Land Transfer Tax Calculator Canada

Land transfer tax is a one-time tax a buyer pays when a property changes hands, and it is one of the largest costs of closing on a home. How much you pay depends on where you buy: some provinces charge a tiered percentage of the price, some a flat rate, and several charge only registration fees. This calculator covers every province and territory, including the first-time homebuyer rebates, the tax for foreign buyers and Toronto’s municipal tax. Land transfer tax is a key part of home affordability and of total closing costs.

Land Transfer Tax by Province

Choose your province or territory for a calculator with its own rates and rules.

Provinces with a Land Transfer Tax

• Ontario land transfer tax: tiered rates from 0.5% to 2.5%, with a first-time buyer refund of up to $4,000.
• Toronto municipal land transfer tax: charged on top of the Ontario tax inside the city, with combined first-time buyer rebates of up to $8,475.
• British Columbia property transfer tax: tiered rates from 1% to 3%, plus 2% on residential value above $3,000,000; first-time buyers can be exempt on homes up to $835,000.
• Quebec welcome tax: tiered transfer duties billed by the municipality, with higher brackets in Montreal and a first-time buyer credit.
• Manitoba land transfer tax: tiered rates from 0% to 2%, with the first $30,000 exempt.
• New Brunswick transfer tax: a flat 1% of the greater of the purchase price or the assessed value.
• PEI real property transfer tax: a flat 1%, with qualifying first-time buyers fully exempt at any price.
• Nova Scotia deed transfer tax: set by each municipality, from 1% to 1.5% (Halifax is 1.5%).

Provinces and Territories with Registration Fees Only

• Alberta land title fees: no tax; transfer and mortgage registration fees of $50 + $5/$5000 of value of land.
• Saskatchewan land titles fees: no tax; a land titles transfer fee based on value plus a tiered mortgage registration fee.
• Newfoundland and Labrador registration of deeds fee: no tax; $100 plus $0.40 per $100 of value over $500, on the deed and again on the mortgage.
• Northwest Territories land titles fees: no tax; fees per $1,000 of property value and of the mortgage.
• Yukon land titles fees: no tax; flat transfer and mortgage fees by price band.
• Nunavut land titles fees: no tax; fees per $1,000 of value and of the mortgage, set by Nunavut’s own tariff.

How Land Transfer Tax Is Calculated in Canada

The amount and the method both vary by province. Most provinces that tax transfers use tiers based on the value of the home. Alberta and Saskatchewan charge no land transfer tax: Saskatchewan charges a land titles transfer fee based on the property’s value, and Alberta a land title registration fee. Nova Scotia has no provincial tax but lets each municipality charge a deed transfer tax. Newfoundland and Labrador charges a registration of deeds fee instead of a tax.

These provinces charge a land transfer tax, under these names:

• British Columbia: Property Transfer Tax (PTT)
• Manitoba: Land Transfer Tax
• Ontario: Land Transfer Tax (OLTT), plus a municipal land transfer tax for homes in Toronto
• Quebec: transfer duties, usually called the welcome tax
• New Brunswick: Real Property Transfer Tax
• Prince Edward Island: Real Property Transfer Tax

In a tiered tax, each rate applies only to the slice of the price inside its bracket, the way income tax brackets work. On a $500,000 Ontario home, the first $55,000 is taxed at 0.5%, the next slices at 1% and 1.5%, and only the part above $400,000 at 2%. The Ontario land transfer tax page works through each bracket.

Land Transfer Tax Across Provinces Compared

The tax before any first-time buyer relief, worked out from each province’s published rates. Where a province’s schedule is a fee table rather than a rate, its own page has the amounts.

The calculator at the top of this page works out the tax for any price.

First-Time Buyer Rebates and Exemptions

Several provinces reduce or remove the tax for first-time buyers, each with its own conditions:

• Ontario refunds up to $4,000 of the provincial tax, and Toronto adds its own rebate of up to $4,475 on the municipal tax.
• British Columbia exempts the first $500,000 of the price for first-time buyers of homes up to $835,000, and has a separate exemption for newly built homes.
• Prince Edward Island exempts qualifying first-time buyers in full.
• Quebec repays part of the welcome tax through a refundable credit of up to $5,875.

Manitoba, New Brunswick and Nova Scotia have no first-time buyer exemption from their transfer taxes. Each province’s page has the details, and the first-time home buyer programs page covers the federal programs.

Land Transfer Tax Exemptions

Beyond first-time buyer relief, the provinces exempt some transfers that aren’t ordinary sales. The rules differ by province and often carry conditions, so a lawyer or notary confirms whether one applies.

Spouse-to-Spouse Transfers

Other Common Exemptions

How and When Land Transfer Tax Is Paid

In every province the tax is paid in cash rather than added to the mortgage, so it belongs in the money you need on closing day alongside the down payment.

Ways to Reduce Land Transfer Tax

Land transfer tax is one of several closing costs: legal fees, title insurance, inspections, adjustments and mortgage default insurance are covered in the closing costs calculator and on each province’s closing cost page.

