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How to Sell Your Home in Ontario: The Complete Guide for 2025
 

Introduction

Selling your home in Ontario can be both exciting and overwhelming—especially with varying local market conditions, provincial regulations, and real estate fees. Whether you're in Toronto, Ottawa, Mississauga, Hamilton, or a smaller Ontario town, understanding the process from start to finish is essential.

This guide walks you through how to sell your home in Ontario, covering everything from setting the right price to closing the deal, while avoiding costly mistakes.

1. Understanding the Home Selling Process in Ontario
 

Overview of the Ontario Home Selling Process

Here’s what a typical home sale in Ontario looks like:

  • Hire a realtor (or decide to sell privately)

  • Determine your home’s market value

  • Prepare and stage your home

  • List the home on MLS or other platforms

  • Review and negotiate offers

  • Accept an offer and finalize legal paperwork

  • Close the deal and hand over the keys
     

How Long Does It Take to Sell in Ontario?

In most Ontario markets, homes sell within 21 to 60 days, depending on the location and time of year. In hot areas like the GTA, homes can sell in under a week with the right pricing and staging.

2. Pricing Your Home Effectively in Ontario
 

What to Consider When Setting Your Price

  • Recent local sales (CMA)

  • City zoning and development plans

  • Seasonal demand in Ontario (spring and fall are hottest)

  • Proximity to schools, transit, and shopping centers
     

Using a Comparative Market Analysis (CMA)

Realtors in Ontario typically offer a free CMA to help you determine a competitive price. It compares your property to similar homes sold recently in your area.

3. Realtor vs. Selling By Owner (FSBO) in Ontario

Pros and Cons

Option Pros Cons
Realtor Expert in Ontario regulations, MLS access, wide exposure Commission (usually 5%, split between buyer and seller agents)
FSBO No commission fees Must handle legal paperwork, limited marketing exposure, risk of underpricing


Choosing an Ontario Realtor

  • Confirm they’re registered with RECO (Real Estate Council of Ontario)

  • Ask about experience in your city/town

  • Compare services: staging help, marketing, negotiation

  • Understand their commission structure (often 2.5% for listing agent)
     

4. Preparing Your Home for Sale
 

Ontario-Specific Staging Tips

  • Clean and declutter entryways—mudrooms are common in Ontario homes

  • Maximize natural light (many Ontario buyers prioritize this in winter months)

  • Boost curb appeal, especially in snowy seasons (shovel walkways, highlight insulation and heating)
     

Repairs and Upgrades with ROI

  • Fix drafts or heating issues (critical in cold Ontario winters)

  • Update kitchens and bathrooms

  • Add smart thermostats or energy-efficient appliances (Ontario buyers value energy efficiency)
     

5. Marketing Your Home
 

Key Marketing Channels in Ontario

  • MLS (via realtor.ca) – the go-to platform in Canada

  • Facebook Marketplace and Kijiji (widely used in Ontario towns)

  • Local Facebook Groups (e.g., “Buy/Sell in Barrie” or “Toronto Real Estate Deals”)
     

Importance of Professional Photography

Include:

  • Seasonal shots (e.g., lush backyard in spring, cozy interior in winter)

  • Virtual tours (particularly helpful for rural Ontario or cottage country properties)
     

Hosting Open Houses in Ontario

  • Typically held on weekends

  • Must follow local COVID or public health protocols, if applicable

  • Virtual open houses are growing in popularity, especially outside major cities
     

6. Negotiating and Closing in Ontario
 

Handling Offers in Ontario

  • Offers may include conditions like home inspection, financing, or sale of the buyer’s property

  • Multiple offer scenarios (“bidding wars”) are common in GTA and Ottawa

  • Your realtor can present offers on OREA standard forms, simplifying negotiations
     

Legal Documents & Closing

  • You’ll need a real estate lawyer (costs $500–$2,000)

  • Sign the Agreement of Purchase and Sale (APS)

  • Title transfer is managed through Ontario’s land registry system
     

Ontario-Specific Closing Costs

Cost Estimated Amount
Realtor Commission ~5% + HST
Legal Fees $500–$2,000
Discharge of Mortgage ~$300
Property Tax Adjustments Varies
Capital Gains Tax (if rental/investment) As per CRA rules


7. Costs of Selling a Home in Ontario
 

Breakdown of Typical Costs

  • Realtor Commission: Usually 5% total (split 2.5%/2.5%)

  • Legal Fees: $500–$2,000 depending on complexity

  • Staging and Repairs: Optional but can add value

  • Mortgage Discharge Fee: Check with your lender (ranges from $200–$500)

  • Pre-Inspection (optional): ~$400–$600
     

Don’t Forget These Hidden Costs

  • Storage or moving services

  • Professional cleaning

  • Unused utility or service cancellation fees

  • Status Certificate Fee (for condos – ~$100)
     

8. Mistakes to Avoid When Selling in Ontario
 

  • Skipping staging in competitive markets like Toronto or Ottawa

  • Overpricing based on emotion rather than data

  • Not disclosing known issues (sellers in Ontario are legally required to disclose major defects)

  • Trying to go FSBO without legal support—you may face costly legal trouble
     

Conclusion

Selling your home in Ontario isn’t just about putting up a "For Sale" sign—it’s a strategic process that requires planning, smart pricing, and market-savvy decisions. Whether you’re working with a licensed realtor or going it alone, knowing Ontario’s legal, financial, and seasonal nuances can help you succeed.

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