform other segments

• Price growth will likely trail historical highs but remain positive

Factors supporting this include:

• Continued economic stability in Ottawa

• Government employment and federal workforce growth

• Demand from buyers relocating for lifestyle and affordability

What this means for buyers:
Homeownership remains a sound long‑term investment. Buyers who time their purchase strategically can benefit from stable prices.

3. Segmented Market Dynamics

One of the most important aspects of the 2026 forecast is how different property types behave:

Single‑Family Homes

• Strongest performance of all segments

• Sustained demand for family‑oriented neighbourhoods

• More price resilience

Townhomes

• Balanced but softer supply pressures

• Prices slightly contracting in late 2025

• Appeal remains strong for first‑time buyers and investors

Apartments / Condos

• Greatest supply pressure

• Condo MOI over 7, indicating buyer choice

• Sales down more than a third YOY

• Price stability hides softer underlying conditions

This segmentation matters because buyers and sellers need customized strategies for their property type.

4. Interest Rates & Economic Context

Recent interest rate cuts have improved buyer confidence. While the Bank of Canada’s policy direction can change, current cuts are supporting:

• Renewed buyer engagement

• More affordable financing

• A steadier winter market than usual

For sellers, this means the window for buyers is wider and more strategic decisions are happening year‑round.

Tip for buyers:
Get pre‑approved early. Increased choice doesn’t always mean relaxed standards from lenders.

Tip for sellers:
Highlight financing options and the value of your property to appeal to rate‑sensitive buyers.

5. New Construction & Supply Pipeline

Nearly 70% of new home starts are in condos and rentals, indicating a growing pipeline of multi‑unit supply.

Long‑term impact:

• Increased condo inventory may continue to soften that segment

• Rental and investment properties may see pressure on pricing

• Resale and new builds together create competitive choice

This resembles early stages of what Toronto experienced with condo supply, though Ottawa’s market fundamentals remain stronger.

For investors:
Watch absorption rates and new completions closely. High supply can suppress price gains if demand doesn’t keep pace.

What Buyers Should Do in 2026

Here’s a practical plan for anyone considering buying in Ottawa:

1. Get Financing in Order

Securing a mortgage pre‑approval gives you clarity and confidence.

2. Be Ready to Negotiate

With balanced supply, offers will matter more on terms and conditions, not just price.

3. Focus on Value

Look beyond sticker price to neighbourhood stability, long‑term growth, and property condition.

4. Use an Experienced Local Agent

A local professional can interpret subtle shifts in neighbourhood pricing and inventory trends.

What Sellers Should Do in 2026

Sellers should adopt a smart, data‑driven approach:

1. Price Competitively from the Start

Balanced markets punish overpricing. Use comparable sales and current demand as your guide.

2. Stage and Market Your Property

A high‑quality presentation and targeted marketing get more eyes and better offers.

3. Highlight Financing Benefits for Buyers

Many buyers today are rate‑sensitive. Emphasizing mortgage strategies can help close deals.

4. Be Flexible on Timing

Increased inventory means buyers have more options. Timing your listing with market peaks (spring and fall) can still pay dividends.

The Ottawa real estate market outlook for 2026 is one of moderation, balance, and opportunity. The market is no longer driven by scarcity; instead, healthy supply and continued demand are creating a more sustainable environment.

We expect:

• Modest price gains

• Balanced negotiations between buyers and sellers

• Continued strength in single‑family homes

• Softness in apartments due to rising inventory

This presents opportunities:

• Buyers get choice and negotiation power

• Sellers benefit from stable demand and predictable pricing

• Agents can build trust by guiding clients with data and strategy

If you’re thinking about buying or selling in Ottawa in 2026, contact us here, email us at [email protected] or call (613) 704-5582.  Personalized advice can make a measurable difference in results and we're here to help!

Related Reads:

Easily Calculate Your Mortgage Payments, Land Transfer Tax & More

2026 Changes for Landlords in Ottawa: Bill 60

Buying a home in Ontario, especially in a competitive market like Ottawa real estate, comes with a lot of moving parts. Mortgage payments, land transfer tax, CMHC insurance, interest rates… it can feel overwhelming fast.

