This is an estimate and we do our best to come up with the most accurate estimate possible. We charge third-party costs (courier, land title fees, etc), known as disbursements, at cost. There are no markups, and the actual costs of couriers can vary depending on the distance and type of service. Our estimate is based on average costs. The actual final costs will be billed after possession and may be lower or higher than this estimate. Please note that this estimate does not include any additional land title fees if you are adding/removing individuals from the title. Those costs vary depending on the value of the property, and what percentage ownership of the title is being transferred. We do not charge extra legal fees for a transfer alongside the refinance. You just have to pay the additional land title costs. Please note that there is a $300 surcharge each for additional work required for third-party (Computershare) mortgages that have extra requirements for the solicitor than standard lenders and short notice transactions where instructions are received less than 5 business days before closing.There is a $100 surcharge for multiple/separate signing appointments and remote/video signings due to the additional requirements by the Law Society of Alberta to complete the same.  Please note that Alberta Land Title Office has announced an increase in land title fees effective October 20, 2024, and the calculator has not been updated yet to reflect this increase.