levyzavet.com
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Submitted URL: https://levyzavet.xyz/
Effective URL: https://levyzavet.com/
Submission Tags: falconsandbox
Submission: On October 05 via api from US — Scanned from DE
Effective URL: https://levyzavet.com/
Submission Tags: falconsandbox
Submission: On October 05 via api from US — Scanned from DE
Form analysis 17 forms found in the DOM
#
<form role="search" action="#" autocomplete="off" aria-label="Search form"><input type="search" class="orig" placeholder="Search here..." name="phrase" value="" aria-label="Search input" autocomplete="off"><input type="text" class="autocomplete"
name="phrase" value="" aria-label="Search autocomplete input" aria-hidden="true" tabindex="-1" autocomplete="off" disabled=""></form>Name: options —
<form name="options" class="asp-fss-flex" aria-label="Search settings form" autocomplete="off"><input type="hidden" name="current_page_id" value="14"><input type="hidden" name="woo_currency" value="CAD"><input type="hidden" name="qtranslate_lang"
value="0"><input type="hidden" name="filters_changed" value="0"><input type="hidden" name="filters_initial" value="1">
<fieldset class="asp_filter_generic asp_filter_id_3 asp_filter_n_2">
<legend>Generic filters</legend>
<div class="asp_option" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="exact" id="set_exact3_1" aria-label="Exact matches only" name="asp_gen[]">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Exact matches only </div>
</div>
<div class="asp_option" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="title" id="set_title3_1" data-origvalue="1" aria-label="Search in title" name="asp_gen[]" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Search in title </div>
</div>
<div class="asp_option" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="excerpt" id="set_excerpt3_1" data-origvalue="1" aria-label="Search in excerpt" name="asp_gen[]" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Search in excerpt </div>
</div>
<div class="asp_option" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="content" id="set_content3_1" data-origvalue="1" aria-label="Search in content" name="asp_gen[]" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Search in content </div>
</div>
</fieldset>
<fieldset data-asp_invalid_msg="This field is required!" class="asp_filter_tax asp_filter_tax_practice-category asp_checkboxes_filter_box asp_filter_id_1 asp_filter_n_0">
<legend>Filter by Practice Category</legend>
<div class="practice-category_filter_box categoryfilter asp_sett_scroll">
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1925" class="asp_practicecategory_checkbox" aria-label="Business Setup & Contracts" name="termset[practice-category][]" id="3_1termset_1925" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Business Setup & Contracts </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1926" class="asp_practicecategory_checkbox" aria-label="Commercial & Business Transactions" name="termset[practice-category][]" id="3_1termset_1926" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Commercial & Business Transactions </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1922" class="asp_practicecategory_checkbox" aria-label="Land Assembly & Real Estate Development" name="termset[practice-category][]" id="3_1termset_1922" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Land Assembly & Real Estate Development </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1920" class="asp_practicecategory_checkbox" aria-label="Litigation" name="termset[practice-category][]" id="3_1termset_1920" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Litigation </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1924" class="asp_practicecategory_checkbox" aria-label="MICs & Mortgage Syndication" name="termset[practice-category][]" id="3_1termset_1924" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> MICs & Mortgage Syndication </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1928" class="asp_practicecategory_checkbox" aria-label="Mortgage and Loan Enforcement" name="termset[practice-category][]" id="3_1termset_1928" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Mortgage and Loan Enforcement </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1923" class="asp_practicecategory_checkbox" aria-label="Private Mortgage Closings & Administration" name="termset[practice-category][]" id="3_1termset_1923" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Private Mortgage Closings & Administration </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1921" class="asp_practicecategory_checkbox" aria-label="Real Estate Closings & Property Law" name="termset[practice-category][]" id="3_1termset_1921" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Real Estate Closings & Property Law </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="2173" class="asp_practicecategory_checkbox" aria-label="Representative Work" name="termset[practice-category][]" id="3_1termset_2173" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Representative Work </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1927" class="asp_practicecategory_checkbox" aria-label="Wills, Estates & Tax" name="termset[practice-category][]" id="3_1termset_1927" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Wills, Estates & Tax </div>
</div>
</div>
</fieldset>
<fieldset data-asp_invalid_msg="This field is required!" class="asp_filter_tax asp_filter_tax_practice-industry asp_checkboxes_filter_box asp_filter_id_2 asp_filter_n_1">
<legend>Filter by Practice Industry Category</legend>
<div class="practice-industry_filter_box categoryfilter asp_sett_scroll">
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1929" class="asp_practiceindustry_checkbox" aria-label="Business & Finance" name="termset[practice-industry][]" id="3_1termset_1929" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Business & Finance </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1931" class="asp_practiceindustry_checkbox" aria-label="Estates & Tax" name="termset[practice-industry][]" id="3_1termset_1931" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Estates & Tax </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1932" class="asp_practiceindustry_checkbox" aria-label="Litigation" name="termset[practice-industry][]" id="3_1termset_1932" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Litigation </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1930" class="asp_practiceindustry_checkbox" aria-label="Real Estate" name="termset[practice-industry][]" id="3_1termset_1930" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Real Estate </div>
</div>
</div>
</fieldset>
<div style="clear:both;"></div>
</form>#
<form role="search" action="#" autocomplete="off" aria-label="Search form"><input type="search" class="orig" placeholder="Search here..." name="phrase" value="" aria-label="Search input" autocomplete="off"><input type="text" class="autocomplete"
name="phrase" value="" aria-label="Search autocomplete input" aria-hidden="true" tabindex="-1" autocomplete="off" disabled=""></form>Name: options —
<form name="options" class="asp-fss-flex" aria-label="Search settings form" autocomplete="off"><input type="hidden" name="current_page_id" value="14"><input type="hidden" name="woo_currency" value="CAD"><input type="hidden" name="qtranslate_lang"
value="0"><input type="hidden" name="filters_changed" value="0"><input type="hidden" name="filters_initial" value="1">
<fieldset class="asp_filter_generic asp_filter_id_3 asp_filter_n_2">
<legend>Generic filters</legend>
<div class="asp_option" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="exact" id="set_exact1_1" aria-label="Exact matches only" name="asp_gen[]">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Exact matches only </div>
</div>
<div class="asp_option" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="title" id="set_title1_1" data-origvalue="1" aria-label="Search in title" name="asp_gen[]" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Search in title </div>
</div>
<div class="asp_option" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="excerpt" id="set_excerpt1_1" data-origvalue="1" aria-label="Search in excerpt" name="asp_gen[]" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Search in excerpt </div>
</div>
<div class="asp_option" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="content" id="set_content1_1" data-origvalue="1" aria-label="Search in content" name="asp_gen[]" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Search in content </div>
</div>
</fieldset>
<fieldset data-asp_invalid_msg="This field is required!" class="asp_filter_tax asp_filter_tax_practice-category asp_checkboxes_filter_box asp_filter_id_1 asp_filter_n_0">
<legend>Filter by Practice Category</legend>
<div class="practice-category_filter_box categoryfilter asp_sett_scroll">
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1925" class="asp_practicecategory_checkbox" aria-label="Business Setup & Contracts" name="termset[practice-category][]" id="1_1termset_1925" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Business Setup & Contracts </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1926" class="asp_practicecategory_checkbox" aria-label="Commercial & Business Transactions" name="termset[practice-category][]" id="1_1termset_1926" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Commercial & Business Transactions </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1922" class="asp_practicecategory_checkbox" aria-label="Land Assembly & Real Estate Development" name="termset[practice-category][]" id="1_1termset_1922" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Land Assembly & Real Estate Development </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1920" class="asp_practicecategory_checkbox" aria-label="Litigation" name="termset[practice-category][]" id="1_1termset_1920" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Litigation </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1924" class="asp_practicecategory_checkbox" aria-label="MICs & Mortgage Syndication" name="termset[practice-category][]" id="1_1termset_1924" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> MICs & Mortgage Syndication </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1928" class="asp_practicecategory_checkbox" aria-label="Mortgage and Loan Enforcement" name="termset[practice-category][]" id="1_1termset_1928" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Mortgage and Loan Enforcement </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1923" class="asp_practicecategory_checkbox" aria-label="Private Mortgage Closings & Administration" name="termset[practice-category][]" id="1_1termset_1923" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Private Mortgage Closings & Administration </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1921" class="asp_practicecategory_checkbox" aria-label="Real Estate Closings & Property Law" name="termset[practice-category][]" id="1_1termset_1921" data-origvalue="1"
checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Real Estate Closings & Property Law </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="2173" class="asp_practicecategory_checkbox" aria-label="Representative Work" name="termset[practice-category][]" id="1_1termset_2173" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Representative Work </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1927" class="asp_practicecategory_checkbox" aria-label="Wills, Estates & Tax" name="termset[practice-category][]" id="1_1termset_1927" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Wills, Estates & Tax </div>
</div>
</div>
</fieldset>
<fieldset data-asp_invalid_msg="This field is required!" class="asp_filter_tax asp_filter_tax_practice-industry asp_checkboxes_filter_box asp_filter_id_2 asp_filter_n_1">
<legend>Filter by Practice Industry Category</legend>
<div class="practice-industry_filter_box categoryfilter asp_sett_scroll">
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1929" class="asp_practiceindustry_checkbox" aria-label="Business & Finance" name="termset[practice-industry][]" id="1_1termset_1929" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Business & Finance </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1931" class="asp_practiceindustry_checkbox" aria-label="Estates & Tax" name="termset[practice-industry][]" id="1_1termset_1931" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Estates & Tax </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1932" class="asp_practiceindustry_checkbox" aria-label="Litigation" name="termset[practice-industry][]" id="1_1termset_1932" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Litigation </div>
</div>
<div class="asp_option_cat asp_option asp_option asp_option_cat_level-0" data-lvl="0" asp_cat_parent="0" tabindex="0">
<div class="asp_option_inner"><input type="checkbox" value="1930" class="asp_practiceindustry_checkbox" aria-label="Real Estate" name="termset[practice-industry][]" id="1_1termset_1930" data-origvalue="1" checked="checked">
<div class="asp_option_checkbox"></div>
</div>
<div class="asp_option_label"> Real Estate </div>
</div>
</div>
</fieldset>
<div style="clear:both;"></div>
</form>Name: cmhc-insurance-calculator — POST
<form name="cmhc-insurance-calculator" id="cmhc-insurance-calculator" method="POST">
<input type="hidden" name="action" value="calculate_cmhc_insurance_premium">
<div class="lz-row cols">
<div class="lz-col-6">
<div class="lz-row lz-featured-input">
<label> Purchase Price <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Mortgage insurance is only available when the purchase price is below $1,000,000. </span>
</div>
</label>
<input id="cmhc-house-cost" type="text" name="house-cost" value="" placeholder="$" required="required" maxlength="14">
</div>
<div class="lz-row lz-featured-input">
<label>Down Payment</label>
<input type="text" name="downpayment" value="" placeholder="$" required="required">
</div>
<div class="lz-row lz-featured-input label-small" style="margin-top: 30px;">
<label> What is your employement status? <select name="self-employed" required="required">
<option value="0">Employed</option>
<option value="1">Self-Employed</option>
</select>
</label>
</div>
<div class="lz-row">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
</div>
<div class="lz-col-6 lz-results-col">
<div class="lz-row results">
<label class="lz-label-results featured"> Mortgage Amount: <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> If your downpayment is less than 20% of the cost of your house, you will need mortgage insurance (like CMHC). For most buyers, if you have at least a 20% downpayment, there will be no CMHC insurance premium.
</span>
</div>
</label>
<span id="mortgage_needed" class="lz-span-results featured">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results">Your loan to value ratio:</label><span id="ratio" class="lz-span-results">%</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">CMHC insurance premium rate:</label><span id="cmhcp" class="lz-span-results">%</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total CMHC Insurance Premium:</label><span id="cmhcd" class="lz-span-results featured">$</span>
</div>
<div class="lz-row">
<div class="lz-tooltip">
<i class="fa fa-info-circle"></i>Extended Amortization Surcharges <span class="lz-tooltiptext"> Extended Amortization Surcharges - if you want more than 25 years amortization period. <br> Add 0.20% for every 5 years of amortization beyond
the 25 year mortgage amortization period. </span>
</div>
</div>
</div>
</div>
<input type="hidden" id="apbct_visible_fields_4" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoiaG91c2UtY29zdCBkb3ducGF5bWVudCBzZWxmLWVtcGxveWVkIiwidmlzaWJsZV9maWVsZHNfY291bnQiOjMsImludmlzaWJsZV9maWVsZHMiOiJhY3Rpb24iLCJpbnZpc2libGVfZmllbGRzX2NvdW50IjoxfX0=">
</form>Name: new-house-listing-price-calculator — POST
<form name="new-house-listing-price-calculator" id="new-house-listing-price-calculator" method="POST">
<input type="hidden" name="action" value="calculate_new_house_listing_price">
<div class="lz-row cols">
<div class="lz-col-6">
<div class="lz-row lz-featured-input">
<label> Enter the Listing Price Here <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> HST included Price Net of Rebate (Listing Price) </span>
</div>
</label>
<input type="text" name="listing-price" value="" placeholder="$" required="required" class="mask-money">
</div>
<div class="lz-row">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
</div>
<div class="lz-col-6 lz-results-col">
<div class="lz-row results">
<label class="lz-label-results featured">HST Included Price:</label><span id="hst-included-price" class="lz-span-results featured">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results featured">Purchase Price Before HST:</label><span id="purchase-price-before" class="lz-span-results featured">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results">HST:</label><span id="hst" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Federal Portion:</label><span id="federal" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Ontario Portion:</label><span id="ontario" class="lz-span-results">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results">Federal Rebate:</label><span id="federal-rebate" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Ontario Rebate:</label><span id="ontario-rebate" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Rebate:</label><span id="total-rebate" class="lz-span-results featured">$</span>
</div>
</div>
</div>
<input type="hidden" id="apbct_visible_fields_5" name="apbct_visible_fields" value="eyIwIjp7InZpc2libGVfZmllbGRzIjoibGlzdGluZy1wcmljZSIsInZpc2libGVfZmllbGRzX2NvdW50IjoxLCJpbnZpc2libGVfZmllbGRzIjoiYWN0aW9uIiwiaW52aXNpYmxlX2ZpZWxkc19jb3VudCI6MX19">
</form>Name: land-transfer-tax — POST
<form name="land-transfer-tax" id="land-transfer-tax" method="POST">
<input type="hidden" name="action" value="calculate_land_transfer_tax">
<div class="lz-row cols">
<div class="lz-col-6">
<div class="lz-row lz-featured-input">
<label> Purchase Price </label>
<input id="house-cost" type="text" name="house-cost" value="" placeholder="$" required="required">
</div>
<div class="lz-row lz-featured-input">
<label> Down Payment </label>
<input class="mask-money" type="text" name="down-payment" value="" placeholder="$" required="required">
</div>
<div class="lz-row">
<label>
<input type="checkbox" name="first-time" value="1"> First-time Home Buyer <br>
</label>
</div>
<div class="lz-row lz-featured-input label-small">
<label> Province </label>
<select name="province" required="required" onchange="search_province_cities(jQuery(this).val());">
<option>Select the province...</option>
<option value="AB">Alberta</option>
<option value="BC">British Columbia</option>
<option value="MB">Manitoba</option>
<option value="NB">New Brunswick</option>
<option value="NL">Newfoundland and Labrador</option>
<option value="NS">Nova Scotia</option>
<option value="ON">Ontario</option>
<option value="PE">Prince Edward Island</option>
<option value="QC">Quebec</option>
<option value="SK">Saskatchewan</option>
<option value="NT">Northwest Territories</option>
<option value="NU">Nunavut</option>
<option value="YT">Yukon</option>
</select>
</div>
<div class="lz-row lz-featured-input label-small">
<label> City </label>
<select name="city" required="required">
<option>Select the city...</option>
<option value="Montreal">Montreal</option>
<option value="Toronto">Toronto</option>
</select>
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-cities">
</div>
<div class="lz-row">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
</div>
<div class="lz-col-6 lz-results-col">
<div class="lz-row results">
<label class="lz-label-results">Mortgage Amount:</label><span id="mortgage-needed" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Land Transfer Tax:</label><span id="land-tax" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Land Transfer Tax Rebate:</label><span id="land-rebate" class="lz-span-results">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Land Transfer Tax Amount:</label><span id="land-total" class="lz-span-results featured">$</span>
</div>
</div>
</div>
<input type="hidden" id="apbct_visible_fields_6" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoiaG91c2UtY29zdCBkb3duLXBheW1lbnQgcHJvdmluY2UgY2l0eSIsInZpc2libGVfZmllbGRzX2NvdW50Ijo0LCJpbnZpc2libGVfZmllbGRzIjoiYWN0aW9uIiwiaW52aXNpYmxlX2ZpZWxkc19jb3VudCI6MX19">
</form>Name: monthly-mortgage-payment-calculator — POST
<form name="monthly-mortgage-payment-calculator" id="monthly-mortgage-payment-calculator" method="POST">
<input type="hidden" name="action" value="calculate_monthly_mortgage_payment">
<div class="lz-row cols">
<div class="lz-col-6">
<div class="lz-row lz-featured-input">
<label> Purchase Price <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Mortgage insurance is only available when the purchase price is below $1,000,000. </span>
</div>
</label>
<input type="text" name="house-cost" value="" placeholder="$" required="required">
</div>
<div class="lz-row lz-featured-input">
<label>Down Payment</label>
<input type="text" name="downpayment" value="" placeholder="$" required="required">
</div>
<div class="lz-row lz-featured-input label-small" style="margin-top: 30px;">
<label> What is your employement status? <select name="self-employed" required="required">
<option value="0">Employed</option>
<option value="1">Self-Employed</option>
</select>
</label>
</div>
<div class="lz-row lz-featured-input label-small">
<label> Amortization Period in Years <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> The length of time it will take a homeowner to pay off his/her mortgage. In Canada, the maximum amortization period for insurable mortgages is 25 years. Longer amortization periods allow homeowners to make
smaller monthly payments, but equate to more interest paid over the life of the mortgage. </span>
</div>
</label>
<input type="number" name="amortization-period" value="" placeholder="Years" required="required">
</div>
<div class="lz-row lz-featured-input label-small">
<label> Annual Interest Rate <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> The rate of interest you will pay on the outstanding balance of your mortgage. This is determined by the mortgage type and mortgage provider. </span>
</div>
</label>
<input type="number" name="interest-rate" value="" placeholder="%" step="0.01" required="required">
</div>
<div class="lz-row lz-featured-input label-small">
<label> Payment Frequency <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> The number of payments per year. </span>
</div>
</label>
<select name="payments-per-year" required="required">
<option value="12">Monthly</option>
<option value="26">Bi-weekly</option>
<option value="122">Accelerated Bi-weekly</option>
</select>
</div>
<div class="lz-row">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
</div>
<div class="lz-col-6 lz-results-col">
<div class="lz-row results">
<label class="lz-label-results"> CMHC insurance premium rate: <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> If your downpayment is less than 20% of the cost of your house, you will need mortgage insurance (like CMHC). For most buyers, if you have at least a 20% downpayment, there will be no CMHC insurance premium.