But here’s the good news: you don’t need to be a math expert to understand your numbers. With the right tools, you can calculate everything you need in just a few clicks.

Today, we’re walking you through how to use our favourite easy mortgage calculators to help you plan like a pro. Whether you're a first-time buyer, investor, or upsizing family, these tools give you instant clarity on what you can afford in the Ottawa real estate market.

👉 Try all calculators here!

Why Using a Mortgage Calculator Matters

Before you start touring homes, you need a clear understanding of:

• Your estimated monthly mortgage payments

• Your total upfront costs (like Ontario Land Transfer Tax)

• Whether you’ll need CMHC mortgage insurance

• How real-time interest rates affect affordability

• Down payment requirements

• How different price points impact your long-term budget

Accurate calculations help you stay confident in your home search—especially in markets like Ottawa real estate, where prices and inventory can shift quickly.

1. Mortgage Payment Calculator: Your Quick Affordability Snapshot

Our mortgage payment calculator is one of the easiest tools to start with.

What it helps you calculate:

• Monthly mortgage payments

• Payment breakdown (principal vs. interest)

• Impact of rate changes

• How amortization length affects payments

How to get the most out of it:

• Try different down payment amounts

• Test lower and higher interest rates

• Compare multiple price points to see what fits your comfort zone

This tool gives you a realistic idea of what homes in your target Ottawa neighbourhood may cost each month.

2. Ontario Land Transfer Tax Calculator

Before buying a home, it’s crucial to understand your upfront closing costs—and Land Transfer Tax is one of the biggest.

Why it's important:

• Many buyers underestimate this cost

• It affects how much cash you need on closing day

• First-time homebuyers may qualify for a rebate

How the calculator helps:

• Quickly estimates Ontario Land Transfer Tax

• Shows how purchase price impacts your total closing costs

• Helps you budget accurately before submitting an offer

Whether you're shopping for a condo in Centretown or a detached home in Kanata, knowing your LTT helps you avoid last-minute surprises.

3. CMHC Mortgage Insurance Calculator

If your down payment is under 20%, CMHC insurance becomes part of your mortgage.

What this calculator shows:

• Your exact CMHC premium

• How your premium affects total mortgage amount

• The difference between 5%, 10%, and 15% down

This tool is especially helpful for first-time homebuyers in Ottawa, where prices often require flexible down payment strategies.

4. Ratehub Mortgage Calculator (With Real, Current Rates)

One of the best features of the Ratehub calculator is its ability to show real-time mortgage rates available in your area.

Why this matters:

• Rates change frequently

• Even a small rate difference can affect affordability

• It helps you compare lenders side-by-side

This is invaluable for Ottawa real estate buyers who want the most up-to-date snapshot of today’s lending environment.

Why These Tools Help Ottawa Buyers Make Smarter Decisions

The Ottawa real estate market moves quickly, and having accurate numbers gives you an advantage when:

• Planning your budget

• Making competitive offers

• Deciding when to buy

• Comparing neighbourhoods

• Evaluating investment properties

Whether you're looking in Barrhaven, Orleans, Stittsville, or downtown Ottawa, these calculators help you stay prepared and empowered.

Try Our Full Calculator Suite

Ready to run your own numbers?

👉 Use all mortgage, CMHC, Ratehub, and land transfer tax calculators here

These tools simplify the math so you can focus on what matters: finding the right home in the Ottawa real estate market.

Bill 60, the Fighting Delays, Building Faster Act, 2025, introduces significant changes to Ontario's rental housing landscape. Targeting delays at the Landlord and Tenant Board (LTB), it amends the Residential Tenancies Act (RTA) to streamline processes and reinforce landlord rights in several key areas. For landlords and real estate investors, this legislation opens new opportunities—but also introduces new responsibilities and potential risks.

This post breaks down what Bill 60 changes, how it affects your rental business, and what actions you should consider to protect your investments.

