Calculate the registration of deeds fees for your home purchase in Newfoundland and Labrador. NL does not charge a land transfer tax — instead, there is a registration of deeds fee based on the property value.
Newfoundland and Labrador Fee Schedule
Newfoundland and Labrador does not charge a land transfer tax. Instead, the Registration of Deeds Act requires the following fees:
Registration of Deeds Fee (Property)
| Component | Amount |
|---|---|
| Base fee | $100 |
| Variable fee | $0.40 per $100 of value over $500 |
Registration of Deeds Fee (Mortgage)
The same fee structure applies for mortgage registration:
| Component | Amount |
|---|---|
| Base fee | $100 |
| Variable fee | $0.40 per $100 of mortgage amount over $500 |
Properties or mortgages under $500 are charged only the flat $100 fee.
How to Calculate NL Registration Fees
Example: For a $300,000 home with a $240,000 mortgage:
Property Registration Fee:
- Base fee: $100
- Variable: ($300,000 - $500) / $100 x $0.40 = $1,198
- Total property fee: $1,298
Mortgage Registration Fee:
- Base fee: $100
- Variable: ($240,000 - $500) / $100 x $0.40 = $958
- Total mortgage fee: $1,058
Total NL Registration Fees: $1,298 + $1,058 = $2,356
NL vs Other Provinces
While Newfoundland and Labrador’s fees are higher than Alberta or Saskatchewan, they are still lower than the land transfer taxes in most other provinces:
| Province | Cost on $300,000 Home |
|---|---|
| Newfoundland & Labrador | ~$2,356 (fees) |
| Ontario | $2,975 (LTT) |
| BC | $4,000 (PTT) |
| Saskatchewan | ~$1,060 (fees) |
Land Transfer Tax in Other Provinces
Land transfer tax rates and rules vary across Canada. See our Land Transfer Tax Calculator for rates in all provinces and territories.