Mortgages for Toronto frontline workers

We hold verified pay grids for Toronto Police Service, Toronto Fire Services, Toronto Paramedic Services and Toronto Police communications staff. Buying inside the City of Toronto also means a second, municipal land transfer tax on top of the provincial one, which changes what you need on closing day.

Working in Toronto

Toronto is the one place in Ontario where the closing costs are structurally different, because the city charges its own land transfer tax on top of the province’s. Everything else about a frontline file works the same way it does anywhere in the province.

Places this covers

Toronto · Etobicoke · North York · Scarborough · East York · York

Land transfer tax here

Buying inside the City of Toronto means provincial land transfer tax and a second, municipal land transfer tax on top of it. Both are due on closing and neither can be added to the mortgage. First-time buyers can claim a refund against each. What a purchase costs to close

Pay grids in Toronto

Find yours and see where your rank sits. Checked August 28, 2026.

All employers

Employers in Toronto, top of grid pay and agreement status
Employer	Top of grid	Agreement
Toronto Police Service1st class constable	$123,679	In forceExpires Dec 31, 2029
Toronto Fire Services1st class firefighter	$109,338	In interest arbitrationPast expiry Dec 31, 2023
Toronto Paramedic ServicesLevel 3 advanced care, step 4	$51.01 / hour	In interest arbitrationPast expiry Dec 31, 2024
Toronto Police Services BoardCommunications Operator, Step 1	$40.17 / hour	In forceExpires Dec 31, 2029