To see how the changes will affect tenants, please refer to our blogpost about What Bill 60 in Ontario Means for Tenants in 2026.

Overview: What Is Bill 60?

• Passed in November 2025, Bill 60 is part of Ontario's broader housing strategy to improve housing supply and efficiency in dispute resolution.

• Schedule 12 of the bill focuses specifically on landlord-tenant relations, including eviction processes, tenant appeals, and own-use terminations.

• The stated goal: reduce delays and encourage more investment in rental housing.

Key Changes That Affect Landlords

1. Faster Rent Arrears Process

• The notice period under the N4 form (for non-payment of rent) drops from 14 days to 7.

• Landlords can now initiate eviction proceedings one week after missed rent.

Impact: Reduced carrying cost of delinquent tenants; faster cash-flow recovery.

2. Limited Tenant Claims at Arrears Hearings

• Tenants can no longer raise unrelated maintenance or repair complaints at arrears hearings unless:

  • They notify in advance, and

  • They pay 50% of the claimed arrears upfront.

Impact: Fewer last-minute delays and diversion tactics during eviction proceedings.

3. Shorter Appeal Periods

• Time to request an LTB review of a final order is now 15 days (down from 30).

Impact: Faster closure on cases, reduced uncertainty for property managers and owners.

4. Own-Use Eviction Compensation Removed

• When a landlord reclaims a unit for personal or family use (N12 notice), the one-month rent compensation to the tenant is no longer required if 4 months' notice is given.

Impact: More affordable and straightforward path to reclaiming units for personal needs.

5. Tighter Limits on LTB Discretion

• LTB adjudicators now have reduced ability to delay or void eviction orders based on tenant hardship or exceptional circumstances.

Impact: Greater consistency and predictability in enforcement of landlord rights.

6. Improved Enforcement & Public Access to LTB Decisions

• More resources for eviction enforcement.

• Expanded access to LTB decisions may support background checks and legal precedent.

Impact: Easier enforcement and potentially fewer repeat problem tenants.

Strategic Advantages for Landlords

• Faster Turnaround on Non-Payment Cases

  • You can recover units and cash flow more quickly.

• Less Disruption in Eviction Hearings

  • Unrelated tenant issues are less likely to stall proceedings.

• Streamlined Reclaiming of Units

  • Own-use evictions now come with fewer costs and delays.

• More Legal Certainty

  • Shorter timelines reduce ambiguity and decision lag.

Risks to Watch For

• Higher Tenant Turnover

  • Easier evictions may unintentionally lead to more frequent vacancies and higher re-leasing costs.

• Market Scrutiny & Public Perception

  • Public concern around "eviction-friendly" legislation may lead to greater media or advocacy pressure.

• Insurance Implications

  • Frequent tenant changes may raise insurance premiums or limit policy availability.

• Long-Term Supply vs. Profit Pressure

  • While the bill encourages supply, long-term rental stock could shrink if many landlords pivot units to personal use or short-term rental.

Action Plan for Landlords and Investors

1. Review Your Lease Management Process

• Ensure notices (e.g., N4, N12) are accurate and timelines align with new rules.

2. Adjust Your Cash Flow Models

• Account for faster tenant turnover and shorter arrears timelines.

3. Strengthen Documentation Practices

• Keep thorough records of payments, notices, and tenant communication.

4. Evaluate Insurance Policies

• Confirm your policy covers legal costs, liability, and vacancy periods.

5. Consider Property Use Strategy

• If considering own-use eviction, reassess timelines and cost-benefit now that compensation is no longer mandatory.

6. Monitor the Rental Market

• Pay attention to how competing landlords respond to the bill, especially in dense urban areas.

Final Thoughts

Bill 60 strengthens the hand of landlords in key areas of dispute resolution and unit control. For property owners who’ve struggled with slow LTB processes or costly tenant delays, the changes are likely to bring operational relief.

