No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
All closing costs calculated for Burlington Ontario buyers — LTT, legal fees, CMHC, inspection, and more. No Toronto MLTT in Halton Region.
Burlington buyers face significantly lower closing costs than Toronto buyers at equivalent prices — no Toronto MLTT applies in Halton Region. At the Burlington median of $900,000, total closing costs run approximately $17,000–$22,000 (excluding down payment). The Ontario LTT is the largest item at ~$13,475.
| Cost Item | Typical Amount | Notes |
|---|---|---|
| Ontario Land Transfer Tax | ~$13,475 on $900K | Provincial only — no Toronto MLTT |
| First-Time Buyer LTT Rebate | Up to -$4,000 | If eligible |
| Legal fees (real estate lawyer) | $1,500–$2,500 | Title search, registration, disbursements |
| Title insurance | $200–$400 | One-time cost arranged by lawyer |
| Home inspection | $500–$800 | Strongly recommended |
| Property tax adjustment | Varies | Buyer reimburses seller for prepaid taxes |
| CMHC mortgage insurance | 2.8%–4% of mortgage | If less than 200% down; added to mortgage |
| Moving costs | $1,500–$4,000 | Local Burlington move |
| Home insurance (first year) | $900–$2,000 | Required before closing |
| Estimated Total (no CMHC, FTB) | ~$13,000–$18,000 | On a $900K Burlington home |
In Burlington's competitive housing market, every dollar saved counts. KOHO gives you a no-fee bank account with cash back on groceries, gas, and transit. Use code BREMO2026 for a bonus.
Get KOHO Free — Use Code BREMO2026| Cost | Burlington ($900K) | Toronto ($900K) | Burlington Saves |
|---|---|---|---|
| Land Transfer Tax (gross) | $13,475 | $26,9500 | $13,475 |
| Legal fees | ~$2,000 | ~$2,000 | $00 |
| Inspection + title | ~$950 | ~$950 | $00 |
| Total LTT savings | ~$13,475 |