Privacy Policy
Privacy Policy
We understand the power that the Internet holds for changing your life and making things easier for you. These benefits are at risk if people are concerned about their personal privacy. We are committed to providing you with an Internet experience that respects and protects your personal privacy choices and concerns.
In general, we gather information about all of our users collectively. We only use such information anonymously and in the aggregate. This information helps us determine what is most beneficial for our users, and how we can continually create a better overall experience for you.
Email Links
This site provides an email address link located on the Contact Us page so that you may email us directly with any questions or comments you may have. This site reads all messages received and makes efforts to respond promptly.
In addition to replying to your comment or inquiry, we may also file your email for future reference regarding improvements to our website or discard the information. Your personal information is not shared, traded, sold, or exchanged with any third parties without your express permission.
Information Collection and Use
This site is the sole owner of the information collected. We will not sell, share, trade, or rent this information to others in ways different from what is disclosed in this statement.
This site collects information from our users at several different points on our website. We only collect personal information necessary to effectively market and sell the property of sellers, to locate, assess, and qualify properties for buyers, and to otherwise provide professional services to clients and customers.
We do not sell, trade, transfer, rent, or exchange your personal information with anyone.
Free Evaluation Form / Find Your Dream Home
Did You Know? / Free Real Estate Reports
Since this site is a real estate site, we give you the option of requesting free real estate information about real estate properties. Your personal information is stored on our secure database.
We only collect personal information necessary to effectively market and sell the property of sellers, to locate, assess, and qualify properties for buyers, and to otherwise provide professional services to clients and customers.
We do not sell, trade, transfer, rent, or exchange your personal information with anyone.
Personal Information
This site functionality requires or requests users to give us contact information, such as their email address, and personal information, such as their names, addresses, phone numbers, and property details.
The visitor’s contact and personal information is used to contact the visitor when necessary and requested, but is primarily used to collect personal information necessary to effectively market and sell the property of sellers, to locate, assess, and qualify properties for buyers, and to otherwise provide professional services to clients and customers.
We do not sell, trade, transfer, rent, or exchange your personal information with anyone.
We do not disclose information about your individual visits to this site, or personal information that you provide, such as your name, address, email address, telephone number, etc., to any outside parties, except when we believe the law requires it.
Legal Disclaimer
We may disclose personal information when required by law, or in the good-faith belief that such action is necessary in order to conform to the edicts of the law, or comply with a legal process served on our website.
Opt-Out
Users of this site have the option to unsubscribe from our mailing list directly through their accounts. To opt out, please navigate to the Subscription Settings located under My Account.
By disabling the email or SMS notification toggle, you’ll cease to receive notifications associated with the selected options.
Links
This site contains links to other sites. These sites have their own policies and practices with respect to online privacy, and this site cannot be responsible for the privacy practices, or the content, of these websites.
In addition, in certain instances, this site’s advertisers may ask you for personal information. This site cannot be responsible for the privacy practices of its advertisers.
Only certain employees have access to the information you provide us. For example, we impose strict rules on our employees who have access either to the databases that store user information, or to the servers that host our services.
While we cannot guarantee that loss, misuse, or alteration to data will not occur, we try to prevent such unfortunate occurrences.
Notification of Changes
This policy may be revised over time as new features are added to the website. We’ll post those changes so that you’ll always know what information we gather, how we might use that information, and whether we’ll disclose it to anyone.
Please check this site for information about revisions to our privacy policy. We’ll notify you directly if there is a material change in our privacy practices.
We’ll take commercially reasonable measures to obtain written or active email consent from the user if this site is going to use the information collected from the user in a manner different from that stated at the time of collection. We’ll also post the changes in our privacy statement 10 days prior to a change.
Cookies
This website uses the following cookies:
Google Analytics
This cookie allows us to see information on user website activities, including, but not limited to, page views, source, and time spent on websites. The information is depersonalized and is displayed as numbers, meaning it cannot be tracked back to individuals.
This will help to protect your privacy. Using Google Analytics, we can see what content is popular on our website, and strive to give you more of the things you enjoy reading and watching.
Google AdWords
Using Google AdWords code, we’re able to see which pages helped lead to contact form submissions. This allows us to make better use of our paid search budget.
Removal of and Access to Personal Information
We’ll accommodate the deletion of any personal information as soon as reasonably possible.
Should you wish to request erasure of personal data, please submit a written request to Macedo Real Estate Group, addressed to the address listed below. Each request will be validated, and you’ll be required to provide some personal information for security reasons.