</span>
</div>
</label>
<span id="cmhcp" class="lz-span-results">%</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">CMHC insurance premium amount:</label><span id="cmhcd" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">8% PST on your CMHC insurance premium:</label><span id="pst" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Mortgage Amount:</label><span id="mortgage_needed" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results" style="font-weight: bold;">Your total mortgage:</label><span id="total_mortgage" style="font-weight: bold;" class="lz-span-results">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Payment per period:</label><span id="total-per-period" class="lz-span-results featured">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Sum of payments:</label><span id="sum-payments" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Interest cost:</label><span id="interest-cost" class="lz-span-results">$</span>
</div>
</div>
</div>
<input type="hidden" id="apbct_visible_fields_7" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoiaG91c2UtY29zdCBkb3ducGF5bWVudCBzZWxmLWVtcGxveWVkIGFtb3J0aXphdGlvbi1wZXJpb2QgaW50ZXJlc3QtcmF0ZSBwYXltZW50cy1wZXIteWVhciIsInZpc2libGVfZmllbGRzX2NvdW50Ijo2LCJpbnZpc2libGVfZmllbGRzIjoiYWN0aW9uIiwiaW52aXNpYmxlX2ZpZWxkc19jb3VudCI6MX19">
</form>Name: monthly-home-costs — POST
<form name="monthly-home-costs" id="monthly-home-costs" method="POST">
<input type="hidden" name="action" value="calculate_monthly_home_costs">
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Your Monthly Mortgage Payment <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> If you don't know your monthly mortgage payment, use our online calculator. <a href="#">Click here</a>
</span>
</div>
</label>
<input class="mask-money" type="text" name="monthly-mortgage-payment" value="" placeholder="$" required="required">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label>Your Annual Property Taxes</label>
<input class="mask-money" type="text" name="annual-property-taxes" value="" placeholder="$" required="required">
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Your Monthly Heating Cost <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Use an Estimated Cost </span>
</div>
</label>
<input class="mask-money" type="text" name="monthly-heating-cost" value="" placeholder="$" required="required">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Your Monthly Hydro Cost <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Use an Estimated Cost </span>
</div>
</label>
<input class="mask-money" type="text" name="monthly-hydro-cost" value="" placeholder="$" required="required">
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Your Monthly Water and Sewage Cost <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Use an Estimated Cost </span>
</div>
</label>
<input class="mask-money" type="text" name="monthly-water-cost" value="" placeholder="$" required="required">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Other House Related Costs You Know Of <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Average Per Month </span>
</div>
</label>
<input class="mask-money" type="text" name="other-related-costs" value="" placeholder="$">
</div>
</div>
</div>
<div class="lz-row less-space">
<div class="lz-col-12">
<div class="lz-row" style="text-align: center !important;">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
</div>
</div>
<div class="lz-separator" style="margin: 30px 0;"></div>
<div class="lz-row results">
<label class="lz-label-results">Your monthly property taxes:</label><span id="monthly-taxes" class="lz-span-results">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total monthly minimum home ownership costs:</label><span id="monthly-total-cost" class="lz-span-results featured">$</span>
</div>
<div class="lz-row">
<div class="lz-tooltip">
<i class="fa fa-info-circle"></i>This is the minimum you can plan to spend each month just for owning your new home. It does not take into account home maintenance costs or renovation costs.
</div>
</div>
<input type="hidden" id="apbct_visible_fields_8" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoibW9udGhseS1tb3J0Z2FnZS1wYXltZW50IGFubnVhbC1wcm9wZXJ0eS10YXhlcyBtb250aGx5LWhlYXRpbmctY29zdCBtb250aGx5LWh5ZHJvLWNvc3QgbW9udGhseS13YXRlci1jb3N0IG90aGVyLXJlbGF0ZWQtY29zdHMiLCJ2aXNpYmxlX2ZpZWxkc19jb3VudCI6NiwiaW52aXNpYmxlX2ZpZWxkcyI6ImFjdGlvbiIsImludmlzaWJsZV9maWVsZHNfY291bnQiOjF9fQ==">
</form>Name: monthly-mortgage-calculator — POST
<form name="monthly-mortgage-calculator" id="monthly-mortgage-calculator" method="POST">
<input type="hidden" name="action" value="calculate_monthly_mortgage">
<div class="lz-row cols">
<div class="lz-col-6">
<div class="lz-row lz-featured-input">
<label> Purchase Price <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Mortgage insurance is only available when the purchase price is below $1,000,000. </span>
</div>
</label>
<input type="text" name="house-cost" value="" placeholder="$" required="required">
</div>
<div class="lz-row lz-featured-input">
<label>Down Payment</label>
<input type="text" name="downpayment" value="" placeholder="$" required="required">
</div>
<div class="lz-row lz-featured-input label-small" style="margin-top: 30px;">
<label> What is your employement status? <select name="self-employed" required="required">
<option value="0">Employed</option>
<option value="1">Self-Employed</option>
</select>
</label>
</div>
<div class="lz-row">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
</div>
<div class="lz-col-6 lz-results-col">
<div class="lz-row results">
<label class="lz-label-results">Mortgage Amount:</label><span id="mortgage_needed" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Your loan to value ratio:</label><span id="ratio" class="lz-span-results">%</span>
</div>
<div class="lz-row results">
<label class="lz-label-results"> CMHC insurance premium rate: <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> If your downpayment is less than 20% of the cost of your house, you will need mortgage insurance (like CMHC). For most buyers, if you have at least a 20% downpayment, there will be no CMHC insurance premium.
</span>
</div>
</label>
<span id="cmhcp" class="lz-span-results">%</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">CMHC insurance premium amount:</label><span id="cmhcd" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">8% PST on your CMHC insurance premium:</label><span id="pst" class="lz-span-results">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Mortgage Amount:</label><span id="total_mortgage" class="lz-span-results featured">$</span>
</div>
<div class="lz-row">
<div class="lz-tooltip">
<i class="fa fa-info-circle"></i>Extended Amortization Surcharges <span class="lz-tooltiptext"> Extended Amortization Surcharges - if you want more than 25 years amortization period. <br> Add 0.20% for every 5 years of amortization beyond
the 25 year mortgage amortization period. </span>
</div>
</div>
<div class="lz-row results calculate-monthly-payment">
<p><a href="https://tools.td.com/mortgage-payment-calculator/" target="_blank">Calculate your monthly payment</a></p>
</div>
</div>
</div>
<input type="hidden" id="apbct_visible_fields_9" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoiaG91c2UtY29zdCBkb3ducGF5bWVudCBzZWxmLWVtcGxveWVkIiwidmlzaWJsZV9maWVsZHNfY291bnQiOjMsImludmlzaWJsZV9maWVsZHMiOiJhY3Rpb24iLCJpbnZpc2libGVfZmllbGRzX2NvdW50IjoxfX0=">
</form>Name: private-mortgages-closing-cost-calculator — POST
<form name="private-mortgages-closing-cost-calculator" id="private-mortgages-closing-cost-calculator" method="POST">
<input type="hidden" name="action" value="calculate_private_mortgages_closing_cost">
<h3 class="lz-title-section">Acting for</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<select name="acting-for" required="required">
<option value="borrower">Acting for the Mortgagor (borrower)</option>
<option value="lender">Acting for the Mortgagee (lender)</option>
</select>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Amount of the Loan</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> What is the total amount of your new mortgage including any insurance premiums such as CMHC fees? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> This applies when acting for a private lender only, where the loan is greather than $50,000. And in acting for both the private lender and borrower where the loan is equal to or less than $50,000. (Also by
private lender we mean NOT a Bank, Trust Company, Credit Union or other financial lending institution) </span>
</div>
</label>
<input type="text" name="refinance-price" value="" placeholder="$" required="required" class="mask-money">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="refinance-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="refinance-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="refinance-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="refinance-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want to calculate the Title Insurance? </label>
<select name="calculate-title-insurance" required="required" onchange="calculateTitleInsurance(jQuery(this).val());">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Tenancies</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> If your property is a residential multi-plex made up of more than one (1) single family residence but up to six (6) residences, please enter how many tenants there are. <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (e.g. if your property has more than six (6) single family residences, in other words, more than six (6) apartments please contact us for a quote, otherwise enter the number of tenants. If there are no
tenants enter "0" (zero)) </span>
</div>
</label>
<input type="number" name="tenancies" value="0" required="required">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="tenancies-fee" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Title Insurance & Mortgages</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will you be transfering title to a spouse? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (If you intend to transfer title to anyone other than your spouse then we will need to treat this like a purchase as well in addition to, and depending on how you are doing the transfer you may or may not be
obligated to pay land transfer taxes. Please call us to discuss, possible solutions.) </span>
</div>
</label>
<select name="transfering-spouse" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="transfering-spouse-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="transfering-spouse-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="transfering-spouse-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will this new mortgage be registered against more than one property? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. will this mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?) </span>
</div>
</label>
<select name="more-property" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="more-property-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="more-property-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="more-property-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="more-property-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will you be obtaining an additional mortgage, line of credit, bridge loan or other form of additional financing, which we will be acting on in addition to this mortgage? </label>
<select name="second-mortgage" required="required" onchange="verifySecondMortgage(this.value)">
<option value="n">No</option>
<option value="y">Yes</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="second-mortgage-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="second-mortgage-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="second-mortgage-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="second-mortgage-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space second-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is this new second mortgage, line of credit or other form of financing, which we will be acting on from a private lender? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. not a Bank, Trust Company, Credit Union or other financial lending institution) </span>
</div>
</label>
<select name="private-lender-second" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="private-lender-second-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space second-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will this new second mortgage be registered against more than one property? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. will this second mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?) </span>
</div>
</label>
<select name="secure-property" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="secure-property-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="secure-property-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="secure-property-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="secure-property-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Searches & Due Diligence</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Property Tax Certificate ordered? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended in situations where you suspect the borrower/owner has not paid the property taxes for a while and are uncertain of what is owed exactly.) (As the owner they inherit all past property taxes and
thus will be responsible to pay all arears plus interest and penalties, often times its easy to loose track of what they owe, or they may have substantially renovated or built new the property you are lending against, thus resulting in
Supplemnetary or Omitted Tax Bills that have been recently issued or overlooked. Remember Property Taxes take precedence over mortgages even if your mortgage was registered prior to the property tax lien.) </span>
</div>
</label>
<select name="tax-certificate" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="tax-certificate-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Property Information Report? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended for custom new built homes, homes that have been renovated or look like they had some work done) (The borrower/owner inherits all active building permits, violations, work orders and the zoning
designation that apply to the property, this could cost thousands to remedy and possibly requiring one to retain architects, planners and lawyers as well. The letter describes what the property is zoned for, if there are any applicable
by-laws and if there is anything active on the property (e.g. active building, heating and plumbing notices or orders to comply, it will identify any outstanding work orders, previous Committee of Adjustment applications or building
activity, as well as anything related. For example, outstanding workorders and open permits could mean thousands of dollars are required to rememdy the issue, thus resulting in lowering the marketability of the property reducing its
overall value and therefore your Loan To Value as a lender will be higher.) </span>
</div>
</label>
<select name="property-report" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="property-report-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a thorough Property Title Search and Off-Title Search? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended for properties that are NOT condos or subdivison homes, average cost is $250 for simple single family dwellings, more so for larger parcels of lands and buildings) (The borrower/owner inherits
the entire history of ownership, such as encumbrences, right-of-ways, easements and planning act violations, most of which cannot be discovered by a simple title search of the property only. Most lawyers will only pull title to
mortgaged property, without studying the abbuting lands bordering the property lines and their history of ownership. These lawyers will require the borrower/owner and lender to rely on the title insurance they ordered for you instead.
