The Hidden Costs of Selling Your Home in Ottawa (And How to Plan for Them)
Selling your home is one of the biggest financial transactions most people will ever make. Between preparing the property, finding the right buyer, and navigating paperwork, the process can feel overwhelming. What often catches Ottawa sellers off guard, however, are the hidden costs that appear along the way.
Being aware of these expenses before you list helps you avoid surprises and plan your budget with confidence. Here’s what you should expect — and how to prepare.
Real Estate Commission
The largest cost in most sales is the real estate commission. In Ottawa, commission is typically split between the listing brokerage and the buyer’s brokerage. While it may feel like a big number upfront, it’s important to think about what you’re getting for it.
At New Purveyors, commission doesn’t just mean putting your home on MLS. It includes professional photography, videography, and a full-scale marketing plan that covers social media, digital ads, and print materials. These tools position your home in the best light and bring in more buyers, which often results in a higher selling price. In other words: the right marketing pays for itself.
Legal Fees
Every home sale in Ontario requires a lawyer to close the deal. Your lawyer will handle the title transfer, mortgage payout, lien checks, and make sure funds move securely between parties. In Ottawa, legal fees usually range from $1,200 to $2,500, depending on the complexity of the transaction. It’s a must-have expense and one worth budgeting for early.
Repairs and Pre-Listing Prep
Before your home hits the market, small issues can turn into big red flags for buyers. A dripping faucet, cracked tiles, or worn-out paint can make buyers wonder what else hasn’t been maintained. Even modest updates — a fresh coat of neutral paint, updated lighting, or repaired baseboards — can help your home show its best.
Don’t forget about curb appeal. Ottawa buyers often decide how they feel about a property before they even step inside. Tidying the yard, power washing the exterior, and adding a few planters by the front door can create a welcoming first impression.
Cleaning Costs
A spotless home feels move-in ready, and that matters when buyers are comparing multiple properties. While some sellers tackle cleaning themselves, professional cleaning services can be worth every dollar. Appliances, windows, baseboards, and bathrooms should shine. Think of it as giving your home the “white glove treatment” before inviting buyers in.
Mortgage Penalties
If you’re selling before the end of your mortgage term, you may face prepayment penalties. The amount depends on your lender, your interest rate, and how much time remains on your term. For some sellers, this can add up to thousands of dollars.
It’s smart to call your lender early in the selling process to understand your options. In some cases, you may be able to port your mortgage to your next property, which can help reduce or avoid fees.
Moving Expenses
Once your home is sold, the final cost to plan for is moving. Professional movers in Ottawa typically charge anywhere from $100 to $200 per hour, depending on the size of your move and the distance. Even if you’re going the DIY route, costs add up quickly — think rental trucks, packing materials, and food for your helpers. Building a realistic moving budget saves stress on possession day.
Other Costs to Keep in Mind
While the above are the most common, there are a few additional expenses that can come into play depending on your situation:
Home inspection (pre-listing): Some sellers choose to provide an inspection report upfront to reassure buyers.
Storage fees: If you need to declutter or move out before closing, temporary storage may be required.
Utilities and property taxes: Remember you’ll be responsible for these until the closing date.
Final Thoughts
Selling a home in Ottawa involves more than just a “For Sale” sign on the lawn. By planning for these hidden costs — from legal fees to moving expenses — you’ll be better prepared, less stressed, and more focused on your next chapter.
At New Purveyors, we believe in setting sellers up for success with clear communication, upfront expectations, and professional marketing that helps your home shine. If you’re considering selling your home, we’d be happy to walk you through the process, step by step, so there are no surprises along the way.
