Land transfer tax (LTT) is the one-time tax the buyer pays when a property changes hands. Rates differ in every province — and Toronto and Montreal add their own. Estimate yours below, then open your province's page for the full brackets. Pair it with our mortgage calculators.
Most provinces charge land transfer tax on a sliding scale of the purchase price, paid by the buyer at closing. Ontario, BC and Quebec are the priciest; Toronto and Montreal stack a municipal tax on top. Alberta and Saskatchewan charge no LTT — only small land-title registration fees. First-time buyers can get rebates in Ontario, Toronto, BC and PEI. These are estimates — verify the exact figure with your lawyer.
Most provinces tax the purchase price in marginal brackets: a low rate on the first slice of the price, then higher rates on the portions above set thresholds — much like income tax. So the "average" rate you pay rises with the price. LTT is due at closing, is not part of your mortgage, and cannot be rolled into the loan, so budget for it in cash alongside legal fees and your down payment.
A few provinces tax the greater of the purchase price and the municipal assessed value (New Brunswick, PEI, and Quebec's roll value). Some also add non-resident surtaxes — for example Nova Scotia charges non-residents 10%, and Ontario/Toronto add speculation taxes for foreign buyers. First-time buyers can claim rebates in Ontario, Toronto, BC and PEI. Alberta and Saskatchewan skip the LTT entirely and charge only modest land-title registration fees.
Land transfer tax (LTT) is a one-time tax most provinces charge when property changes hands, usually a percentage of the purchase price using marginal brackets. The buyer pays it at closing, separate from the mortgage and down payment. Alberta and Saskatchewan charge only small land-title registration fees instead.
Alberta and Saskatchewan do not levy a land transfer tax — they charge land-title registration fees, which are far smaller. Newfoundland and Labrador charges only a modest registration-of-deeds fee (about 0.4%) rather than a percentage-based LTT.
No. Toronto adds a municipal land transfer tax on top of Ontario's, roughly doubling the bill. In Quebec, Montreal and other cities set higher upper brackets than the provincial default. In Nova Scotia the deed transfer tax is municipal and ranges from about 1% to 1.5%. Check your specific municipality.
Generally no. LTT is a closing cost paid in cash and cannot be financed into an insured mortgage. Budget for it upfront alongside legal fees, title insurance and your down payment. This is general information, not financial advice.
No. They are estimates using each jurisdiction's published 2026 marginal-rate brackets. Actual tax can differ because of assessed-value rules, non-resident surtaxes, property type, rebates and rounding. Confirm the exact amount with your real estate lawyer or the relevant government office before closing.