This often results in an incomplete conveyance of title, whereby a severe planning act violation resulted in a nulliefied transfer some-time in the past, resulting in the seller never having the right or conset to have sold the
borrower/owner the property or acquire the property himself when he did (Yes, a very scary situation). Not to mention complications when shared laneways, driveways, access roads or paths are never registered on title or are not exactly
as they appear to be when the borrower/owner or the lender visited the property. Often times lawyers will not know what to look for without studying the abbuting lands and their right-of-ways. And although the original seller may have
been enjoying the use of a neighbors driveway or lanway, it was never registered on title to either property, and therefore can be taken away at any time. Hence often times buyers are paying for something that can be taken away at
anytime. Also title insurance may not be that quick to help, like all insurance companies you need to first show that the problem falls within their coverage and that you are either being sued because of the problem or that you are able
to quantify the actual dollar value of the damages you have suffered because of the problem. This may be extremly difficult if its a laneway the borrower/owner thought they had access to but do not and thus need to use a different
laneway that is further away from the property to bring their car in. And although the original seller told the borrower/owner that it can be used, they now discover that the neighbor is building something over it. And yes it was only a
matter of convenience to the borrower/owner - something that cannot be necessarily quantified for title insurance coverage - it may have been a significant inducement to purchasing the property in the first place. This can now result is
a lower marketability of the property reducing its value, therefore increasing the lender's loan to value. ) </span>
</div>
</label>
<select name="title-search" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="title-search-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Utility Certificate? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext">
</span>
</div>
</label>
<select name="utility-certificate" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="utility-certificate-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row" style="text-align: center;">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
<div class="lz-separator" style="margin: 30px 0;"></div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Fees:</label><span id="total-fees" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-fees" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Disbursements:</label><span id="total-disbursements" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-disbursements" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - Statutory*:</label><span id="total-statutory" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - ELRSA:</label><span id="total-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-elrsa" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results title-insurance-result">
<div class="lz-col-6">
<label class="lz-label-results">Title Insurance:</label><span id="total-title-insurance" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">PST (Taxes):</label><span id="hst-total-title-insurance" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Costs:</label><span id="total-costs" class="lz-span-results featured">$</span>
</div>
<input type="hidden" id="apbct_visible_fields_10" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoiYWN0aW5nLWZvciByZWZpbmFuY2UtcHJpY2UgY2FsY3VsYXRlLXRpdGxlLWluc3VyYW5jZSB0ZW5hbmNpZXMgdHJhbnNmZXJpbmctc3BvdXNlIG1vcmUtcHJvcGVydHkgc2Vjb25kLW1vcnRnYWdlIHByaXZhdGUtbGVuZGVyLXNlY29uZCBzZWN1cmUtcHJvcGVydHkgdGF4LWNlcnRpZmljYXRlIHByb3BlcnR5LXJlcG9ydCB0aXRsZS1zZWFyY2ggdXRpbGl0eS1jZXJ0aWZpY2F0ZSIsInZpc2libGVfZmllbGRzX2NvdW50IjoxMywiaW52aXNpYmxlX2ZpZWxkcyI6ImFjdGlvbiIsImludmlzaWJsZV9maWVsZHNfY291bnQiOjF9fQ==">
</form>Name: purchase-closing-cost-calculator — POST
<form name="purchase-closing-cost-calculator" id="purchase-closing-cost-calculator" method="POST">
<input type="hidden" name="action" value="calculate_purchase_closing_cost">
<h3 class="lz-title-section">Money or Consideration Paid on Title Transfer</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> What is the consideration, monies, mortgage assumed or other amounts, paid or assumed at the time of title transfer? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> If there is consideration, monies, mortgage assumed or other amounts paid or assumed at the time of the title transfer from the transferee to transferor enter that amount, otherwise if there is no
consideration enter zero </span>
</div>
</label>
<input type="text" name="transfer-price" value="" placeholder="$" required="required" class="mask-money">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="transfer-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="transfer-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="transfer-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="transfer-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want to calculate the Title Insurance? </label>
<select name="calculate-title-insurance" required="required" onchange="calculateTitleInsurance(jQuery(this).val());">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Land Transfer Taxes</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Province </label>
<select name="province" required="required" onchange="search_province_cities(jQuery(this).val());">
<option>Select the province...</option>
<option value="ON">Ontario</option>
</select>
</div>
<br>
<div class="lz-row lz-featured-input label-small">
<label> City </label>
<select name="city" required="required">
<option>Select the city...</option>
<option value="Montreal">Montreal</option>
<option value="Toronto">Toronto</option>
</select>
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-cities">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Land Transfer Tax</label><span id="ltt" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">LTT Disbursement</label><span id="ltt-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">LTT Refund</label><span id="ltt-refund" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<label>
<input type="checkbox" name="first-time" value="1"> First-time Home Buyer <br>
</label>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Does your property contain at least one but not more than two, single family residences? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. is your property residential and is no more than a duplex or made up of no more than two (2) apartments? If it’s a triplex or more or not residential (e.g. commercial) than your answer should be no)
</span>
</div>
</label>
<select name="single-families" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Title Insurance & Mortgages</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is this property a condominium? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. is a condominium or does it have condominium common elements, this could still be a townhome or low/highrise building) </span>
</div>
</label>
<select name="condominium" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is the property you are purchasing a NEW property from the builder who is also the seller? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. are you buying a new build? Like a house that was recently torn down and rebuilt, or a home in a subdivison from the original builder directly, or a new build condominium from the builder directly)
</span>
</div>
</label>
<select name="builder-seller" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="builder-seller-fee" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will you be obtaining a first mortgage, line of credit or other form of financing, which we will be acting on? </label>
<select name="first-mortgage" required="required" onchange="verifyFirstMortgage(this.value)">
<option value="n">No</option>
<option value="y">Yes</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="first-mortgage-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="first-mortgage-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space first-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is this new first mortgage, line of credit or other form of financing, which we will be acting on from a private lender? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. not a Bank, Trust Company, Credit Union or other financial lending institution) </span>
</div>
</label>
<select name="private-lender" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="private-lender-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space first-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will this new mortgage be registered against more than one property? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. will this mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?) </span>
</div>
</label>
<select name="more-property" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="more-property-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="more-property-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="more-property-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="more-property-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will you be obtaining an additional mortgage, line of credit, bridge loan or other form of additional financing, which we will be acting on in addition to this mortgage? </label>
<select name="second-mortgage" required="required" onchange="verifySecondMortgage(this.value)">
<option value="n">No</option>
<option value="y">Yes</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="second-mortgage-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="second-mortgage-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="second-mortgage-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="second-mortgage-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space second-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is this new second mortgage, line of credit or other form of financing, which we will be acting on from a private lender? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. not a Bank, Trust Company, Credit Union or other financial lending institution) </span>
</div>
</label>
<select name="private-lender-second" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="private-lender-second-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space second-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will this new second mortgage be registered against more than one property? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. will this second mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?) </span>
</div>
</label>
<select name="secure-property" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="secure-property-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="secure-property-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="secure-property-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="secure-property-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Searches & Due Diligence</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Property Tax Certificate ordered? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended in situations where you suspect the borrower/owner has not paid the property taxes for a while and are uncertain of what is owed exactly.) (As the owner they inherit all past property taxes and
thus will be responsible to pay all arears plus interest and penalties, often times its easy to loose track of what they owe, or they may have substantially renovated or built new the property you are lending against, thus resulting in
Supplemnetary or Omitted Tax Bills that have been recently issued or overlooked. Remember Property Taxes take precedence over mortgages even if your mortgage was registered prior to the property tax lien.) </span>
</div>
</label>
<select name="tax-certificate" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="tax-certificate-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Property Information Report? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended for custom new built homes, homes that have been renovated or look like they had some work done) (The borrower/owner inherits all active building permits, violations, work orders and the zoning
designation that apply to the property, this could cost thousands to remedy and possibly requiring one to retain architects, planners and lawyers as well. The letter describes what the property is zoned for, if there are any applicable
by-laws and if there is anything active on the property (e.g. active building, heating and plumbing notices or orders to comply, it will identify any outstanding work orders, previous Committee of Adjustment applications or building
activity, as well as anything related. For example, outstanding workorders and open permits could mean thousands of dollars are required to rememdy the issue, thus resulting in lowering the marketability of the property reducing its
overall value and therefore your Loan To Value as a lender will be higher.) </span>
</div>
</label>
<select name="property-report" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="property-report-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a thorough Property Title Search and Off-Title Search? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended for properties that are NOT condos or subdivison homes, average cost is $250 for simple single family dwellings, more so for larger parcels of lands and buildings) (The borrower/owner inherits
the entire history of ownership, such as encumbrences, right-of-ways, easements and planning act violations, most of which cannot be discovered by a simple title search of the property only. Most lawyers will only pull title to
mortgaged property, without studying the abbuting lands bordering the property lines and their history of ownership. These lawyers will require the borrower/owner and lender to rely on the title insurance they ordered for you instead.
This often results in an incomplete conveyance of title, whereby a severe planning act violation resulted in a nulliefied transfer some-time in the past, resulting in the seller never having the right or conset to have sold the
borrower/owner the property or acquire the property himself when he did (Yes, a very scary situation). Not to mention complications when shared laneways, driveways, access roads or paths are never registered on title or are not exactly
as they appear to be when the borrower/owner or the lender visited the property. Often times lawyers will not know what to look for without studying the abbuting lands and their right-of-ways. And although the original seller may have
been enjoying the use of a neighbors driveway or lanway, it was never registered on title to either property, and therefore can be taken away at any time. Hence often times buyers are paying for something that can be taken away at
anytime. Also title insurance may not be that quick to help, like all insurance companies you need to first show that the problem falls within their coverage and that you are either being sued because of the problem or that you are able
to quantify the actual dollar value of the damages you have suffered because of the problem. This may be extremly difficult if its a laneway the borrower/owner thought they had access to but do not and thus need to use a different
laneway that is further away from the property to bring their car in. And although the original seller told the borrower/owner that it can be used, they now discover that the neighbor is building something over it. And yes it was only a
matter of convenience to the borrower/owner - something that cannot be necessarily quantified for title insurance coverage - it may have been a significant inducement to purchasing the property in the first place. This can now result is
a lower marketability of the property reducing its value, therefore increasing the lender's loan to value. ) </span>
</div>
</label>
<select name="title-search" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="title-search-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Utility Certificate? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext">
</span>
</div>
</label>
<select name="utility-certificate" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="utility-certificate-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row" style="text-align: center;">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
<div class="lz-separator" style="margin: 30px 0;"></div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Fees:</label><span id="total-fees" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-fees" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Disbursements:</label><span id="total-disbursements" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-disbursements" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - Statutory*:</label><span id="total-statutory" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - ELRSA:</label><span id="total-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-elrsa" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results title-insurance-result">
<div class="lz-col-6">
<label class="lz-label-results">Title Insurance:</label><span id="total-title-insurance" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">PST (Taxes):</label><span id="hst-total-title-insurance" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Land Transfer Tax:</label><span id="subtotal-ltt" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">LTT Disbursement:</label><span id="subtotal-ltt-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-ltt-disbursement" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Fees and Disbursements:</label><span id="total-feesdisbursements" class="lz-span-results featured">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Land Transfer Taxes and Credits:</label><span id="total-ltt" class="lz-span-results featured">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Costs</label><span id="total-costs" class="lz-span-results featured">$</span>
</div>
<input type="hidden" id="apbct_visible_fields_11" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoidHJhbnNmZXItcHJpY2UgY2FsY3VsYXRlLXRpdGxlLWluc3VyYW5jZSBwcm92aW5jZSBjaXR5IHNpbmdsZS1mYW1pbGllcyBjb25kb21pbml1bSBidWlsZGVyLXNlbGxlciBmaXJzdC1tb3J0Z2FnZSBwcml2YXRlLWxlbmRlciBtb3JlLXByb3BlcnR5IHNlY29uZC1tb3J0Z2FnZSBwcml2YXRlLWxlbmRlci1zZWNvbmQgc2VjdXJlLXByb3BlcnR5IHRheC1jZXJ0aWZpY2F0ZSBwcm9wZXJ0eS1yZXBvcnQgdGl0bGUtc2VhcmNoIHV0aWxpdHktY2VydGlmaWNhdGUiLCJ2aXNpYmxlX2ZpZWxkc19jb3VudCI6MTcsImludmlzaWJsZV9maWVsZHMiOiJhY3Rpb24iLCJpbnZpc2libGVfZmllbGRzX2NvdW50IjoxfX0=">
</form>Name: purchase-closing-funds — POST
<form name="purchase-closing-funds" id="purchase-closing-funds" method="POST">
<input type="hidden" name="action" value="calculate_purchase_closing_funds">
<div class="lz-row cols less-space">
<div class="lz-col-4">
<div class="lz-row lz-featured-input">
<label> Purchase Price </label>
<input id="house-cost" type="text" name="house-cost" value="" placeholder="$" required="required">
</div>
</div>
<div class="lz-col-4">
<div class="lz-row lz-featured-input">
<label> Down Payment </label>
<input class="mask-money" type="text" name="down-payment" value="" placeholder="$" required="required">
</div>
</div>
<div class="lz-col-4">
<div class="lz-row lz-featured-input">
<label> Your Deposit <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Your deposit with the realtor. </span>
</div>
</label>
<input class="mask-money" type="text" name="realtor-deposit" value="" placeholder="$" required="required">
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<label> Are you a first-time Home Buyer? <select name="first-time" required="required">
<option value="0">No</option>
<option value="1">Yes</option>
</select>
</label>
</div>
<div class="lz-col-6">
<label> What is your employement status? <select name="self-employed" required="required">
<option value="0">Employed</option>
<option value="1">Self-Employed</option>
</select>
</label>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Province </label>
<select name="province" required="required" onchange="search_province_cities(jQuery(this).val());">
<option>Select the province...</option>
<option value="AB">Alberta</option>
<option value="BC">British Columbia</option>
<option value="MB">Manitoba</option>
<option value="NB">New Brunswick</option>
<option value="NL">Newfoundland and Labrador</option>
<option value="NS">Nova Scotia</option>
<option value="ON">Ontario</option>
<option value="PE">Prince Edward Island</option>
<option value="QC">Quebec</option>
<option value="SK">Saskatchewan</option>
<option value="NT">Northwest Territories</option>
<option value="NU">Nunavut</option>
<option value="YT">Yukon</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> City </label>
<select name="city" required="required">
<option>Select the city...</option>
</select>
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-cities">
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label>Legal fees and legal disbursements</label>
<input class="mask-money" type="text" name="legal-fees" value="" placeholder="$">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Utility hook up fees and security deposits <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> If you are a first time buyer, you may have to make a security deposit with the gas company or the hydro company or the municipality. Check with your lawyer, or if a new home, ask your builder. </span>
</div>
</label>
<input class="mask-money" type="text" name="utility-hookup" value="" placeholder="$">
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Property tax adjustment <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Ask your lawyer for an estimate. Many people choose a specific date each month for their regular monthly mortgage payment, but the closing date falls on some other day of the month. To make all the math work,
the lender will charge you a smaller amount to pay for the stub period between the closing date and the date of your first payment. </span>
</div>
</label>
<input class="mask-money" type="text" name="property-tax-adjustment" value="" placeholder="$">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Mortgage adjustment payment <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Depends when your mortgage payments will be paid each month, relative to your closing date - you may need to make a mini payment </span>
</div>
</label>
<input class="mask-money" type="text" name="mortgage-adjustment" value="" placeholder="$">
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Moving and packing costs </label>
<input class="mask-money" type="text" name="moving-packing" value="" placeholder="$">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Other costs you know about </label>
<input class="mask-money" type="text" name="other-costs" value="" placeholder="$">
</div>
</div>
</div>
<div class="lz-row less-space">
<div class="lz-col-12">
<div class="lz-row" style="text-align: center !important;">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
</div>
</div>
<div class="lz-separator" style="margin: 30px 0;"></div>
<div class="lz-row results">
<label class="lz-label-results">Remaining Down Payment Amount:</label><span id="total-downpayment" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">PST on CMHC Insurance Premium:</label><span id="pst-insurance-premium" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Land Transfer Tax:</label><span id="land-tax" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Land Transfer Tax Rebate:</label><span id="land-rebate" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">All Additional Costs:</label><span id="additional-costs" class="lz-span-results">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total of All Expected Closing Costs:</label><span id="total-cost" class="lz-span-results featured">$</span>
</div>
<div class="lz-row">
<div class="lz-tooltip">
<i class="fa fa-info-circle"></i>This is the estimate of how much you will need to close your purchase over and above the deposit you already made with your real estate agent.
