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Blue CordobaBlue CordobaRealtor® · Royal LePage Elite Realty
Blue Cordoba, Toronto realtor with Royal LePage Elite Realty

Your peace of mind is my measure of success.

Whether you want to build a relationship, move fast, or both – let's talk.

GTA closing cost calculator

Toronto is the only GTA city with its own land transfer tax – the MLTT (plus a $115.89 processing fee) applies on top of Ontario's LTT.

Last verified: 2026-07-02. Ontario LTT, Toronto MLTT (rates in force since April 1, 2026), rebate ceilings, and mortgage-insurance rules sourced from the Ontario Ministry of Finance, the City of Toronto, CMHC, and the Department of Finance. Legal, inspection, and title-insurance lines are market estimates, not regulated amounts. If you spot a stale number, let me know.

Ontario Land Transfer Tax$9,475
Toronto MLTT$9,000
MLTT admin fee$115.89
Mortgage insurance premium (rolls into mortgage)$23,715
Ontario RST on premium (8%, cash at closing)$1,897
Legal fees + disbursements$1,500 – $2,500
Home inspection$350 – $600
Title insurance (estimate)$425 – $616
Total cash at close$107,763 – $109,204

Includes your down payment + closing costs. Bring this much on closing day.

Remaining FHSA room$40,000
Remaining RRSP HBP room$60,000

Want to pressure-test these numbers against a real listing? Drop a link to it in your message.

Guides

For buyers

FHSA – the $40K registered account most buyers underuse

Placeholder. Real content: $8K/year, $40K lifetime, deductible going in, tax-free coming out, must close by December 31 of the year the account turns 15 – or the year you turn 71, whichever comes first. Worked example: 35-year-old in a 33% bracket, $40K contributed over 5 years = $13.2K tax refund alone, separate from the down payment itself.

RRSP Home Buyers' Plan after the $60K bump

Placeholder. Real content: $60K per buyer (up from $35K), 15-year repayment, what stacking FHSA + HBP actually looks like, and when not to drain your RRSP to fund a closing.

Ontario LTT + Toronto MLTT rebates – how to actually claim them

Placeholder. Real content: bracket math, $4,000 Ontario FTHB rebate, $4,475 Toronto MLTT rebate, $8,475 combined max, who counts as a “first-time buyer” (you'd be surprised), and the lawyer's role in actually applying the credit.

2026 HST relief on new builds – who it does (and doesn't) help

Placeholder. Real content: the federal first-time buyer GST removal on new builds up to $1M, partial relief to $1.5M, assignment buyer eligibility, and the resale buyer it doesn't touch.

For sellers

Pricing strategy in a buyer's market

Placeholder. Real content: list-price psychology, the trap of “testing the market” high, days-on-market signals to buyers' agents, and when a price drop is a reset vs. a tell.

Listing prep that actually moves the needle

Placeholder. Real content: the renovations that pay back vs. the ones that don't, staging that earns its cost, photography decisions that matter on the MLS thumbnail, and the cleanup checklist before showings.

Capital gains and the principal-residence exemption

Placeholder. Real content: what the principal-residence exemption covers, the rules around partial-year claims, when an income-property converts, and the forms your accountant will actually need from you.

For renters

What landlords actually look for

Placeholder. Real content: credit score thresholds, income-to-rent ratios that pass underwriting, what guarantors solve and what they don't, and how to read a posting to figure out whether you'd survive the screen.

Application-pack basics

Placeholder. Real content: the documents that should already be in a PDF before you walk into a showing, what an Equifax pull looks like, and the cover letter that beats a higher-offer applicant in a tied market.

Lease red flags

Placeholder. Real content: the clauses landlords slip in that aren't enforceable in Ontario (and why they still try), legitimate restrictions you need to take seriously, and the post-signing changes you can actually push back on.

My process

  1. Numbers session

    A 90-minute session where we map what's actually possible – the cash on hand, the registered-account room you haven't used, and the price ceiling that holds up when the bank looks at it. Or, if you're selling, the net proceeds once closing costs settle, and what that frees up for whatever comes next. No listings yet; the goal is clarity, not pressure.

  2. Real-world walk

    We pick a few neighbourhoods at your real price band and walk them in person. If you're buying, you see what the math actually buys you on the street – which is rarely what a Realtor.ca thumbnail implies. If you're selling, you see what your home is competing against, and that's a different conversation than scrolling the same listings online.

  3. The written brief

    Before every offer – yours or one you're considering – you get a one-page brief covering condition strategy, deposit, ceiling, and walk-away point. It's written down ahead of time, rather than whispered in the car on the way to the lawyer's office.

  4. Offer night

    On offer night, the walk-away number – or the lowest acceptable, if you're on the other side of the table – is decided in advance. The number doesn't move because the room is loud, or because someone at the table has a story.

  5. Post-close handoff

    After closing, we map what comes next – the HBP repayment schedule and FHSA window if you bought, the capital-gains positioning if you sold, and the lender-renewal calendar either way. It's twenty minutes that saves the panicked Google search in year three.

About me

I bring over 10yrs of experience in high-rise construction, as well as the Canadian Armed Forces. Both still shape how I work today – I look at a property twice before I tell you what I think of it, I still do napkin math; and when I'm not sure about something, I'll tell you.

Helping someone reach their next life milestone is the part of this work I love most – and outside of my family, it's why I do what I do.

Whether you're buying your first home, making an investment, trading up or down, or leaving the market entirely – you're getting a realtor who's here because he wants to be.

What clients have said

Blue — what would we have done without you! We'd just like to take a moment to express our heartfelt gratitude for the time and effort you have put into finding a new home for Anick and myself. Had it not been for your assistance and tireless work in representing us, we both believe we would have not been able to meet the deadline we were faced with. The confidence and courtesy in your personality are a positive and compelling force in your dealings with potential landlords and with ourselves as clients, introducing a calming and relaxing atmosphere in what was a very trying and stressful time. We will certainly recommend you to anyone looking for an agent.

– Anick & Hugo

Thank you so much. You were quick to get communication flowing and always super attentive to my needs. Even when I had lots of questions or concerns as someone with no idea what I was doing, you were reassuring, patient and supportive. It felt like talking to a friend, because you seem very down to earth, genuine, and that you truly want to help! I'd be glad to mention your name if ever someone needs a realtor!

– Jennifer R.

Working with Blue was such a great experience. Before I even fully knew what I wanted, he guided me through different engaging exercises that really helped me uncover what the next best step was for me. His process was not only professional but also incredibly personable and friendly, which made the whole experience enjoyable and stress-free. Blue has a unique ability to combine expertise with genuine care, and I'm so grateful for his guidance in helping me find the right fit.

– Fair G.

We had an outstanding experience working with Blue Cordoba. From start to finish, he was incredibly attentive to our needs and always made us feel like a priority. Every question was answered promptly, and timeframes were effectively met. Blue consistently went above and beyond to offer help — even before we realized we needed it. Throughout the entire process, we felt like we were being treated like family. The constant communication kept us well-informed and reassured, especially as we navigated a few challenging logistical situations. Thanks to his professionalism and dedication, what could have been a stressful process ended up being smooth and successful. Blue truly exceeded our expectations, and we're so grateful for his support.

– Richie Malicse

Reach me here

I reply to inquiries within 4 business hours.

(or reach me directly)