That said, greater power comes with greater responsibility. The rental landscape is shifting—and reputation, tenant satisfaction, and community perception still matter. Smart landlords will use Bill 60 as a tool to run tighter, more efficient operations without losing sight of long-term value and tenant trust.

Need help navigating the changes? Consult a legal advisor or experienced property manager to ensure you're aligned with the new requirements.

Further Reading

Legislative Assembly of Ontario

New Housing Alternatives

What Bill 60 in Ontario Means for Tenants in 2026

Bill 60, officially called the Fighting Delays, Building Faster Act, 2025, changes several tenant protections in Ontario's Residential Tenancies Act (RTA). Many of these updates speed up eviction processes and reduce the ability of tenants to raise certain complaints during hearings.

If you're a tenant in Ontario, it's important to know how these changes affect your rights, what timelines have shifted, and how to protect yourself in the event of a dispute with your landlord.

To see how the changes will affect tenants, please refer to our blogpost about What Bill 60 in Ontario Means for Landlords in 2026.

What Changed Under Bill 60

1. Shorter Notice Before Eviction for Unpaid Rent

• The notice period on an N4 form (non-payment of rent) is now 7 days instead of 14.

What it means: If you miss rent, you now have only one week to pay or make arrangements before your landlord can file with the LTB.

2. Harder to Raise Other Issues at Eviction Hearings

• If you're behind on rent and attending a hearing, you can't bring up unrelated issues (like repairs or unsafe conditions) unless:

  • You notified the LTB in advance and

  • You pay 50% of the rent arrears claimed before the hearing.

What it means: Tenants have less flexibility to defend themselves in eviction cases unless they follow these strict rules.

3. Less Time to Appeal a Decision

• The appeal window has been reduced from 30 days to 15.

What it means: If you want to request a review of an LTB decision, you need to act fast and find legal help quickly.

4. No More Guaranteed Compensation for "Own-Use" Evictions

• Landlords reclaiming a unit for personal or family use no longer have to pay the tenant one month's rent if they give 4 months’ notice.

What it means: You'll still need to move out, but now you may not get any financial help when doing so.

5. Stronger Enforcement Powers for Landlords

• More resources are being put toward eviction enforcement.

• LTB decisions will also be more public.

What it means: Evictions may happen faster, and landlords may have more tools to enforce decisions.

What Tenants Should Do Now

1. Respond Immediately to N4 Notices

• Don’t wait. As soon as you get a notice, act quickly. Pay what you can or reach out to your landlord.

2. Document Everything

• Keep records of rent payments, repair requests, and any landlord communication. It could protect you in a hearing.

3. Know the New Rules for Hearings

• If you want to raise issues at a rent hearing, notify the LTB in advance and be ready to pay 50% of what’s owed.

4. Seek Legal Help Early

• The appeal timeline is now 15 days. Contact legal aid, a tenant association, or a lawyer as soon as you receive a decision.

5. Track Your Lease and Rights

• Read your lease. Know your responsibilities and what Bill 60 has changed. You still have rights under the RTA.

Support Resources for Tenants

• Ontario Tenant Duty Counsel Program

• Legal Aid Ontario

• Landlord and Tenant Board

• Tenant advocacy groups in your city or region

Final Thoughts

Bill 60 gives landlords more tools to manage rent and evictions, but it also creates new risks for tenants. Shorter deadlines and fewer protections mean that acting quickly and staying informed is more important than ever.

You can still defend your rights, but you’ll need to stay organized, meet the new requirements, and use the support available. Understanding these changes can make the difference between keeping your home and facing sudden eviction.

If you’re unsure how this affects you, reach out to a legal support group or tenant advocacy service as soon as possible.

Further Reading

Acto.ca: Bill 60 For Tenants PDF

Legislative Assembly of Ontario

What Bill 60 in Ontario Means for Landlords in 2026

Buying a home is exciting, but it comes with its fair share of paperwork and professionals.

Buying a home takes more than just money and mortgage approval. You’ll need a few experts in your corner too. Think real estate agents, movers, and definitely a real estate lawyer to handle the legal side of things.