</div>
</div>
<input type="hidden" id="apbct_visible_fields_12" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoiaG91c2UtY29zdCBkb3duLXBheW1lbnQgcmVhbHRvci1kZXBvc2l0IGZpcnN0LXRpbWUgc2VsZi1lbXBsb3llZCBwcm92aW5jZSBjaXR5IGxlZ2FsLWZlZXMgdXRpbGl0eS1ob29rdXAgcHJvcGVydHktdGF4LWFkanVzdG1lbnQgbW9ydGdhZ2UtYWRqdXN0bWVudCBtb3ZpbmctcGFja2luZyBvdGhlci1jb3N0cyIsInZpc2libGVfZmllbGRzX2NvdW50IjoxMywiaW52aXNpYmxlX2ZpZWxkcyI6ImFjdGlvbiIsImludmlzaWJsZV9maWVsZHNfY291bnQiOjF9fQ==">
</form>Name: refinance-closing-cost-calculator — POST
<form name="refinance-closing-cost-calculator" id="refinance-closing-cost-calculator" method="POST">
<input type="hidden" name="action" value="calculate_refinance_closing_cost">
<h3 class="lz-title-section">Refinance Amount</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> What is the total amount of your new mortgage including any insurance premiums such as CMHC fees? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> This applies for when acting for both the lender and you in a conventional refinance with a bank or other institutional lender. </span>
</div>
</label>
<input type="text" name="refinance-price" value="" placeholder="$" required="required" class="mask-money">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="refinance-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="refinance-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="refinance-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="refinance-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want to calculate the Title Insurance? </label>
<select name="calculate-title-insurance" required="required" onchange="calculateTitleInsurance(jQuery(this).val());">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Tenancies</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> If your property is a residential multi-plex made up of more than one (1) single family residence but up to six (6) residences, please enter how many tenants there are. <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (e.g. if your property has more than six (6) single family residences, in other words, more than six (6) apartments please contact us for a quote, otherwise enter the number of tenants. If there are no
tenants enter "0" (zero)) </span>
</div>
</label>
<input type="number" name="tenancies" value="0" required="required">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="tenancies-fee" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Title Insurance & Mortgages</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will you be transfering title to a spouse? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (If you intend to transfer title to anyone other than your spouse then we will need to treat this like a purchase as well in addition to, and depending on how you are doing the transfer you may or may not be
obligated to pay land transfer taxes. Please call us to discuss, possible solutions.) </span>
</div>
</label>
<select name="transfering-spouse" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="transfering-spouse-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="transfering-spouse-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="transfering-spouse-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is this new first mortgage, line of credit or other form of financing, which we will be acting on from a private lender? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. not a Bank, Trust Company, Credit Union or other financial lending institution) </span>
</div>
</label>
<select name="private-lender" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="private-lender-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will this new mortgage be registered against more than one property? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. will this mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?) </span>
</div>
</label>
<select name="more-property" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="more-property-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="more-property-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="more-property-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="more-property-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will you be obtaining an additional mortgage, line of credit, bridge loan or other form of additional financing, which we will be acting on in addition to this mortgage? </label>
<select name="second-mortgage" required="required" onchange="verifySecondMortgage(this.value)">
<option value="n">No</option>
<option value="y">Yes</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="second-mortgage-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="second-mortgage-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="second-mortgage-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="second-mortgage-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space second-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is this new second mortgage, line of credit or other form of financing, which we will be acting on from a private lender? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. not a Bank, Trust Company, Credit Union or other financial lending institution) </span>
</div>
</label>
<select name="private-lender-second" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="private-lender-second-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space second-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will this new second mortgage be registered against more than one property? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. will this second mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?) </span>
</div>
</label>
<select name="secure-property" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="secure-property-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="secure-property-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="secure-property-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="secure-property-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Searches & Due Diligence</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Property Tax Certificate ordered? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended in situations where you suspect the borrower/owner has not paid the property taxes for a while and are uncertain of what is owed exactly.) (As the owner they inherit all past property taxes and
thus will be responsible to pay all arears plus interest and penalties, often times its easy to loose track of what they owe, or they may have substantially renovated or built new the property you are lending against, thus resulting in
Supplemnetary or Omitted Tax Bills that have been recently issued or overlooked. Remember Property Taxes take precedence over mortgages even if your mortgage was registered prior to the property tax lien.) </span>
</div>
</label>
<select name="tax-certificate" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="tax-certificate-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Property Information Report? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended for custom new built homes, homes that have been renovated or look like they had some work done) (The borrower/owner inherits all active building permits, violations, work orders and the zoning
designation that apply to the property, this could cost thousands to remedy and possibly requiring one to retain architects, planners and lawyers as well. The letter describes what the property is zoned for, if there are any applicable
by-laws and if there is anything active on the property (e.g. active building, heating and plumbing notices or orders to comply, it will identify any outstanding work orders, previous Committee of Adjustment applications or building
activity, as well as anything related. For example, outstanding workorders and open permits could mean thousands of dollars are required to rememdy the issue, thus resulting in lowering the marketability of the property reducing its
overall value and therefore your Loan To Value as a lender will be higher.) </span>
</div>
</label>
<select name="property-report" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="property-report-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a thorough Property Title Search and Off-Title Search? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (Recommended for properties that are NOT condos or subdivison homes, average cost is $250 for simple single family dwellings, more so for larger parcels of lands and buildings) (The borrower/owner inherits
the entire history of ownership, such as encumbrences, right-of-ways, easements and planning act violations, most of which cannot be discovered by a simple title search of the property only. Most lawyers will only pull title to
mortgaged property, without studying the abbuting lands bordering the property lines and their history of ownership. These lawyers will require the borrower/owner and lender to rely on the title insurance they ordered for you instead.
This often results in an incomplete conveyance of title, whereby a severe planning act violation resulted in a nulliefied transfer some-time in the past, resulting in the seller never having the right or conset to have sold the
borrower/owner the property or acquire the property himself when he did (Yes, a very scary situation). Not to mention complications when shared laneways, driveways, access roads or paths are never registered on title or are not exactly
as they appear to be when the borrower/owner or the lender visited the property. Often times lawyers will not know what to look for without studying the abbuting lands and their right-of-ways. And although the original seller may have
been enjoying the use of a neighbors driveway or lanway, it was never registered on title to either property, and therefore can be taken away at any time. Hence often times buyers are paying for something that can be taken away at
anytime. Also title insurance may not be that quick to help, like all insurance companies you need to first show that the problem falls within their coverage and that you are either being sued because of the problem or that you are able
to quantify the actual dollar value of the damages you have suffered because of the problem. This may be extremly difficult if its a laneway the borrower/owner thought they had access to but do not and thus need to use a different
laneway that is further away from the property to bring their car in. And although the original seller told the borrower/owner that it can be used, they now discover that the neighbor is building something over it. And yes it was only a
matter of convenience to the borrower/owner - something that cannot be necessarily quantified for title insurance coverage - it may have been a significant inducement to purchasing the property in the first place. This can now result is
a lower marketability of the property reducing its value, therefore increasing the lender's loan to value. ) </span>
</div>
</label>
<select name="title-search" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="title-search-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want a Utility Certificate? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext">
</span>
</div>
</label>
<select name="utility-certificate" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="utility-certificate-disbursement" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row" style="text-align: center;">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
<div class="lz-separator" style="margin: 30px 0;"></div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Fees:</label><span id="total-fees" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-fees" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Disbursements:</label><span id="total-disbursements" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-disbursements" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - Statutory*:</label><span id="total-statutory" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - ELRSA:</label><span id="total-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-elrsa" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results title-insurance-result">
<div class="lz-col-6">
<label class="lz-label-results">Title Insurance:</label><span id="total-title-insurance" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">PST (Taxes):</label><span id="hst-total-title-insurance" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Costs:</label><span id="total-costs" class="lz-span-results featured">$</span>
</div>
<input type="hidden" id="apbct_visible_fields_13" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoicmVmaW5hbmNlLXByaWNlIGNhbGN1bGF0ZS10aXRsZS1pbnN1cmFuY2UgdGVuYW5jaWVzIHRyYW5zZmVyaW5nLXNwb3VzZSBwcml2YXRlLWxlbmRlciBtb3JlLXByb3BlcnR5IHNlY29uZC1tb3J0Z2FnZSBwcml2YXRlLWxlbmRlci1zZWNvbmQgc2VjdXJlLXByb3BlcnR5IHRheC1jZXJ0aWZpY2F0ZSBwcm9wZXJ0eS1yZXBvcnQgdGl0bGUtc2VhcmNoIHV0aWxpdHktY2VydGlmaWNhdGUiLCJ2aXNpYmxlX2ZpZWxkc19jb3VudCI6MTMsImludmlzaWJsZV9maWVsZHMiOiJhY3Rpb24iLCJpbnZpc2libGVfZmllbGRzX2NvdW50IjoxfX0=">
</form>Name: sale-closing-cost-calculator — POST
<form name="sale-closing-cost-calculator" id="sale-closing-cost-calculator" method="POST">
<input type="hidden" name="action" value="calculate_sale_closing_cost">
<h3 class="lz-title-section">Sale Price</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> What is the total sale price and all consideration you are receiving to sell your property to the buyer? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> When you retain us for your closing we will review and request amendments/changes to your Agreement of Purchase and Sale at no charge. Yes, that's for Free! </span>
</div>
</label>
<input type="text" name="sale-price" value="" placeholder="$" required="required" class="mask-money">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="sale-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="sale-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Law Society Transaction Levy:</label><span id="sale-levy" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Tenancies</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> If your property is a residential multi-plex made up of more than one (1) single family residence but up to six (6) residences, please enter how many tenants there are. <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (e.g. if your property has more than six (6) single family residences, in other words, more than six (6) apartments please contact us for a quote, otherwise enter the number of tenants. If there are no
tenants enter "0" (zero)) </span>
</div>
</label>
<input type="number" name="tenancies" value="0" required="required">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="tenancies-fee" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Title Matters</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will you be requiring us to make any corrections on titles? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> Most likely not if the lawyer you used to purchase your property had addressed all possible issues and since then there have been no unexpected title matters, if you are not sure we will let you know once we
begin work or hear from the purchaser's lawyer as to their findings. </span>
</div>
</label>
<select name="title-corrections" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="title-corrections-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="title-corrections-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="title-corrections-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Are there any non-arm's length mortgages from your family members or similar that would require us to to discharge/remove the mortgage from title? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. not a mortgage from a Bank, Trust Company, Credit Union or other financial lending institution or private lender for which you were dealing with at arm's length) </span>
</div>
</label>
<select name="length-mortgages" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="length-mortgages-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="length-mortgages-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="length-mortgages-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row" style="text-align: center;">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
<div class="lz-separator" style="margin: 30px 0;"></div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Fees:</label><span id="total-fees" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-fees" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Disbursements:</label><span id="total-disbursements" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-disbursements" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">LSUC Levy:</label><span id="lsuc-levy" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-lsuc-levy" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - Statutory*:</label><span id="total-statutory" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - ELRSA:</label><span id="total-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-elrsa" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Costs:</label><span id="total-costs" class="lz-span-results featured">$</span>
</div>
<input type="hidden" id="apbct_visible_fields_14" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoic2FsZS1wcmljZSB0ZW5hbmNpZXMgdGl0bGUtY29ycmVjdGlvbnMgbGVuZ3RoLW1vcnRnYWdlcyIsInZpc2libGVfZmllbGRzX2NvdW50Ijo0LCJpbnZpc2libGVfZmllbGRzIjoiYWN0aW9uIiwiaW52aXNpYmxlX2ZpZWxkc19jb3VudCI6MX19">
</form>Name: title-insurance-calculator — POST
<form name="title-insurance-calculator" id="title-insurance-calculator" method="POST">
<input type="hidden" name="action" value="calculate_title_insurance">
<div class="lz-row cols">
<div class="lz-col-6">
<h3 class="lz-title-section" style="padding-left: 0;">Purchase Price</h3>
<div class="lz-row lz-featured-input label-small">
<label> What is the total amount including any insurance premiums such as CMHC fees? </label>
<input type="text" name="amount" value="" placeholder="$" required="required" class="mask-money">
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section" style="padding-left: 0;">Transaction Type</h3>
<div class="lz-row lz-featured-input label-small">
<label> Select the transaction type. </label>
<select name="transaction-type" required="required" onchange="verifyPurchase(this.value)">
<option value="purchase">Purchase</option>
<option value="refinance">Refinance</option>
<option value="title-transfer">Title Transfer</option>
<option value="private-mortgages">Private Mortgages</option>
</select>
</div>
<div class="lz-row lz-featured-input label-small purchase-field">
<label> Is this property a condominium? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. is a condominium or does it have condominium common elements, this could still be a townhome or low/highrise building) </span>
</div>
</label>
<select name="condominium" required="required">
<option value="n">No</option>
<option value="y">Yes</option>
</select>
</div>
<div class="lz-row lz-featured-input label-small purchase-field">
<label> Is the property you are purchasing a NEW property from the builder who is also the seller? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. are you buying a new build? Like a house that was recently torn down and rebuilt, or a home in a subdivison from the original builder directly, or a new build condominium from the builder directly)
</span>
</div>
</label>
<select name="builder-seller" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section" style="padding-left: 0;">Mortgage</h3>
<div class="lz-row lz-featured-input label-small">
<label> Will you be obtaining a mortgage? </label>
<select name="first-mortgage" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
<div class="lz-row">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
</div>
<div class="lz-col-6 lz-results-col">
<div class="lz-row results">
<label class="lz-label-results">Title Insurance Premium:</label><span id="premium" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Title Insurance Tax:</label><span id="tax" class="lz-span-results">$</span>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Title Insurance Amount:</label><span id="amount-due" class="lz-span-results featured">$</span>
</div>
</div>
</div>
<input type="hidden" id="apbct_visible_fields_15" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoiYW1vdW50IHRyYW5zYWN0aW9uLXR5cGUgY29uZG9taW5pdW0gYnVpbGRlci1zZWxsZXIgZmlyc3QtbW9ydGdhZ2UiLCJ2aXNpYmxlX2ZpZWxkc19jb3VudCI6NSwiaW52aXNpYmxlX2ZpZWxkcyI6ImFjdGlvbiIsImludmlzaWJsZV9maWVsZHNfY291bnQiOjF9fQ==">
</form>Name: title-transfer-closing-cost-calculator — POST
<form name="title-transfer-closing-cost-calculator" id="title-transfer-closing-cost-calculator" method="POST">
<input type="hidden" name="action" value="calculate_title_transfer_closing_cost">
<h3 class="lz-title-section">Money or Consideration Paid on Title Transfer</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> What is the consideration, monies, mortgage assumed or other amounts, paid or assumed at the time of title transfer? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> If there is consideration, monies, mortgage assumed or other amounts paid or assumed at the time of the title transfer from the transferee to transferor enter that amount, otherwise if there is no