Please note that Macedo Real Estate Group has the right to deny a request and provide an explanation as to why each request was denied.
Macedo Real Estate Group
www.MacedoRealEstateGroup.com
110 Weston Road
Toronto, ON M6M0A6
Canada
[email protected]
416-535-5000
Privacy Questions
If you have any questions regarding our privacy policy, please send us an email, and we’ll be pleased to assist.
Royal LePage® Supreme Realty, Brokerage
110 Weston Road
Toronto, ON M6N 0A6
Call 416-535-8000
Text 647-931-5151
Copyright 2026. Macedo Real Estate Group, Danny Macedo, Sales Representative, Anthony Rocco Macedo, Sales Representative, Royal LePage Supreme Realty, Brokerage all rights reserved assumes no responsibility for the accuracy of any information shown. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose.
Elite Broker Blogs
━━━━━━━━
What Closing Costs to Expect When You Buy in the GTA
The price on the listing is not the price you pay
Every buyer budgets for the purchase price. Most also account for the deposit, which their solicitor holds in trust until closing. What catches people off guard is the collection of costs that arrive on closing day, on top of the purchase price, with no room to negotiate them down.
This is not a reason to panic. It is a reason to plan. If you know these costs exist before you start looking, you can build them into your budget from the beginning rather than scrambling to find the money in the final week.
Land transfer tax
Ontario charges a provincial land transfer tax on every property purchase. The tax is calculated on a sliding scale that increases with the purchase price. If the property is within the City of Toronto, there is an additional municipal land transfer tax on top of the provincial one. The two combined can add tens of thousands of dollars to your closing costs, depending on the purchase price.
First-time buyers may qualify for rebates on both the provincial and municipal land transfer tax. The eligibility rules and rebate amounts are set by the province and the city respectively, and your solicitor will confirm what applies to your situation. Do not assume you qualify. Ask, and get the answer in writing before you make an offer.
Legal fees and disbursements
Your solicitor handles the title search, the registration of the transfer, the mortgage documents if you are financing, and the trust account that holds your deposit. Their fee covers the legal work. Disbursements are the out of pocket costs they pay on your behalf during the process, things like title insurance, registration fees, and courier charges.
Title insurance is not optional if you have a mortgage. Your lender will require it. It protects the lender against title defects, and most policies also protect you. The cost is a one-time premium paid at closing, typically a few hundred dollars.
Get a quote from your solicitor early. Not after you have made an offer. Before. The quote should include both the fee and the estimated disbursements so you are not surprised on closing day.
Home inspection
A home inspection is not a closing cost in the strict sense because you pay for it before closing, usually during the condition period. But it is money you spend as part of buying, and it is worth budgeting for.
A standard inspection on a detached house in the GTA runs several hundred dollars. Older homes, larger homes, or homes with wells, septic systems, or pools may cost more. The inspection report is yours regardless of whether the deal closes, so if you walk away, the cost stays with you.
Adjustments
On closing day, your solicitor calculates adjustments between you and the seller. These cover prepaid expenses that the seller has already paid past the closing date. Property taxes are the most common. If the seller has paid the full year's taxes and you are closing in July, you reimburse them for the portion covering August through December.
Utility deposits and prepaid services work the same way. If the seller has a rented water heater or furnace, confirm whether that contract transfers to you or whether you need to arrange your own. Rental contracts that transfer mean you take over the payments, and that is a recurring cost, not a one-time one.
Mortgage insurance
If your down payment is less than 20 per cent of the purchase price, your lender is required to insure the mortgage through CMHC, Sagen, or Canada Guaranty. The insurance premium is calculated as a percentage of the mortgage amount and is usually added to the mortgage itself, so you do not pay it out of pocket on closing day. But it does increase your total borrowing, your monthly payment, and the interest you pay over the life of the loan. Ask your mortgage broker to show you the numbers both ways, with and without insurance, so you understand the real difference.
What to do with this list
Add it up before you start looking, not after you find something you want. Your mortgage pre-approval tells you what the lender will lend. It does not include closing costs. If you are approved for a certain amount and your closing costs are going to run into the tens of thousands, that money needs to come on top of your down payment, not instead of it.
Your solicitor, your mortgage broker, and your agent should all be able to help you estimate these numbers for your specific price range and situation. Ask all three. If the estimates are wildly different, that tells you something worth knowing before you go any further.
If you want to walk through the numbers for your situation, call me at 416-560-4983.
