Stefan  Ryzwanowicz

Stefan Ryzwanowicz

Sales Representative

Royal LePage Signature Realty, Brokerage

Mobile:
416-877-5588
Office:
905-568-2121
Email Me
Stefan  Ryzwanowicz

Stefan Ryzwanowicz

Sales Representative

Royal LePage Signature Realty, Brokerage

Mobile:
416-877-5588
Office:
905-568-2121
Email Me

Closing Costs

What will my closing cost be when I buy a home?

There are many costs associated with a purchase of a property. The following information should be considered a general guide rather than a comprehensive list.

  • Survey If the vendor does not provide you with an acceptable survey in the Agreement of Purchase and Sale, you will need to obtain a new survey. Approximate cost: $1000+
  • Title Insurance A title insurance policy can eliminate the requirement for a new survey. Title insurance is an insured statement of the condition of title or ownership of real property, at the time the policy is issued. Approximate cost: $300-700 (residential)
  • Land Transfer Tax The Land Transfer Tax is payable on all purchases. The tax is calculated on the purchase price of a home according to a specific formula. As a guide, you can anticipate the fee to be about 1 % of the purchase price. Approximate cost: Varies
  • Legal Fees Legal fees will vary according to the lawyer. Make sure you ask what the fee includes. Approximate cost: $700+
  • Disbursements Disbursements are costs that you lawyer will have to pay on your behalf, such as registration fees, photocopies, etc. Approximate cost: $250+
  • Statement of Adjustments The purchaser and the vendor are each responsible for their share of taxes, fuel, and utilities. These costs will be reflected in the statement of adjustments. Approximate cost: Varies
  • Home Insurance Home insurance premiums will vary from one insurance company to another and according to your insurance needs. Contact your insurance broker for rates. Approximate cost: Varies
  • Home Inspection Prior to buying a new home, you should have a home inspection performed to identify any significant structural, electrical or plumbing problems with the home. Some lending institutions require that you have a home inspection completed before approving financing. Approximate cost: $200 – $500
  • Mortgage Fees Most mortgage companies charge an administrative fee to register a mortgage document

Have Questions?

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416-877-5588

  

905-568-2121

  

Stefan Ryzwanowicz is an award winning realtor with Royal LePage Signature Realty Brokerage, one of the Greater Toronto's most productive real estate brokerages with offices located across the GTA. Stefan’s previous experience in Sales, graphic design, and Information Technology enables him to provide his clients with a variety of skills in this competitive market. Throughout the years Stefan's clientele has included a wide variety of professionals from first time buyers, to builders,business owners, contractors, high ranking banking officials, business owners, doctors,government employees etc. Having such a wide variety of clients and skills has enabled Stefan to work efficiently and effectively in the process of selling and purchasing homes for all his valued clients. 

There are many real estate agents but only a few can provide the service, integrity,effort and honesty that Stefan can. His clients are not just a number to him; they are individuals that deserve to be treated as friends and family. He will work together with his clients to find not just a house but a home.

Purchasing a home is one of the biggest investments and you deserve a professional who will help you every step of the way. Stefan’s job is not just to sell or buy you a house but to make the process as stress free and as easy as possible. I am to here to answer all your questions and provide advice both in the financial and legal aspects of the transaction.

When you think of Real Estate, think of Stefan Ryzwanowicz. I am in this business for the long term. Referrals are my primary source of clients – I will treat them like friends and family. I assure you that my best effort will be put forward to earn their business.

Please keep my name in mind if you know of someone that may need some assistance with various real estate decisions, it will be greatly appreciated. Give me a call anytime at 416-877-5588. I’ll be glad to help.

Stefan Ryzwanowicz, B.Comm
Sales Representative                                                                                                                                                                     Royal Lepage Signature Realty