consideration enter zero </span>
</div>
</label>
<input type="text" name="transfer-price" value="" placeholder="$" required="required" class="mask-money-allow-zero">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Fee</label><span id="transfer-fee" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Disbursement</label><span id="transfer-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">Statutory</label><span id="transfer-statutory" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">ELRSA</label><span id="transfer-elrsa" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you want to calculate the Title Insurance? </label>
<select name="calculate-title-insurance" required="required" onchange="calculateTitleInsurance(jQuery(this).val());">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Land Transfer Taxes</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Province </label>
<select name="province" required="required" onchange="search_province_cities(jQuery(this).val());">
<option>Select the province...</option>
<option value="ON">Ontario</option>
</select>
</div>
<br>
<div class="lz-row lz-featured-input label-small">
<label> City </label>
<select name="city" required="required">
<option>Select the city...</option>
<option value="Montreal">Montreal</option>
<option value="Toronto">Toronto</option>
</select>
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-cities">
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results">
<label class="lz-label-results">Land Transfer Tax</label><span id="ltt" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">LTT Disbursement</label><span id="ltt-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results">LTT Refund</label><span id="ltt-refund" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<label>
<input type="checkbox" name="first-time" value="1"> First-time Home Buyer <br>
</label>
</div>
</div>
<div class="lz-separator-section"></div>
<h3 class="lz-title-section">Title Insurance & Mortgages</h3>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Do you have a first mortgage, line of credit or other form of financing currently on title that you will need to maintain title insurance coverage for the lender? </label>
<select name="first-mortgage" required="required" onchange="verifyFirstMortgage(this.value)">
<option value="n">No</option>
<option value="y">Yes</option>
</select>
</div>
</div>
</div>
<div class="lz-row cols less-space first-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is this new first mortgage, line of credit or other form of financing, which we will be acting on from a private lender? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. not a Bank, Trust Company, Credit Union or other financial lending institution) </span>
</div>
</label>
<select name="private-lender" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="private-lender-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space first-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will this new mortgage be registered against more than one property? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. will this mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?) </span>
</div>
</label>
<select name="more-property" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="more-property-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will you be obtaining an additional mortgage, line of credit, bridge loan or other form of additional financing, which we will be acting on in addition to this mortgage? </label>
<select name="second-mortgage" required="required" onchange="verifySecondMortgage(this.value)">
<option value="n">No</option>
<option value="y">Yes</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="second-mortgage-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space second-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Is this new second mortgage, line of credit or other form of financing, which we will be acting on from a private lender? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. not a Bank, Trust Company, Credit Union or other financial lending institution) </span>
</div>
</label>
<select name="private-lender-second" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="private-lender-second-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row cols less-space second-mortgage" style="display: none;">
<div class="lz-col-6">
<div class="lz-row lz-featured-input label-small">
<label> Will this new second mortgage be registered against more than one property? <div class="lz-tooltip">
<i class="fa fa-info-circle"></i>
<span class="lz-tooltiptext"> (i.e. will this second mortgage need to be secured against not just the property you are refinancing but another property you own or someone has provided as collateral security?) </span>
</div>
</label>
<select name="secure-property" required="required">
<option value="y">Yes</option>
<option value="n">No</option>
</select>
</div>
</div>
<div class="lz-col-6">
<div class="lz-row results title-insurance-result">
<label class="lz-label-results">Title Insurance</label><span id="secure-property-title-insurance" class="lz-span-results">$</span>
</div>
</div>
</div>
<div class="lz-row" style="text-align: center;">
<input type="submit" class="lz-calculate-button" value="Calculate">
<img decoding="async" src="https://levyzavet.com/wp-content/plugins/levyzavet-calculators/assets/images/loading-calculator.gif" class="loading-calc">
</div>
<div class="lz-separator" style="margin: 30px 0;"></div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Fees:</label><span id="total-fees" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-fees" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Disbursements:</label><span id="total-disbursements" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-disbursements" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - Statutory*:</label><span id="total-statutory" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Registration - ELRSA:</label><span id="total-elrsa" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-total-elrsa" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results title-insurance-result">
<div class="lz-col-6">
<label class="lz-label-results">Title Insurance:</label><span id="total-title-insurance" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">PST (Taxes):</label><span id="hst-total-title-insurance" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">Total Land Transfer Tax:</label><span id="subtotal-ltt" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
</div>
</div>
<div class="lz-row cols results">
<div class="lz-col-6">
<label class="lz-label-results">LTT Disbursement:</label><span id="subtotal-ltt-disbursement" class="lz-span-results">$</span>
</div>
<div class="lz-col-6">
<label class="lz-label-results">HST (Taxes):</label><span id="hst-ltt-disbursement" class="lz-span-results">$</span>
</div>
</div>
<div class="lz-separator"></div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Fees and Disbursements:</label><span id="total-feesdisbursements" class="lz-span-results featured">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Land Transfer Taxes and Credits:</label><span id="total-ltt" class="lz-span-results featured">$</span>
</div>
<div class="lz-row results">
<label class="lz-label-results featured">Total Costs</label><span id="total-costs" class="lz-span-results featured">$</span>
</div>
<input type="hidden" id="apbct_visible_fields_16" name="apbct_visible_fields"
value="eyIwIjp7InZpc2libGVfZmllbGRzIjoidHJhbnNmZXItcHJpY2UgY2FsY3VsYXRlLXRpdGxlLWluc3VyYW5jZSBwcm92aW5jZSBjaXR5IGZpcnN0LW1vcnRnYWdlIHByaXZhdGUtbGVuZGVyIG1vcmUtcHJvcGVydHkgc2Vjb25kLW1vcnRnYWdlIHByaXZhdGUtbGVuZGVyLXNlY29uZCBzZWN1cmUtcHJvcGVydHkiLCJ2aXNpYmxlX2ZpZWxkc19jb3VudCI6MTAsImludmlzaWJsZV9maWVsZHMiOiJhY3Rpb24iLCJpbnZpc2libGVfZmllbGRzX2NvdW50IjoxfX0=">
</form>Text Content
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* Who We Are
* About Us
* Our Team
* Our Development Projects
* Our Representative Work
* What We Do
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* MICs & Mortgage Syndication
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* Litigation
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* Library
* Articles
* Resources
* Videos & Media
* Fees
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* Residential Real Estate Closing Costs
* Costs to Incorporate, Update & Organize Minute Books
* Wills and Power of Attorney Fees & Costs
* Incorporations
* Make A Payment
* Our Retainers
* Closing a Residential Purchase
* Closing a Residential Sale
* Closing a Residential Mortgage
* Closing a Residential Private Mortgage
* Closing Occupancy
* Title Transfer
* Drafting a Will or POA
* Incorporating
* Closing a Commercial Transaction
* Review or Draft Documents
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keyboard_arrow_down Here to serve for over 15 years, Levy Zavet consists of top
lawyers & law clerks
REAL ESTATE
We understand the sensitive nature of all Real Estate transactions and work
efficiently and professionally to provide clients with all of their possible
legal options and potential outcomes. Well versed in property and municipal law
we can handle your most basic transactions to your large scale development
projects.
BUSINESS & FINANCE
We work on Business transactions of all kinds, from drafting agreements to
raising capital or selling a business. We know the importance of diligently
securing a loan, beit a mortgage, construction finance or debenture. With a long
history of experience on many levels including securitization and compliance, we
work quickly and competently.
ESTATES & TAX
A well-planned estate can protect loved ones, maintain a family business, save
taxes, avoid conflicts and accomplish many other objectives. A comprehensive and
thoughtful estate plan includes wills, domestic contracts, life insurance, gifts
during your lifetime, estate freezes, family and other trusts, and powers of
Attorney for property and personal care.
LITIGATION
Experienced in real estate and construction litigation as well as every-day
business disputes, mortgage enforcement & power of sales, debt recovery,
employment law and wrongful termination, estate conflicts and disputes, and
landlord and tenant matters, we are always focused on getting our clients the
best results possible.
2000
Established
0k+
Happy Clients
0k+
Transactions Closed
0
Condo Projects
0M+
Largest Deal
0k+
Private Mortgages
We do it all
At Levy Zavet we consider our team to be well equipped to address any real
estate and business law matter, from simple closings of purchases, sales,
mortgages, refinances and complex acquisitions, to acting on behalf of condo
developers, home builders, mortgage lenders and private lenders, or as the
trusted legal advisor to businesses on corporate and transactional matters.
Call Us Today!
WHAT IS THE LEVY ZAVET ADVANTAGE?
At Levy Zavet PC, we take our legal responsibilities seriously.
Our years of experience enable us to provide clients with timely, accurate and
responsible advice in matters that range from business and real estate
transactional and litigation work to personal matters such as wills and estates
and tax planning. Along with an extensive track record of success, our
close-knit firm is dedicated to providing unparalleled service to all of our
clients. At Levy Zavet PC, we promote accessibility, a timely response via the
phone, email or other convenient forms of communication, and fair billing
practices. Please review our website to learn more about our core values and
commitment to value billing. -Jeff Levy, Managing Partner.
Our Services
REPRESENTATIVE WORK
At Levy Zavet we take great pride in the work we do for our clients, and we are
even more proud of their successes and achievements. Each member of our team
not only enjoys providing the legal services necessary to complete the work we
were retained for, but also in promoting and assisting in our clients’ ventures
and ideas. We strongly believe in our clients’ achievements and we enjoy growing
with them.
LARGE CONSTRUCTION FINANCING FOR 300+ UNIT CONDOMINIUM DEVELOPMENT
Negotiated loan agreement for construction financing for a condominium
development, and closed on financing.
Laywers:
Jeff Levy
Size:
$68M+
Location:
Kingston, Ontario
Year:
2019
ACQUISITION OF THE HAMILTON CITY CENTER
Drafted and negotiated the purchase agreement, helped negotiate favorable terms
with the Bank on the land acquisition loan, completed the acquisition of the
property, and drafted and negotiated JV documents.
Laywers:
Jeff Levy
Size:
$40M+
Location:
Hamilton, Ontario
Year:
2019
ACQUISITION OF PRE-ASSEMBLED LANDS APPROVED FOR LOW-RISE CONDO DEVELOPMENT
Negotiated purchase agreement, vendor take back mortgage and several extensions,
drafted the limited partnership agreement and completed the acquisition of the
property assembly.
Laywers:
Jeff Levy
Size:
$9M+
Location:
Toronto, Ontario
Year:
2020
LARGE CONSTRUCTION FINANCING FOR 450+ UNIT CONDO DEVELOPMENT
Negotiated bank syndicated construction financing terms and closed on the
financing for a JV condo development.
Laywers:
Jeff Levy
Size:
120M+
Location:
Kitchener, Ontario
Year:
2019
ACQUISITION OF 8 PROPERTIES IN THE KING WEST AREA OF DOWNTOWN TORONTO AS PART OF
AN ASSEMBLY SLATED FOR FUTURE DEVELOPMENT
Drafted several purchase agreements, drafted and negotiated a series of limited
partnership agreements, and closed on the acquisitions in stages using a single
source bank lender for each stage.
Laywers:
Jeff Levy
Size:
25M+
Location:
Toronto, Ontario
Year:
2020
ACQUISITION OF LARGE PARKING LOT FOR FUTURE CONDO DEVELOPMENT
Drafted and negotiated the purchase agreement, helped negotiate favorable terms
with the Bank on the land acquisition loan, completed the acquisition of the
property, and drafted and negotiated JV documents.
Laywers:
Jeff Levy
Size:
$10M+
Location:
Kitchener, Ontario
Year:
2020
View All Projects
CONDO DEVELOPMENTS WE ACT FOR
1107 MAIN ST, HAMILTON, ONTARIO
1107 Main St, Hamilton, Ontario Levy Zavet PC acted as the Lawyers as the Escrow
Agents for the Deposit Trust Account and Administration OverviewLocated at 1107
Main Street West in the City of Hamilton, Ontario.
Location:
Hamilton, Ontario
Completion:
Pre-Construction
Sales:
For Sale
Promotion:
4% Off
77 JAMES ST, HAMILTON, ONTARIO
77 James St, Hamilton, Ontario Levy Zavet PC acted as the Lawyers as the Escrow
Agents for the Deposit Trust Account and Administration OverviewLocated at 77
James Street North in the City of Hamilton, Ontario.
Location:
Hamilton, Ontario
Completion:
Pre-Construction
Sales:
For Sale
Promotion:
4% Off
BATHURST & RICHMOND, TORONTO, ONTARIO
Bathurst & Richmond, Toronto, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewLocated
at 164 Bathurst Street in the City of Toronto, Ontario. Bathurst
Location:
Toronto, Ontario
Completion:
Pre-Construction
Sales:
For Sale
Promotion:
4% Off
SIX99 CONDOS, TORONTO, ONTARIO
Six99 Condos, Toronto, Ontario Levy Zavet PC acted as the Lawyers as the Escrow
Agents for the Deposit Trust Account and Administration OverviewLocated at 699
Sheppard Avenue East, in the City of Toronto. Six99 Condos
Location:
Toronto, Ontario
Completion:
In-Construction
Sales:
For Sale
Promotion:
4% Off
TEK TOWER, KITCHENER, ONTARIO
Tek Tower, Kitchener, Ontario Levy Zavet PC acted as the Lawyers as the Escrow
Agents for the Deposit Trust Account and Administration OverviewLocated at 30
Francis Street South, in the City of Kitchener, Ontario. Tek
Location:
Kitchener, Ontario
Completion:
In-Construction
Sales:
For Sale
Promotion:
4% Off
U-STYLE CONDOMINIUM, WATERLOO, ONTARIO
U-Style Condominium, Waterloo, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewLocated
at 246 Lester Street, in the City of Waterloo, Ontario. U-Style condo
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
SAGE KINGSTON, KINGSTON, ONTARIO
Sage Kingston, Kingston, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewLocated
at 652 Princess Street, in the City of Kington, Ontario. Sage Kingston
Location:
Kitchener, Ontario
Completion:
Closed
Sales:
For Sale
Promotion:
Expired
SAGE X, WATERLOO, ONTARIO
Sage 10 Platinum Condominiums, Waterloo, Ontario Levy Zavet PC acted as the
Lawyers as the Escrow Agents for the Deposit Trust Account and Administration
OverviewLocated at 257 Hemlock Street, in the City of Waterloo, Ontario.
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
SAGE 9, WATERLOO, ONTARIO
Sage 9 Platinum Condominiums, Waterloo, Ontario Levy Zavet PC acted as the
Lawyers as the Escrow Agents for the Deposit Trust Account and Administration
OverviewLocated at 308 Lester Street, in the City of Waterloo, Ontario.
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
WHITEHAUSE CONDOMINIUMS, TORONTO, ONTARIO
Whitehause Condominiums, Toronto, Ontario Levy Zavet PC acted as the Lawyers as
the Escrow Agents for the Deposit Trust Account and Administration Overview
Located at 22364-2376 Yonge Street, in the City of Toronto, Ontario, near
Location:
Toronto, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
THE YORKVILLE CONDOMINIUMS, TORONTO, ONTARIO
The Yorkville Condominiums, Toronto, Ontario Levy Zavet PC acted as Lawyers as
Escrow Agents for the Deposit Trust Account and Administration
OverviewCommanding the heart of your neighbourhood, the Yorkville corners on the
secret gem of
Location:
Toronto, Ontario
Completion:
Closed
Sales:
For Sale
Promotion:
Expired
THE CODE CONDOS, TORONTO, ONTARIO
The Code Condos, Toronto, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewThe Code
Condos is a new condo and townhouse project by BLVD
Location:
Toronto, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
THE CAPITOL CONDOMINIUMS, KINGSTON, ONTARIO
The Capitol Condominiums, Kingston, Ontario Levy Zavet PC acted as the Lawyers
as the Escrow Agents for the Deposit Trust Account and Administration
OverviewLocated at 223 Princess Street, in the City of Kingston, Ontario, The
Location:
Kingston, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
THE BOND CONDOMINIUMS, TORONTO, ONTARIO
The Bond Condominiums, Toronto, Ontario Levy Zavet PC acted as the Lawyers as
the Escrow Agents for the Deposit Trust Account and Administration
OverviewRising 42 storeys above the intersection of Adelaide Street and John
Street,
Location:
Toronto, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
SAGE CONDOMINIUMS, WATERLOO, ONTARIO
Sage Condominiums, Waterloo, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewLocated
at 8 Hickory Street in Waterloo, Sage Condos is situated ideally along
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
For Sale
Promotion:
Expired
SAGE 8 PLATINUM CONDOMINIUMS, WATERLOO, ONTARIO
Sage 8 Platinum Condominiums, Waterloo, Ontario Levy Zavet PC acted as the
Lawyers as the Escrow Agents for the Deposit Trust Account and Administration
OverviewLocated at 250 Albert Street in Waterloo, Sage 8 is just
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
SAGE 6 CONDOMINIUMS, WATERLOO, ONTARIO
Sage 6 Condominiums, Waterloo, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewLocated
at 251 Hemlock Street in Waterloo, Sage VI is just minutes
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
SAGE 5 CONDOMINIUMS, WATERLOO, ONTARIO
Sage 5 Condominiums, Waterloo, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewLocated
at 280 Lester Street in Waterloo, Sage V is just minutes
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
SAGE 3 CONDOMINIUMS, WATERLOO, ONTARIO
Sage 3 Condominiums, Waterloo, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewLocated
at 62 Balsam, directly across the street from Wilfrid Laurier’s new
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
SAGE 2 CONDOMINIUMS, WATERLOO, ONTARIO
Sage 2 Condominiums, Waterloo, Ontario Levy Zavet PC acted as the Lawyers as the
Escrow Agents for the Deposit Trust Account and Administration OverviewLocated
at 318 Spruce Street in Waterloo, Sage II is situated ideally
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
IVY TOWNS CONDOMINIUMS, WATERLOO, ONTARIO
Ivy Towns Condominiums, Waterloo, Ontario Levy Zavet PC acted as the Lawyers as
the Escrow Agents for the Deposit Trust Account and Administration
OverviewLocated at 253 Albert Street in Waterloo, Ivy Towns is just minutes
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
IVY TOWNS 3 CONDOMINIUMS, WATERLOO, ONTARIO
Ivy Towns 3 Condominiums, Waterloo, Ontario Levy Zavet PC acted as the Lawyers
as the Escrow Agents for the Deposit Trust Account and Administration
OverviewLocated at 338 Albert Street in Waterloo, Ivy Towns is just
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
Sold Out
Promotion:
Expired
IVY TOWNS 2 CONDOMINIUMS, WATERLOO, ONTARIO
Ivy Towns 2 Condominiums, Waterloo, Ontario Levy Zavet PC acted as the Lawyers
as the Escrow Agents for the Deposit Trust Account and Administration
OverviewLocated at 288 Albert Street in Waterloo, Ivy Towns is just
Location:
Waterloo, Ontario
Completion:
Closed
Sales:
For Sale
Promotion:
Expired
View All Projects
MEET OUR LAWYERS
Levy Zavet consists of top lawyers, law clerks and assistants in the Ontario
area. At Levy Zavet we are governed by three core principles: to provide
unparalleled service, to be on the cutting edge of legal trends in our
respective practice areas, and to provide our customers with value added
services.
