If you put down less than 25% for a down payment:

Mortgage Application fee - $165.00

CMHC Mortgage Insurance  -  95% financing        3.15%           80% financing             1.25%

                                                          90% financing          2.40%           75% financing             .75%

                                                          85% financing          1.80%             65% financing             .60%   

(Note that Mortgage insurance is normally added to the mortgage amount on closing.)

Bridge financing: This will be required if there is a gap between funds required to close your purchase and the date that funds are received. This would be a daily fee at the current interest rate for bridge financing on the amount outstanding at closing.

Title Insurance: Optional. If the seller provides an RPR with compliance, it is not necessary.

Cost roughly $220

Title search: $20.00

Tax search: $5.50

Registration of transfer of land: $50.00 plus $1 per $5000 of purchase price

Mortgage Brokerage fees: These may apply if you are borrowing private funds to finance your home purchase

Appraisal: $200 plus GST

Home Inspection: $450 plus GST

Condominium document review: $500 plus GST

Legal fees: $700 plus disbursements plus GST

Utility connections: Atco no charge unless disconnected. If disconnected $45.

                                       Enmax $10 each for water an electric

                                       Telus $35 for an existing home. Call for new home charges