Moving from Toronto to London, Ontario: what changes when you buy?

The first thing that changes is the tax: London has no municipal land transfer tax, so a buyer who would pay Ontario's and Toronto's taxes in Toronto pays only Ontario's here, about half. London is a city of 422,324 (2021 census) at the junction of Highways 401 and 402, with VIA Rail service toward Toronto. Start with what your budget buys, neighbourhood by neighbourhood.

By Rob and George Georgopoulos, 6 min read, Updated

The London skyline above the tree canopy of the Thames valley, seen from the west

How much land transfer tax do I save?

Toronto charges its own municipal land transfer tax on top of Ontario's, at matching rates up to $2 million. London does not.

Land transfer tax, before any first-time buyer refunds
PriceIn London (Ontario only)In Toronto (Ontario + municipal)
$600,000$8,475$16,950
$800,000$12,475$24,950
$1,000,000$16,475$32,950
Toronto's municipal rates match Ontario's up to $2,000,000. First-time buyers: Ontario refund up to $4,000; Toronto rebate up to $4,475.

What does my budget buy in London?

Open What your budget buys, enter your number, and every London neighbourhood lights up by how many homes are listed at or under it today. You can also compare the median asking price in each neighbourhood.

How connected is London to Toronto?

London sits at the junction of Highways 401 and 402. London station is a VIA Rail interchange on the Toronto-Windsor and Toronto-Sarnia routes.

How do I plan the move?

  1. Price your Toronto home. Your agent there gives you the sale range; it sets your London budget.
  2. Get pre-approved. Send a pre-approval request and know your ceiling.
  3. Shortlist neighbourhoods. Tell us how you live and we will narrow the map with you.
  4. One trip, many showings. We line up a day of viewings so you see the shortlist in one visit.
  5. Align the closings. We coordinate dates with your Toronto sale so you move once.

Before you move ahead

  • Run the land transfer tax difference for your price.
  • Open the budget map with your number.
  • Shortlist three neighbourhoods before your first visit.
  • Plan both closings on the same or close dates.

General information for Ontario buyers and sellers, current as of September 26, 2026. It is not legal, tax or financial advice. Rules and rates change, so confirm the details for your own purchase or sale with your lawyer, lender or accountant.

From clients who have been there

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Garry Shortt

We coming up 6 years that we moved to StThomas. Rob was very accommodating with us and very helpful. The house we sold in Orangeville was a stressful time. Rob knows south western Ontario very well, we looked at a number of homes and he was always available to us. To this day we keep in touch Rob. Garry Shortt

Read more of Garry Shortt's review

Matthew Kerr

We had the pleasure of working with Rob to sell our home in London, ON, and the experience was exceptional. From day one, Rob demonstrated professionalism and a deep understanding of the local real estate market. Thanks to his expertise, our home was sold within a single day of being listed! With the tight timeline and the complexities of a military relocation, Rob went above and beyond to support us, making the entire process smooth and stress-free. His expertise and attention to detail were invaluable. We highly recommend Rob for any real estate needs!

Read more of Matthew Kerr's review

Quick answers

Is there a municipal land transfer tax in London?

No. Buyers pay Ontario land transfer tax only.

Can I take the train from London to Toronto?

Yes. VIA Rail serves London on its Toronto-Windsor and Toronto-Sarnia routes.

Can you help if I am still in Toronto?

Yes. We regularly work with out-of-town clients by phone and video, and line up viewings for your visits.

Buying, selling, or just curious?

Call Rob or George directly, or send a message and one of them will get back to you. A home evaluation is free and prepared by a person, never a formula.