MAXIM ZAVET
Co-Founder - Lawyer
JEROME MARAJ
Associate - Lawyer
MICHAEL SURIA
Senior Associate - Lawyer
RAMOND LO
Associate - Lawyer
LARRY LIU
Associate - Lawyer
JEFF LEVY
Managing Partner & Co-Founder - Lawyer
SHERVIN RISMANI
Partner - Lawyer
JULIAN BINAVINCE
Partner - Lawyer
MAXIM ZAVET
Co-Founder - Lawyer
JEROME MARAJ
Associate - Lawyer
MICHAEL SURIA
Senior Associate - Lawyer
RAMOND LO
Associate - Lawyer
LARRY LIU
Associate - Lawyer
JEFF LEVY
Managing Partner & Co-Founder - Lawyer
SHERVIN RISMANI
Partner - Lawyer
JULIAN BINAVINCE
Partner - Lawyer
MAXIM ZAVET
Co-Founder - Lawyer
JEROME MARAJ
Associate - Lawyer
Practice Areas
View All Practices
After consulting with our office, you will likely have a better understanding of
what needs to be done and what exactly we can do for you and how, including if
its a litigation matter, the merits of your case and of what is involved in the
process. Our lawyers place a premium on client communication and awareness and
adhere to the highest ethical standards in the closing of your transaction,
completion of your legal work, or prosecution and resolution of your claims.
Should you retain our services, your matter will be handled professionally,
competently, and if necessary, aggressively with the ultimate goal to reach a
swift closing and prosperous conclusion.
LITIGATION
LITIGATION
Business disputes, construction liens, real estate litigation, wrongful
termination, estate and commercial litigation LEARN MORE
MORTGAGE SYNDICATION
MORTGAGE SYNDICATION
Working with an EMD to meet prospectus and dealer exemptions, offering memos,
subscription agreements and general compliance, trustee services LEARN MORE
LAND ASSEMBLY & REAL ESTATE DEVELOPMENT
LAND ASSEMBLY & REAL ESTATE DEVELOPMENT
Including condominium and subdivision developments LEARN MORE
REAL ESTATE CLOSINGS & PROPERTY LAW
REAL ESTATE CLOSINGS & PROPERTY LAW
Including residential and commercial properties of all types and complexities
LEARN MORE
PRIVATE MORTGAGE CLOSINGS & ADMINISTRATION
PRIVATE MORTGAGE CLOSINGS & ADMINISTRATION
Secured against residential or commercial properties, including construction
loans, equity take-outs and consolidations. LEARN MORE
BUSINESS SETUP & CONTRACTS
BUSINESS SETUP & CONTRACTS
Incorporations, partnerships, JVs, buy/sell, securities, private placements,
exempt offerings, agreement drafting. LEARN MORE
COMMERCIAL & BUSINESS TRANSACTIONS
COMMERCIAL & BUSINESS TRANSACTIONS
Complex financing arrangements, commercial loan transactions, purchases and
sales, including buying and selling a business LEARN MORE
WILLS, ESTATES & TAX
WILLS, ESTATES & TAX
Wills, power of attorney, estate, tax and succession planning, including
reorganizations LEARN MORE
MORTGAGE & LOAN ENFORCEMENT
MORTGAGE & LOAN ENFORCEMENT
Power of sales, foreclosures, general enforcement work and collections LEARN
MORE
LITIGATION
LITIGATION
Business disputes, construction liens, real estate litigation, wrongful
termination, estate and commercial litigation LEARN MORE
MORTGAGE SYNDICATION
MORTGAGE SYNDICATION
Working with an EMD to meet prospectus and dealer exemptions, offering memos,
subscription agreements and general compliance, trustee services LEARN MORE
LAND ASSEMBLY & REAL ESTATE DEVELOPMENT
LAND ASSEMBLY & REAL ESTATE DEVELOPMENT
Including condominium and subdivision developments LEARN MORE
REAL ESTATE CLOSINGS & PROPERTY LAW
REAL ESTATE CLOSINGS & PROPERTY LAW
Including residential and commercial properties of all types and complexities
LEARN MORE
PRIVATE MORTGAGE CLOSINGS & ADMINISTRATION
PRIVATE MORTGAGE CLOSINGS & ADMINISTRATION
Secured against residential or commercial properties, including construction
loans, equity take-outs and consolidations. LEARN MORE
BUSINESS SETUP & CONTRACTS
BUSINESS SETUP & CONTRACTS
Incorporations, partnerships, JVs, buy/sell, securities, private placements,
exempt offerings, agreement drafting. LEARN MORE
* Private Lending
* MIC's
* Buy or Sell a Business
* EMD
* Cannabis
* Litigation
* Fixed Fees
PRIVATE LENDING
YOUR ONE STOP FOR PRIVATE MORTGAGE LENDING
* Our Lawyers are experienced not only in the legal requirements to secure your
mortgage loan but also in the standard practices of underwriting typical
private mortgage loans on residential and commercial properties across
Ontario.
* Having acted for Mortgage Investment Corporations (MICs), Trust Companies,
Banks, Credit Unions and other types of mortgage lenders across Canada, the
lawyers at Levy Zavet are well equipped to review your mortgage commitments
advise on any changes, additional security, priority concerns, collateral and
cross-collateralization, at reasonable fixed fees.
* Levy Zavet lawyers are able to understand the complex securitization of
construction financing that is based on the future potential development such
as condominiums where most of the units are pre-sold, and the regulatory
requirements may play a roll in the ability to secure and preserve the
priority of your private mortgage loan.
Contact Us
MIC'S
MIC’S
With significant potential for favourable rates of return and previously
instituted tax exemptions, Canadian Mortgage Investment Corporations (MIC’s) are
increasingly becoming recognized as a low-risk method of investment.
MICs have become known for their great advantages such as the direct
flow-through of net income to investors with the exemption of corporate tax.
Considering how volatile the stock market can be, the MIC is an excellent option
for investors, particularly those who are interested in something similar to
mortgage note investing, to receive consistent dividends while owning security
against real property.
MICs provide an excellent alternative source of financing and are growing
exponentially in operation and capacity in Canada. With prudent and professional
management, MICs can achieve high returns to investors with low risk. As with
any investment, be it real property or by way of share purchasing, investors
should discuss the legal operative requirements of a MIC with their lawyer when
deciding to establish a MIC, or just to discern whether the federal Income Tax
Act ‘s (ITA) legal requirements are clearly abided by a MIC in order to make the
most profitable yet secure investment decision.
The lawyers at Levy Zavet PC are ready to assist investors in deciding to invest
in a MIC on a compliance level, help those looking to start and incorporate a
new MIC, as well as advise on maintaining a MIC.
Contact Us
BUY OR SELL A BUSINESS
SALE OR PURCHASE OF A BUSINESS
From venture-backed cutting-edge startups in the tech sector, to growing
companies in the marijuana industry navigating the complex regulatory field, to
established family-run businesses including evaluating and structuring
investments for their portfolio, Levy Zavet’s lawyers have extensive experience
assisting and advising businesses in charting the best course.
By tapping into our network of angel and venture capital investors, we can help
your business gain access to capital to fuel its continued growth and success.
Whether you are an entrepreneur, a growing company, or an investor, you can be
comfortable in knowing that Levy Zavet lawyers will provide you and your
business with the knowledge and experience it needs to continue to grow
successfully.
* Establishing business strategies
* Incorporation and structuring
* Intellectual property protection
* Mergers, acquisitions and dispositions
* Employment issues
* Business immigration
* Equity and debt financing, including angel investments, seed rounds, series A
and follow-on rounds, bridge loans and mezzanine financing
* Shareholder disputes and litigation
* Creating shareholder, partnership and sweat equity agreements that meet the
individual needs of the business
Contact Us
EMD
EMD
The exempt securities market is the sector of the capital markets for which
certain exemptions are provided under provincial securities legislation from the
full requirements of prospectus disclosure and certain retail client sales
requirements.
Our team at Levy Zavet is ready to advise you on trading in prospectus exempt
securities, and offering of securities to qualified exempt market clients. Our
clients include companies, institutional investors, accredited investors, or
eligible investors who are qualified to purchase exempt securities pursuant to
an offering memorandum.
We are up to date on all registration and compliance requirements regulated by
the provincial securities commissions, and can guide you through meeting all
required obligations which include: capital and solvency, insurance, audited
financial statements, know your client, know your product, trade suitability,
compliance systems, record keeping, client statements, trade confirmations,
disclosure of conflicts of interest and referral arrangements, etc.
Contact Us
CANNABIS
CANNABIS
On October 17, 2018, Canada legalized recreational cannabis use. Since then the
cannabis market has been fast developing into a multi-billion dollar business
sector. However, with the vast opportunities also comes risks and challenges, as
this new sector evolves and gets established.
Our lawyers at Levy Zavet have vast experience in dealing with and providing
legal solutions to cannabis sector clients on a full range of relevant matters.
From providing strategic advice on acquisitions and regulatory matters, to
licensing for cultivation facilities and dispensaries, Levy Zavet is able to
draw on its hands-on experience in the industry to assist our clients achieve
their objectives in this rapidly expanding sector.
Contact Us
LITIGATION
LEVY ZAVET LITIGATION LAWYERS WHO FIGHT FOR YOU!
The lawyers at Levy Zavet have many years of combined experience in almost all
facets of civil litigation, including breach of non-competition and
non-solicitation agreements, commercial tenancy and landlord disputes, estate
litigation and asking for directions from the court, as well as construction law
matters including registering and perfecting construction liens and plaintiff
claims and defending same.
Contact Us
FIXED FEES
WHAT WE CAN DO FOR YOU!
* Fixed Fee Competitively Priced Real Estate Closings of all kinds, including
private mortgage closings.
* Fixed Fee Competitively Priced Business Incorporations and Setup of all types
of enterprises.
* Fixed Fee Competitively Priced Sale or Purchase of a Business including Asset
and Share sales.
* Fixed Fee Competitively Priced Wills and Power of Attorneys for both simple
and moderate estate planning.
* Fixed Fee Competitively Priced Probate applications and applying for
certificates of appointment of estate trustee.
* Fixed Fee Competitively Priced Trademark applications in both Canada and the
U.S.A.
* Fixed Fee Competitively Priced Mortgage Lending Business Setup and Guidance,
including MICs.
Contact Us
SATISFIED CLIENT STORIES
Testimonials
I worked under Jeff Levy of Levy Zavet Law for about a year writing legal
content. Though he is half of my age, he showed remarkable compassion, fortitude
and understanding for my lapses and transgressions. At the same time, he had
been unstinted in his praise when he liked my work. Actually, in the freelance
market, I am yet to find a person filling adequately Jeff’s shoes. But, he is a
tough negotiator! If this testimonial finds a place in Levy Zavet Law’s upcoming
webpage, and is of help in any manner, no one would be more pleased than me.
by Souman Bandyopadhyay, Business Law
Jeff is the best lawyer I have ever worked with. He explained everything to me
in terms I could easily understand and was always very responsive when I had
questions. He always addressed my request and question in a very well time
manner.
If anyone is looking for a knowledgeable and professional lawyer then go to
Jeff.
by Sepideh Babaesfahani, Business Law
Levy Zavet has provided legal counsel to our company for several years now and
they have always been ready, willing and able to assist us in all our legal
matters. At times we have needed their help at the eleventh hour and they have
always come through no matter how short the time frame. We intend on being with
Mr. Jeff Levy and his team for a long time to come.
by Pina Burdo, Owner of Esperia Grape Juice Ltd. Business Law
This is our 3rd time working with Levy Zavet and we have always worked directly
with ‘Ruchir Shah’ Ruchir is very knowledgeable. Ruchir negotiated hard and made
sure our levies were capped for our new construction. He explained every piece
of document, Ruchir and team was very professional and responsive to the
deadlines and we were able to close everything with absolutely non stress!
Highly recommend!!
Thank you Ruchir. I would not work with anyone else except Ruchir for my Real
Estate transactions.
by Vik Palan, Real Estate Law
Jeff Levy has been my lawyer for two real estate transactions. First and
foremost – he did an excellent job verifying every single detail to ensure that
the deal goes through smoothly. He also took the time to answer all my questions
and made sure I understood how the process works. Both transactions went through
quickly and without any complications. Overall, I am very happy with the service
and I would ask Jeff to represent my interests in the future.
by Eric Rotberg, Real Estate Law
Levy Zavet and their capable legal team of law clerks, notaries, legal
assistants and lawyers are exceptional. Jeff, and Ruchir and all of the staff
I’ve worked with since 2012 on many of my real estate/mortgage transactions are
all amazing – simply the best in class. They can jump into action almost
immediately and on a rush basis and deal with my demanding and worrywart side of
myself with hand knit gloves. I am happy to pay market rates or above market for
Levy Zavet, because you want quality and posh legal services, especially for
such important transactions. They’ve turned around and ensured the closing of
all my deals, even with managing last minute delays from the purchaser’s lender
or realtor. To summarize, they’re the most professional, exceptional quality,
good spirited team, and at fair market rates. I truly believe they’re the gold
star of real estate lawyers in our incredible Toronto, GTA, Ontario and Canada.
Jeff and Ruchir – thank you for being such an amazing team to me and being so
patient with all my requests.
by Hando Kang, Real Estate Law
Jeff Levy dealt with my matter amazingly promptly and professionally. He focused
on the key issues and helped me come to a great resolution quickly. Extremely
client and resolution focused. I recommend Jeff and his firm highly to anyone
looking for honest and direct counsel and service.
by Scott Rutherford, Real Estate Law
Best experience I ever had with any service provider. They helped me and my son
complete a purchase as a first time homebuyer and a single mother. Jeff Levy
personally answered all my questions and all the time. They then helped my son
with a few questions he had for his new business. Highly Recommend
by Myrna Andre, Real Estate Law
I had the pleasure of working with Ruchir Shah, Renate Cvetkova, and Jeff Levy.
