What, if any, hidden costs are associated when buying a mini home?

At Havill’s we try not to hide costs. Home buying does require an initial investment up front, but when looking at a newly constructed mini home, this is made a little easier for you. With pre-existing homes, you have your down payment requirement, your deed transfers, taxes, legal fees, agent fees etc. Once all these fees have been considered, it is not uncommon to have to put approx. 10% cash down for your home purchase. This can be quite a substantial amount of money. When considering a new home purchase, this is reduced drastically as you are going to be the first registered home owner, thereby eliminating a lot of those extra costs. With this in mind, the only out-of-pocket costs you would have are:

  • Your 5% down payment requirement
  • CMHC and the banks now require that a lawyer be involved to register your mortgage. If you use one of our partner lawyers the cost should be ~ $850+HST
  • You will have to make arrangements to move your belongings from your current home to your new home. The cost to do this will depend on the distance between your old home and the new home, and how much stuff you want to move between the homes.
  • Utility companies usually charge a fee when hooking-up your service for the first time
  • Home insurance policy will need to be in place before your mortgage is finalized

In order to avoid any unwanted surprise fees at closing, we have a comprehensive orientation package that will explain the whole process, from start to finish, including all fees/services required when purchasing a home.

Another huge benefit when considering a new home purchase vs something pre-owned, is the thousands of dollars available to you in federal and provincial government rebates. Be sure to ask one of our Professional Home Consultants how you too, can take advantage of all these incentives.


PLEASE NOTE: The health and welfare of all our customers and staff remains our top priority, and we are being diligent with our sanitization protocols.  We are taking actions to limit contact with the public, while still being there for you, our customers. With this in mind, our office is closed to walk-ins, but operating on an appointment only basis. We ask that you arrive to your pre-booked appointment wearing a mask. Masks are mandatory for staff and clients during the entirety of the visit. We offer masks & gloves at our office. Plexiglass barriers have also been installed at all of the desks.  As always, if you or someone in your household is feeling unwell and/or showing symptoms of COVID-19, we ask that you refrain from in-person appointments.   Please contact one of our Professional Home Consultants to schedule an in-person meeting. If you prefer, we do also offer virtual services for meetings, home showings and closings. All new inquiries are to be made via our office phone voicemail system (902)835-8388 or by email:   We are continuing to monitor the COVID-19 situation as it unfolds, and are working on contingencies that will ensure that our clients may continue to be served during these uncertain times.   We thank you for your understanding and we hope you stay safe & healthy. We will get through this together!   Note: This information is current as of June 29th, 2021. 
Holler Box