Professional Lawyer

Real Estate Lawyer in London, Ontario — 2025 Guide

Affordable Real Estate Lawyer

Real Estate Lawyer

Residential & Commercial Real Estate​ Legal Services

Short answer: In London you’ll pay Ontario land transfer tax (LTT) on most purchases (no extra Toronto municipal LTT), plus standard closing costs (legal, registrations, title-insurance premium). Ontario closings run through mandatory electronic land registration (Teraview), and required law statements must be signed by an Ontario lawyer in good standing — that’s why a real estate lawyer handles the transfer and mortgage registration. 


What we handle for buyers & sellers
  • Purchase/Sale/Refinance closings: title search, drafting/receiving undertakings, coordinating funds, registrations, keys.
  • Title insurance: not legally required, but often recommended to reduce risk (title defects, certain fraud, survey issues).
  • Taxes & refunds: we calculate LTT and apply any first-time buyer refund at closing; we’ll flag if NRST (25%) applies.
London-specific facts
  • No municipal LTT in London (Toronto only). 
  • City tax certificate fee (for status checks) is currently $62.
Your 6-step Ontario closing (simplified)
  1. Intake & ID verification (per Law Society standards). 
  2. Title search & requisitions; confirm taxes/utilities and condo status, if applicable.
  3. Funds & insurance: arrange mortgage instructions; confirm title-insurance choice. 
  4. Electronic registration: sign completion docs; we register transfer/mortgage in Teraview. 
  5. Keys & reporting: release keys; deliver final reports and registrations. 
  6. After-close: ensure utilities/taxes are adjusted and discharges are registered, if needed.

Fees & transparency
We quote an all-inclusive legal fee for standard deals, excluding government charges (e.g., LTT and registration fees) and any optional title-insurance premium — a format aligned with Ontario advertising rules. Ask us for today’s quote. 

Talk to a real estate lawyer today — Refcio & Associates serves London and Southwestern Ontario with purchase, sale, and refinance closings.

Experienced Legal Service Lawyers For Real Estate

Professional Real Estate Legal Services

“Our estimates are good within a $100.00 price variance (as each property is unique and certain government fees may be slightly more than anticipated); however, each matter is unique and may be subject to pricing modification based on the individual circumstances. We never go beyond the aforesaid variance without first obtaining your written confirmation as we like to ensure that our clients have a considerable amount of cost certainty.”

– Rod Refcio
Representative
Rod Refcio
Senior Lawyer & CEO
Successful Outcomes with Refcio & Associates
At Refcio & Associates, we pride ourselves on providing exceptional legal services to our clients. We are dedicated to protecting their rights and achieving the best possible outcome in every case. Don’t just take our word for it. Hear from our satisfied clients themselves in our testimonials section. Read their stories and see why Refcio & Associates is the trusted choice for legal representation in London, ON.
Rod and Refcio Associates are a law firm that wants to help you. I have used and worked with Rod over the years. His underlying thoughtfulness and willingness to help you resolve your situation by listening to your concerns and then helping you remove your emotional attachment to see the clear picture is what stands him apart. Unfortunately, the law does not move as quickly and as efficiently as we would all like, but Rod takes the necessary time to make it happen. Let Rod help you help your situation.
Karl Ossenkopp
Working with Rod, Will and Valerie has been extremely straightforward. They are definitely busy but I prefer working with an office that’s in high demand. Ultimately, they got me through a challenge in a timely and cost effective manner. Thank you!
MG O
I recently used Refcio & Associates for a real estate transaction. I can’t speak highly enough about how fantastic they are to work with. Professional, courteous and responsive are three words that describe the team and experience. Give them a call, you wont be disappointed.
Brian Peski
Refcio has been absolutely amazing to work with. If you’re looking for a highly experienced and professional law firm that gets results, Refcio & Associates is fantastic. All I can say is they GET RESULTS in a timely and cost effective manner. I chose to work with Refcio & Associates after not getting results with another firm and all I can say is it is a night and day difference in quality here. I highly recommend Refcio & Associates.
Myles Olson
Excellent pricing, great communication, super accommodating. I had a great experience with a real estate transaction with Refcio and associates. I had Katharine working on my case and she was prompt, professional and did a great job. The legal fees were incredibly reasonable. Lots of stress from the bank, 0 stress from the law end of things.
Erin D
As a graduate student on a budget, Rod and the team at Refcio & Associates helped helped me in a professional manner. Rod was helpful and transparent about his process, and was generous with his time. That said, Rod is a very busy person, so don’t hesitate to reach out to him or his team again if you don’t hear back immediately.
Blair Ellis
Needed advice fairly quick, they were able to provide the guidance I needed to have a productive discussion with a company I had an employment offer from. From their advice I was able to negotiate an offer that was beneficial to myself and my future employer. Their input was not just legal but also sincere practical advice I needed to consider to avoid potential legal impacts in the future.
Drew Smith
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