My real estate matter was handled extremely professionally in the COVID-19
context. Ruchir was able to take away a lot of stress I was experiencing by
answering all of my questions, getting documents to me quickly, and closing the
deal without any issues. Renate kept me informed and calm every step of the way.
As for Jeff, I really admire that he answered my emails at 10:00 p.m. on
weekends within minutes. Excellent lawyers.
by Maxim Basu, Real Estate Law
I worked under Jeff Levy of Levy Zavet Law for about a year writing legal
content. Though he is half of my age, he showed remarkable compassion, fortitude
and understanding for my lapses and transgressions. At the same time, he had
been unstinted in his praise when he liked my work. Actually, in the freelance
market, I am yet to find a person filling adequately Jeff’s shoes. But, he is a
tough negotiator! If this testimonial finds a place in Levy Zavet Law’s upcoming
webpage, and is of help in any manner, no one would be more pleased than me.
by Souman Bandyopadhyay, Business Law
Jeff is the best lawyer I have ever worked with. He explained everything to me
in terms I could easily understand and was always very responsive when I had
questions. He always addressed my request and question in a very well time
manner.
If anyone is looking for a knowledgeable and professional lawyer then go to
Jeff.
by Sepideh Babaesfahani, Business Law
Why Choose Us?
EXPERT LAWYERS
We are a dynamic and progressive competent team that offers highly experienced
specialized services for matters that most individuals, businesses,
entrepreneurs and real estate developers routinely need.
GET LEGAL ADVICE
We provide clients with timely, accurate and responsible advice in matters that
range from real estate to securities law. Our firm is dedicated to providing
unparalleled service to all of our clients.
TRANSPARENCY
Our prices are clearly stated and explained to you, and you will know how much
and the reason for any additional costs as they arise.
Real Estate Closing Calculators
CMHC Insurance CalculatorGST/HST New Housing Rebate CalculatorLand Transfer Tax
CalculatorMonthly Mortgage Payment CalculatorMonthly Home Costs
CalculatorMortgage CalculatorPrivate Mortgage Closing Costs CalculatorPurchase
Closing Costs CalculatorPurchase Closing Funds CalculatorRefinance Closing Costs
CalculatorSale Closing Costs CalculatorTitle Insurance CalculatorTitle Transfer
Closing Costs Calculator
* CMHC Insurance Calculator
* GST/HST New Housing Rebate Calculator
* Land Transfer Tax Calculator
* Monthly Mortgage Payment Calculator
* Monthly Home Costs Calculator
* Mortgage Calculator
* Private Mortgage Closing Costs Calculator
* Purchase Closing Costs Calculator
* Purchase Closing Funds Calculator
* Refinance Closing Costs Calculator
* Sale Closing Costs Calculator
* Title Insurance Calculator
* Title Transfer Closing Costs Calculator
CMHC INSURANCE CALCULATOR
CMHC INSURANCE CALCULATOR
Purchase Price
Mortgage insurance is only available when the purchase price is below
$1,000,000.
Down Payment
What is your employement status? Employed Self-Employed
Mortgage Amount:
If your downpayment is less than 20% of the cost of your house, you will need
mortgage insurance (like CMHC). For most buyers, if you have at least a 20%
downpayment, there will be no CMHC insurance premium.
$
Your loan to value ratio:%
CMHC insurance premium rate:%
Total CMHC Insurance Premium:$
Extended Amortization Surcharges Extended Amortization Surcharges - if you want
more than 25 years amortization period.
Add 0.20% for every 5 years of amortization beyond the 25 year mortgage
amortization period.
GST/HST NEW HOUSING REBATE CALCULATOR
GST/HST NEW HOUSING REBATE CALCULATOR
Enter the Listing Price Here
HST included Price Net of Rebate (Listing Price)
HST Included Price:$
Purchase Price Before HST:$
HST:$
Federal Portion:$
Ontario Portion:$
Federal Rebate:$
Ontario Rebate:$
Total Rebate:$
LAND TRANSFER TAX CALCULATOR
LAND TRANSFER TAX CALCULATOR
Purchase Price
Down Payment
First-time Home Buyer
Province Select the province... Alberta British Columbia Manitoba New Brunswick
Newfoundland and Labrador Nova Scotia Ontario Prince Edward Island Quebec
Saskatchewan Northwest Territories Nunavut Yukon
City Select the city... Montreal Toronto
Mortgage Amount:$
Land Transfer Tax:$
Land Transfer Tax Rebate:$
Total Land Transfer Tax Amount:$
MONTHLY MORTGAGE PAYMENT CALCULATOR
MONTHLY MORTGAGE PAYMENT CALCULATOR
Purchase Price
Mortgage insurance is only available when the purchase price is below
$1,000,000.
Down Payment
What is your employement status? Employed Self-Employed
Amortization Period in Years
The length of time it will take a homeowner to pay off his/her mortgage. In
Canada, the maximum amortization period for insurable mortgages is 25 years.
Longer amortization periods allow homeowners to make smaller monthly payments,
but equate to more interest paid over the life of the mortgage.
Annual Interest Rate
The rate of interest you will pay on the outstanding balance of your mortgage.
This is determined by the mortgage type and mortgage provider.
Payment Frequency
The number of payments per year.
Monthly Bi-weekly Accelerated Bi-weekly
CMHC insurance premium rate:
If your downpayment is less than 20% of the cost of your house, you will need
mortgage insurance (like CMHC). For most buyers, if you have at least a 20%
downpayment, there will be no CMHC insurance premium.
%
CMHC insurance premium amount:$
8% PST on your CMHC insurance premium:$
Mortgage Amount:$
Your total mortgage:$
Payment per period:$
Sum of payments:$
Interest cost:$
MONTHLY HOME COSTS CALCULATOR
MONTHLY HOME COSTS CALCULATOR
Your Monthly Mortgage Payment
If you don't know your monthly mortgage payment, use our online calculator.
Click here
Your Annual Property Taxes
Your Monthly Heating Cost
Use an Estimated Cost
Your Monthly Hydro Cost
Use an Estimated Cost
Your Monthly Water and Sewage Cost
Use an Estimated Cost
Other House Related Costs You Know Of
Average Per Month
Your monthly property taxes:$
Total monthly minimum home ownership costs:$
This is the minimum you can plan to spend each month just for owning your new
home. It does not take into account home maintenance costs or renovation costs.
MORTGAGE CALCULATOR
MORTGAGE CALCULATOR
Purchase Price
Mortgage insurance is only available when the purchase price is below
$1,000,000.
Down Payment
What is your employement status? Employed Self-Employed
Mortgage Amount:$
Your loan to value ratio:%
CMHC insurance premium rate:
If your downpayment is less than 20% of the cost of your house, you will need
mortgage insurance (like CMHC). For most buyers, if you have at least a 20%
downpayment, there will be no CMHC insurance premium.
%
CMHC insurance premium amount:$
8% PST on your CMHC insurance premium:$
Total Mortgage Amount:$
Extended Amortization Surcharges Extended Amortization Surcharges - if you want
more than 25 years amortization period.
Add 0.20% for every 5 years of amortization beyond the 25 year mortgage
amortization period.
Calculate your monthly payment
PRIVATE MORTGAGE CLOSING COSTS CALCULATOR
PRIVATE MORTGAGE CLOSING COSTS CALCULATOR
ACTING FOR
Acting for the Mortgagor (borrower) Acting for the Mortgagee (lender)
AMOUNT OF THE LOAN
What is the total amount of your new mortgage including any insurance premiums
such as CMHC fees?
This applies when acting for a private lender only, where the loan is greather
than $50,000. And in acting for both the private lender and borrower where the
loan is equal to or less than $50,000. (Also by private lender we mean NOT a
Bank, Trust Company, Credit Union or other financial lending institution)
Fee$
Disbursement$
Statutory$
ELRSA$
Do you want to calculate the Title Insurance? Yes No
Title Insurance$
TENANCIES
If your property is a residential multi-plex made up of more than one (1) single
family residence but up to six (6) residences, please enter how many tenants
there are.
(e.g. if your property has more than six (6) single family residences, in other
words, more than six (6) apartments please contact us for a quote, otherwise
enter the number of tenants. If there are no tenants enter "0" (zero))
Fee$
TITLE INSURANCE & MORTGAGES
Will you be transfering title to a spouse?
(If you intend to transfer title to anyone other than your spouse then we will
need to treat this like a purchase as well in addition to, and depending on how
you are doing the transfer you may or may not be obligated to pay land transfer
taxes. Please call us to discuss, possible solutions.)
Yes No
Fee$
Statutory$
ELRSA$
Will this new mortgage be registered against more than one property?
(i.e. will this mortgage need to be secured against not just the property you
are refinancing but another property you own or someone has provided as
collateral security?)
Yes No
Fee$
Statutory$
ELRSA$
Title Insurance$
Will you be obtaining an additional mortgage, line of credit, bridge loan or
other form of additional financing, which we will be acting on in addition to
this mortgage? No Yes
Fee$
Statutory$
ELRSA$
Title Insurance$
Is this new second mortgage, line of credit or other form of financing, which we
will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending
institution)
Yes No
Title Insurance$
Will this new second mortgage be registered against more than one property?
(i.e. will this second mortgage need to be secured against not just the property
you are refinancing but another property you own or someone has provided as
collateral security?)
Yes No
Fee$
Statutory$
ELRSA$
Title Insurance$
SEARCHES & DUE DILIGENCE
Do you want a Property Tax Certificate ordered?
(Recommended in situations where you suspect the borrower/owner has not paid the
property taxes for a while and are uncertain of what is owed exactly.) (As the
owner they inherit all past property taxes and thus will be responsible to pay
all arears plus interest and penalties, often times its easy to loose track of
what they owe, or they may have substantially renovated or built new the
property you are lending against, thus resulting in Supplemnetary or Omitted Tax
Bills that have been recently issued or overlooked. Remember Property Taxes take
precedence over mortgages even if your mortgage was registered prior to the
property tax lien.)
Yes No
Disbursement$
Do you want a Property Information Report?
(Recommended for custom new built homes, homes that have been renovated or look
like they had some work done) (The borrower/owner inherits all active building
permits, violations, work orders and the zoning designation that apply to the
property, this could cost thousands to remedy and possibly requiring one to
retain architects, planners and lawyers as well. The letter describes what the
property is zoned for, if there are any applicable by-laws and if there is
anything active on the property (e.g. active building, heating and plumbing
notices or orders to comply, it will identify any outstanding work orders,
previous Committee of Adjustment applications or building activity, as well as
anything related. For example, outstanding workorders and open permits could
mean thousands of dollars are required to rememdy the issue, thus resulting in
lowering the marketability of the property reducing its overall value and
therefore your Loan To Value as a lender will be higher.)
Yes No
Disbursement$
Do you want a thorough Property Title Search and Off-Title Search?
(Recommended for properties that are NOT condos or subdivison homes, average
cost is $250 for simple single family dwellings, more so for larger parcels of
lands and buildings) (The borrower/owner inherits the entire history of
ownership, such as encumbrences, right-of-ways, easements and planning act
violations, most of which cannot be discovered by a simple title search of the
property only. Most lawyers will only pull title to mortgaged property, without
studying the abbuting lands bordering the property lines and their history of
ownership. These lawyers will require the borrower/owner and lender to rely on
the title insurance they ordered for you instead. This often results in an
incomplete conveyance of title, whereby a severe planning act violation resulted
in a nulliefied transfer some-time in the past, resulting in the seller never
having the right or conset to have sold the borrower/owner the property or
acquire the property himself when he did (Yes, a very scary situation). Not to
mention complications when shared laneways, driveways, access roads or paths are
never registered on title or are not exactly as they appear to be when the
borrower/owner or the lender visited the property. Often times lawyers will not
know what to look for without studying the abbuting lands and their
right-of-ways. And although the original seller may have been enjoying the use
of a neighbors driveway or lanway, it was never registered on title to either
property, and therefore can be taken away at any time. Hence often times buyers
are paying for something that can be taken away at anytime. Also title insurance
may not be that quick to help, like all insurance companies you need to first
show that the problem falls within their coverage and that you are either being
sued because of the problem or that you are able to quantify the actual dollar
value of the damages you have suffered because of the problem. This may be
extremly difficult if its a laneway the borrower/owner thought they had access
to but do not and thus need to use a different laneway that is further away from
the property to bring their car in. And although the original seller told the
borrower/owner that it can be used, they now discover that the neighbor is
building something over it. And yes it was only a matter of convenience to the
borrower/owner - something that cannot be necessarily quantified for title
insurance coverage - it may have been a significant inducement to purchasing the
property in the first place. This can now result is a lower marketability of the
property reducing its value, therefore increasing the lender's loan to value. )
Yes No
Disbursement$
Do you want a Utility Certificate?
Yes No
Disbursement$
Total Fees:$
HST (Taxes):$
Total Disbursements:$
HST (Taxes):$
Registration - Statutory*:$
Registration - ELRSA:$
HST (Taxes):$
Title Insurance:$
PST (Taxes):$
Total Costs:$
PURCHASE CLOSING COSTS CALCULATOR
PURCHASE CLOSING COSTS CALCULATOR
MONEY OR CONSIDERATION PAID ON TITLE TRANSFER
What is the consideration, monies, mortgage assumed or other amounts, paid or
assumed at the time of title transfer?
If there is consideration, monies, mortgage assumed or other amounts paid or
assumed at the time of the title transfer from the transferee to transferor
enter that amount, otherwise if there is no consideration enter zero
Fee$
Disbursement$
Statutory$
ELRSA$
Do you want to calculate the Title Insurance? Yes No
Title Insurance$
LAND TRANSFER TAXES
Province Select the province... Ontario
City Select the city... Montreal Toronto
Land Transfer Tax$
LTT Disbursement$
LTT Refund$
First-time Home Buyer
Does your property contain at least one but not more than two, single family
residences?
(i.e. is your property residential and is no more than a duplex or made up of no
more than two (2) apartments? If it’s a triplex or more or not residential (e.g.
commercial) than your answer should be no)
Yes No
TITLE INSURANCE & MORTGAGES
Is this property a condominium?
(i.e. is a condominium or does it have condominium common elements, this could
still be a townhome or low/highrise building)
Yes No
Is the property you are purchasing a NEW property from the builder who is also
the seller?
(i.e. are you buying a new build? Like a house that was recently torn down and
rebuilt, or a home in a subdivison from the original builder directly, or a new
build condominium from the builder directly)
Yes No
Fee$
Will you be obtaining a first mortgage, line of credit or other form of
financing, which we will be acting on? No Yes
Statutory$
ELRSA$
Is this new first mortgage, line of credit or other form of financing, which we
will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending
institution)
Yes No
Title Insurance$
Will this new mortgage be registered against more than one property?
(i.e. will this mortgage need to be secured against not just the property you
are refinancing but another property you own or someone has provided as
collateral security?)
Yes No
Fee$
Statutory$
ELRSA$
Title Insurance$
Will you be obtaining an additional mortgage, line of credit, bridge loan or
other form of additional financing, which we will be acting on in addition to
this mortgage? No Yes
Fee$
Statutory$
ELRSA$
Title Insurance$
Is this new second mortgage, line of credit or other form of financing, which we
will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending
institution)
Yes No
Title Insurance$
Will this new second mortgage be registered against more than one property?
(i.e. will this second mortgage need to be secured against not just the property
you are refinancing but another property you own or someone has provided as
collateral security?)
Yes No
Fee$
Statutory$
ELRSA$
Title Insurance$
SEARCHES & DUE DILIGENCE
Do you want a Property Tax Certificate ordered?
