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What extra expenses can I expect to encounter?

These costs vary. There are a number of common extra expenses.

  • Land transfer tax (a sales tax on property)
  • Mortgage broker's fee (as much as one per cent on the principal)
  • Appraisal fee
  • Surveying costs
  • Mortgage Insurance premiums
  • Mortgage rate adjustment (in case mortgage rates rise)
  • Reimbursement to seller of any unused portion of prepaid property taxes or utility bills
  • Legal fees
  • Realtor fees

See our COSTS WORKSHEET to work out expenses in detail.

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