In many Canadian provinces, including Ontario, both buyers and sellers are required to hire a real estate lawyer to complete the transaction. And while their expertise is essential, it doesn’t come for free which makes it important to factor legal fees into your overall budget.

We break down the average costs and answer other common legal fee questions below. Keep reading to learn what to expect.

What does a real estate lawyer do for buyers?

If you're purchasing a home in Ontario, your real estate lawyer plays a crucial role in making sure everything runs smoothly and legally. Their responsibilities typically include:

• Conducting a title search to confirm ownership and check for claims or liens.

• Verifying that the title is clear and transferable

• Preparing the Statement of Adjustments

• Registering the property in your name

• Handling all financial transactions on closing day

What does a real estate lawyer do for sellers?

Real estate lawyers also assist sellers, though their responsibilities differ slightly. If you're selling your home, your lawyer will usually:

• Perform a title search to confirm ownership

• Make necessary changes to the deed

• Calculate and verify closing costs

• Prepare the Statement of Adjustments

• Manage the financial transactions on closing day

Keep in mind that legal fees and closing costs can vary based on the complexity of the transaction.

What are the average Lawyer Fees when you're buying a home in Ontario?

Lawyer fees can vary depending on several factors, including the complexity of the transaction and whether additional legal support is required.

For a standard residential purchase, buyers in Ontario typically pay between $1,200 and $2,400 in legal fees. However, costs can rise if a second lawyer becomes involved or if the deal requires extra documentation or services.

To get an accurate quote, it's best to speak directly with your real estate lawyer. They can walk you through their pricing structure and any additional fees you might encounter.

Disbursements include:

• Land Transfer Tax (see below to access our Land Transfer Tax Calculator)
• Title Search (usually between $150 and $450)
• Status Certificate (max. $100)
• Registration of Deed
• Registration of Mortgage
• Execution Certificates
• Title Insurance
• Office Expenses
• Tax Certificate

Land Transfer Tax Calculator

Click here to access our Land Transfer Tax Calculator

Ontario Land Transfer Tax Rates

Example:

If your purchase price is $250,000, your Land Transfer Tax would be calculated as:

• 0.5% on the first $55,000 = $275

• 1.0% on the remaining $195,000 = $1,950

• Total = $2,225

This amount is due on your closing date and is payable to the Ontario Ministry of Finance.

Frequently Asked Questions

Do I need a lawyer to buy or sell a home?

Yes, if you're buying or selling a home in Ontario, you are required to hire a real estate lawyer to finalize the transaction.

Do I need a lawyer when buying a mobile home?

For the private sale of the home only (no real property involved, just the structure) you will not require a lawyer.
However, it is highly recommended, especially if there is a land lease or financing involved.

At what point in the process do I contact a real estate lawyer?

In Ontario, you should involve a real estate lawyer fairly early in the home buying or selling process, ideally as soon as you’ve signed or are about to sign an Agreement of Purchase and Sale (APS). The very latest point would be 2 - 3 weeks before the closing date to review the title, complete the title search, and prepare for closing. If issues arise during financing, inspection, or with the seller’s title, your lawyer can help resolve them before they become deal-breakers. 

Tip: When you're refinancing, you will need to contact your lawyer again to conduct another title search to ensure a clear title to protect you and your lender.

What is the difference between legal fees and disbursements?

Disbursements are out-of-pocket expenses your lawyer pays on your behalf while handling your transaction. These can include things like photocopying, courier fees, land title searches, and other administrative costs.

Legal fees, on the other hand, refer to the cost of the lawyer’s professional time—either as a flat fee or billed hourly.

What is the difference between title registration and title insurance?

Title registration is the official process of transferring ownership of the property from the seller to the buyer.

Title insurance, on the other hand, protects you against potential issues that weren’t identified during the title search. This can include things like zoning violations, outstanding work orders, unpaid property taxes, or encroachments onto a neighbouring property—all of which could impact your legal ownership.

Both the title registration fee and the title insurance premium are typically paid on closing day.