(Recommended in situations where you suspect the borrower/owner has not paid the
property taxes for a while and are uncertain of what is owed exactly.) (As the
owner they inherit all past property taxes and thus will be responsible to pay
all arears plus interest and penalties, often times its easy to loose track of
what they owe, or they may have substantially renovated or built new the
property you are lending against, thus resulting in Supplemnetary or Omitted Tax
Bills that have been recently issued or overlooked. Remember Property Taxes take
precedence over mortgages even if your mortgage was registered prior to the
property tax lien.)
Yes No
Disbursement$
Do you want a Property Information Report?
(Recommended for custom new built homes, homes that have been renovated or look
like they had some work done) (The borrower/owner inherits all active building
permits, violations, work orders and the zoning designation that apply to the
property, this could cost thousands to remedy and possibly requiring one to
retain architects, planners and lawyers as well. The letter describes what the
property is zoned for, if there are any applicable by-laws and if there is
anything active on the property (e.g. active building, heating and plumbing
notices or orders to comply, it will identify any outstanding work orders,
previous Committee of Adjustment applications or building activity, as well as
anything related. For example, outstanding workorders and open permits could
mean thousands of dollars are required to rememdy the issue, thus resulting in
lowering the marketability of the property reducing its overall value and
therefore your Loan To Value as a lender will be higher.)
Yes No
Disbursement$
Do you want a thorough Property Title Search and Off-Title Search?
(Recommended for properties that are NOT condos or subdivison homes, average
cost is $250 for simple single family dwellings, more so for larger parcels of
lands and buildings) (The borrower/owner inherits the entire history of
ownership, such as encumbrences, right-of-ways, easements and planning act
violations, most of which cannot be discovered by a simple title search of the
property only. Most lawyers will only pull title to mortgaged property, without
studying the abbuting lands bordering the property lines and their history of
ownership. These lawyers will require the borrower/owner and lender to rely on
the title insurance they ordered for you instead. This often results in an
incomplete conveyance of title, whereby a severe planning act violation resulted
in a nulliefied transfer some-time in the past, resulting in the seller never
having the right or conset to have sold the borrower/owner the property or
acquire the property himself when he did (Yes, a very scary situation). Not to
mention complications when shared laneways, driveways, access roads or paths are
never registered on title or are not exactly as they appear to be when the
borrower/owner or the lender visited the property. Often times lawyers will not
know what to look for without studying the abbuting lands and their
right-of-ways. And although the original seller may have been enjoying the use
of a neighbors driveway or lanway, it was never registered on title to either
property, and therefore can be taken away at any time. Hence often times buyers
are paying for something that can be taken away at anytime. Also title insurance
may not be that quick to help, like all insurance companies you need to first
show that the problem falls within their coverage and that you are either being
sued because of the problem or that you are able to quantify the actual dollar
value of the damages you have suffered because of the problem. This may be
extremly difficult if its a laneway the borrower/owner thought they had access
to but do not and thus need to use a different laneway that is further away from
the property to bring their car in. And although the original seller told the
borrower/owner that it can be used, they now discover that the neighbor is
building something over it. And yes it was only a matter of convenience to the
borrower/owner - something that cannot be necessarily quantified for title
insurance coverage - it may have been a significant inducement to purchasing the
property in the first place. This can now result is a lower marketability of the
property reducing its value, therefore increasing the lender's loan to value. )
Yes No
Disbursement$
Do you want a Utility Certificate?
Yes No
Disbursement$
Total Fees:$
HST (Taxes):$
Total Disbursements:$
HST (Taxes):$
Registration - Statutory*:$
Registration - ELRSA:$
HST (Taxes):$
Title Insurance:$
PST (Taxes):$
Total Land Transfer Tax:$
LTT Disbursement:$
HST (Taxes):$
Total Fees and Disbursements:$
Total Land Transfer Taxes and Credits:$
Total Costs$
PURCHASE CLOSING FUNDS CALCULATOR
PURCHASE CLOSING FUNDS CALCULATOR
Purchase Price
Down Payment
Your Deposit
Your deposit with the realtor.
Are you a first-time Home Buyer? No Yes
What is your employement status? Employed Self-Employed
Province Select the province... Alberta British Columbia Manitoba New Brunswick
Newfoundland and Labrador Nova Scotia Ontario Prince Edward Island Quebec
Saskatchewan Northwest Territories Nunavut Yukon
City Select the city...
Legal fees and legal disbursements
Utility hook up fees and security deposits
If you are a first time buyer, you may have to make a security deposit with the
gas company or the hydro company or the municipality. Check with your lawyer, or
if a new home, ask your builder.
Property tax adjustment
Ask your lawyer for an estimate. Many people choose a specific date each month
for their regular monthly mortgage payment, but the closing date falls on some
other day of the month. To make all the math work, the lender will charge you a
smaller amount to pay for the stub period between the closing date and the date
of your first payment.
Mortgage adjustment payment
Depends when your mortgage payments will be paid each month, relative to your
closing date - you may need to make a mini payment
Moving and packing costs
Other costs you know about
Remaining Down Payment Amount:$
PST on CMHC Insurance Premium:$
Land Transfer Tax:$
Land Transfer Tax Rebate:$
All Additional Costs:$
Total of All Expected Closing Costs:$
This is the estimate of how much you will need to close your purchase over and
above the deposit you already made with your real estate agent.
REFINANCE CLOSING COSTS CALCULATOR
REFINANCE CLOSING COSTS CALCULATOR
REFINANCE AMOUNT
What is the total amount of your new mortgage including any insurance premiums
such as CMHC fees?
This applies for when acting for both the lender and you in a conventional
refinance with a bank or other institutional lender.
Fee$
Disbursement$
Statutory$
ELRSA$
Do you want to calculate the Title Insurance? Yes No
Title Insurance$
TENANCIES
If your property is a residential multi-plex made up of more than one (1) single
family residence but up to six (6) residences, please enter how many tenants
there are.
(e.g. if your property has more than six (6) single family residences, in other
words, more than six (6) apartments please contact us for a quote, otherwise
enter the number of tenants. If there are no tenants enter "0" (zero))
Fee$
TITLE INSURANCE & MORTGAGES
Will you be transfering title to a spouse?
(If you intend to transfer title to anyone other than your spouse then we will
need to treat this like a purchase as well in addition to, and depending on how
you are doing the transfer you may or may not be obligated to pay land transfer
taxes. Please call us to discuss, possible solutions.)
Yes No
Fee$
Statutory$
ELRSA$
Is this new first mortgage, line of credit or other form of financing, which we
will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending
institution)
Yes No
Title Insurance$
Will this new mortgage be registered against more than one property?
(i.e. will this mortgage need to be secured against not just the property you
are refinancing but another property you own or someone has provided as
collateral security?)
Yes No
Fee$
Statutory$
ELRSA$
Title Insurance$
Will you be obtaining an additional mortgage, line of credit, bridge loan or
other form of additional financing, which we will be acting on in addition to
this mortgage? No Yes
Fee$
Statutory$
ELRSA$
Title Insurance$
Is this new second mortgage, line of credit or other form of financing, which we
will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending
institution)
Yes No
Title Insurance$
Will this new second mortgage be registered against more than one property?
(i.e. will this second mortgage need to be secured against not just the property
you are refinancing but another property you own or someone has provided as
collateral security?)
Yes No
Fee$
Statutory$
ELRSA$
Title Insurance$
SEARCHES & DUE DILIGENCE
Do you want a Property Tax Certificate ordered?
(Recommended in situations where you suspect the borrower/owner has not paid the
property taxes for a while and are uncertain of what is owed exactly.) (As the
owner they inherit all past property taxes and thus will be responsible to pay
all arears plus interest and penalties, often times its easy to loose track of
what they owe, or they may have substantially renovated or built new the
property you are lending against, thus resulting in Supplemnetary or Omitted Tax
Bills that have been recently issued or overlooked. Remember Property Taxes take
precedence over mortgages even if your mortgage was registered prior to the
property tax lien.)
Yes No
Disbursement$
Do you want a Property Information Report?
(Recommended for custom new built homes, homes that have been renovated or look
like they had some work done) (The borrower/owner inherits all active building
permits, violations, work orders and the zoning designation that apply to the
property, this could cost thousands to remedy and possibly requiring one to
retain architects, planners and lawyers as well. The letter describes what the
property is zoned for, if there are any applicable by-laws and if there is
anything active on the property (e.g. active building, heating and plumbing
notices or orders to comply, it will identify any outstanding work orders,
previous Committee of Adjustment applications or building activity, as well as
anything related. For example, outstanding workorders and open permits could
mean thousands of dollars are required to rememdy the issue, thus resulting in
lowering the marketability of the property reducing its overall value and
therefore your Loan To Value as a lender will be higher.)
Yes No
Disbursement$
Do you want a thorough Property Title Search and Off-Title Search?
(Recommended for properties that are NOT condos or subdivison homes, average
cost is $250 for simple single family dwellings, more so for larger parcels of
lands and buildings) (The borrower/owner inherits the entire history of
ownership, such as encumbrences, right-of-ways, easements and planning act
violations, most of which cannot be discovered by a simple title search of the
property only. Most lawyers will only pull title to mortgaged property, without
studying the abbuting lands bordering the property lines and their history of
ownership. These lawyers will require the borrower/owner and lender to rely on
the title insurance they ordered for you instead. This often results in an
incomplete conveyance of title, whereby a severe planning act violation resulted
in a nulliefied transfer some-time in the past, resulting in the seller never
having the right or conset to have sold the borrower/owner the property or
acquire the property himself when he did (Yes, a very scary situation). Not to
mention complications when shared laneways, driveways, access roads or paths are
never registered on title or are not exactly as they appear to be when the
borrower/owner or the lender visited the property. Often times lawyers will not
know what to look for without studying the abbuting lands and their
right-of-ways. And although the original seller may have been enjoying the use
of a neighbors driveway or lanway, it was never registered on title to either
property, and therefore can be taken away at any time. Hence often times buyers
are paying for something that can be taken away at anytime. Also title insurance
may not be that quick to help, like all insurance companies you need to first
show that the problem falls within their coverage and that you are either being
sued because of the problem or that you are able to quantify the actual dollar
value of the damages you have suffered because of the problem. This may be
extremly difficult if its a laneway the borrower/owner thought they had access
to but do not and thus need to use a different laneway that is further away from
the property to bring their car in. And although the original seller told the
borrower/owner that it can be used, they now discover that the neighbor is
building something over it. And yes it was only a matter of convenience to the
borrower/owner - something that cannot be necessarily quantified for title
insurance coverage - it may have been a significant inducement to purchasing the
property in the first place. This can now result is a lower marketability of the
property reducing its value, therefore increasing the lender's loan to value. )
Yes No
Disbursement$
Do you want a Utility Certificate?
Yes No
Disbursement$
Total Fees:$
HST (Taxes):$
Total Disbursements:$
HST (Taxes):$
Registration - Statutory*:$
Registration - ELRSA:$
HST (Taxes):$
Title Insurance:$
PST (Taxes):$
Total Costs:$
SALE CLOSING COSTS CALCULATOR
SALE CLOSING COSTS CALCULATOR
SALE PRICE
What is the total sale price and all consideration you are receiving to sell
your property to the buyer?
When you retain us for your closing we will review and request
amendments/changes to your Agreement of Purchase and Sale at no charge. Yes,
that's for Free!
Fee$
Disbursement$
Law Society Transaction Levy:$
TENANCIES
If your property is a residential multi-plex made up of more than one (1) single
family residence but up to six (6) residences, please enter how many tenants
there are.
(e.g. if your property has more than six (6) single family residences, in other
words, more than six (6) apartments please contact us for a quote, otherwise
enter the number of tenants. If there are no tenants enter "0" (zero))
Fee$
TITLE MATTERS
Will you be requiring us to make any corrections on titles?
Most likely not if the lawyer you used to purchase your property had addressed
all possible issues and since then there have been no unexpected title matters,
if you are not sure we will let you know once we begin work or hear from the
purchaser's lawyer as to their findings.
Yes No
Fee$
Statutory$
ELRSA$
Are there any non-arm's length mortgages from your family members or similar
that would require us to to discharge/remove the mortgage from title?
(i.e. not a mortgage from a Bank, Trust Company, Credit Union or other financial
lending institution or private lender for which you were dealing with at arm's
length)
Yes No
Fee$
Statutory$
ELRSA$
Total Fees:$
HST (Taxes):$
Total Disbursements:$
HST (Taxes):$
LSUC Levy:$
HST (Taxes):$
Registration - Statutory*:$
Registration - ELRSA:$
HST (Taxes):$
Total Costs:$
TITLE INSURANCE CALCULATOR
TITLE INSURANCE CALCULATOR
PURCHASE PRICE
What is the total amount including any insurance premiums such as CMHC fees?
TRANSACTION TYPE
Select the transaction type. Purchase Refinance Title Transfer Private Mortgages
Is this property a condominium?
(i.e. is a condominium or does it have condominium common elements, this could
still be a townhome or low/highrise building)
No Yes
Is the property you are purchasing a NEW property from the builder who is also
the seller?
(i.e. are you buying a new build? Like a house that was recently torn down and
rebuilt, or a home in a subdivison from the original builder directly, or a new
build condominium from the builder directly)
Yes No
MORTGAGE
Will you be obtaining a mortgage? Yes No
Title Insurance Premium:$
Title Insurance Tax:$
Total Title Insurance Amount:$
TITLE TRANSFER CLOSING COSTS CALCULATOR
TITLE TRANSFER CLOSING COSTS CALCULATOR
MONEY OR CONSIDERATION PAID ON TITLE TRANSFER
What is the consideration, monies, mortgage assumed or other amounts, paid or
assumed at the time of title transfer?
If there is consideration, monies, mortgage assumed or other amounts paid or
assumed at the time of the title transfer from the transferee to transferor
enter that amount, otherwise if there is no consideration enter zero
Fee$
Disbursement$
Statutory$
ELRSA$
Do you want to calculate the Title Insurance? Yes No
Title Insurance$
LAND TRANSFER TAXES
Province Select the province... Ontario
City Select the city... Montreal Toronto
Land Transfer Tax$
LTT Disbursement$
LTT Refund$
First-time Home Buyer
TITLE INSURANCE & MORTGAGES
Do you have a first mortgage, line of credit or other form of financing
currently on title that you will need to maintain title insurance coverage for
the lender? No Yes
Is this new first mortgage, line of credit or other form of financing, which we
will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending
institution)
Yes No
Title Insurance$
Will this new mortgage be registered against more than one property?
(i.e. will this mortgage need to be secured against not just the property you
are refinancing but another property you own or someone has provided as
collateral security?)
Yes No
Title Insurance$
Will you be obtaining an additional mortgage, line of credit, bridge loan or
other form of additional financing, which we will be acting on in addition to
this mortgage? No Yes
Title Insurance$
Is this new second mortgage, line of credit or other form of financing, which we
will be acting on from a private lender?
(i.e. not a Bank, Trust Company, Credit Union or other financial lending
institution)
Yes No
Title Insurance$
Will this new second mortgage be registered against more than one property?
(i.e. will this second mortgage need to be secured against not just the property
you are refinancing but another property you own or someone has provided as
collateral security?)
Yes No
Title Insurance$
Total Fees:$
HST (Taxes):$
Total Disbursements:$
HST (Taxes):$
Registration - Statutory*:$
Registration - ELRSA:$
HST (Taxes):$
Title Insurance:$
PST (Taxes):$
Total Land Transfer Tax:$
LTT Disbursement:$
HST (Taxes):$
Total Fees and Disbursements:$
Total Land Transfer Taxes and Credits:$
Total Costs$
We provide clients with timely, accurate and responsible advice in matters that
range from real estate to securities law. Our firm is dedicated to providing
unparalleled service to all of our clients.
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Toronto, Ontario
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HOURS
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