Ontario

Calculate the Ontario land transfer tax (OLTT) on a home purchase, with or without the first-time homebuyer refund. The tax is charged on the purchase price in tiers, so each rate applies only to the slice of the price inside its bracket. Buyers inside the City of Toronto also pay a municipal tax, covered below and on the Toronto land transfer tax page. Rates for every other province and territory are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

Ontario Land Transfer Tax Rates

The Ontario land transfer tax is calculated with a progressive tiered system based on the purchase price of the property. These rates, for properties with one or two single-family residences, took effect on January 1, 2017.

How to Calculate Ontario Land Transfer Tax

Here is the land transfer tax on a $500,000 home in Ontario, one bracket at a time.

• First $55,000 at 0.5%: $275
• The next $195,000 at 1%: $1,950
• The next $150,000 at 1.5%: $2,250
• The last $100,000 at 2%: $2,000

Total Ontario land transfer tax: $6,475, before any first-time buyer refund.

Ontario First-Time Homebuyer Refund

First-time homebuyers in Ontario can get a refund of up to $4,000 of the provincial land transfer tax, which means no provincial tax on a home priced up to $368,000. The conditions: Ontario refunds up to $4,000 of provincial land transfer tax to a first-time buyer who is at least 18, has never owned a home or an interest in one anywhere in the world (and whose spouse hasn't owned one anywhere in the world while they were the buyer's spouse), moves in as a principal residence within 9 months, and is a Canadian citizen or permanent resident (or becomes one within 18 months); with a co-buyer who doesn't qualify, the refund is limited to the qualifying buyers' share.

The refund must be applied for within 18 months of the purchase date. The province’s other first-time buyer programs, and the federal ones, are in the Ontario first-time home buyer guide.

Toronto Municipal Land Transfer Tax

A home inside the City of Toronto also pays Toronto’s municipal land transfer tax on top of the Ontario tax, and first-time buyers can get a separate municipal rebate of up to $4,475. The municipal rates, the combined total and the rebate rules are on the Toronto land transfer tax page.

Non-Resident Speculation Tax

Foreign nationals, foreign corporations and taxable trustees who buy residential property anywhere in Ontario also pay the 25% Non-Resident Speculation Tax on the purchase price, in addition to the land transfer tax. Who pays it and the exemptions are covered in taxes on Canadian property for non-residents.

Ontario Land Transfer Tax by Home Price

The provincial tax at common prices, and what a buyer who qualifies for the full $4,000 refund pays (outside Toronto):

On the same $500,000 home, Manitoba’s land transfer tax is $7,650, which is more than Ontario’s. Quebec’s welcome tax uses brackets too, but is billed by the municipality after the sale.

The tax is one part of the cost of buying. Legal fees, title insurance, adjustments and mortgage default insurance are covered in closing costs in Ontario.

Toronto

Toronto charges its own municipal land transfer tax (MLTT) on top of the Ontario provincial tax, so a home inside the city pays both. This calculator applies the Ontario land transfer tax and the Toronto MLTT together, along with both first-time buyer rebates. Buying elsewhere in Ontario, use the Ontario land transfer tax calculator, since the municipal tax applies only inside Toronto’s city limits. Every other province’s tax is on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

The calculator above defaults to “In Toronto” checked, which applies both the provincial tax and the municipal MLTT. Uncheck it to see the provincial-only amount for comparison.

How Toronto’s tax compares with Ontario’s

For homes with one or two single-family residences, the City of Toronto’s brackets up to $3,000,000 use the same thresholds and rates as Ontario’s, so on most Toronto purchases the municipal tax equals the provincial tax and the combined bill is double. Above $3,000,000 the two part ways: Ontario stays at 2.5%, while Toronto’s rates for high-value homes, as revised on April 1, 2026, climb in steps to 8.60% over $20,000,000.

Toronto land transfer tax rates

Rates are for property with one or two single-family residences; Ontario’s rates are from ontario.ca and Toronto’s from the city’s MLTT rates and fees page (rates above $3,000,000 as of April 1, 2026). For other property, such as commercial buildings or land with more than two residences, Toronto’s rate stops rising at 2.0% on the part over $400,000, so the graduated rates don’t apply.

Each MLTT transaction also carries an administration fee of $102.56 plus HST, and since January 1, 2025 foreign buyers of certain residential properties pay the city’s 10% Municipal Non-Resident Speculation Tax on the purchase price, on top of the MLTT and of Ontario’s own tax on non-resident buyers (non-resident property taxes in Canada covers both).

How much land transfer tax on a Toronto home

At TRREB’s September 2026 prices, before and after the first-time buyer rebates (the refunds are capped at $4,000 provincial and $4,475 municipal):

The GTA rows are TRREB’s averages for the whole region, shown for scale: a home of that price inside the city pays both taxes. Because each rebate is a fixed dollar cap rather than a percentage, a first-time buyer saves the same $8,475 at every price in the table.

High-value homes: Toronto’s graduated rates

First-time buyer rebates in Toronto

Toronto first-time buyers can claim both rebates:

Because each rebate applies to its own tax, a first-time buyer pays only the tax above each cap; on any home priced over $400,000 both rebates are used in full. The provincial refund’s conditions: Ontario refunds up to $4,000 of provincial land transfer tax to a first-time buyer who is at least 18, has never owned a home or an interest in one anywhere in the world (and whose spouse hasn't owned one anywhere in the world while they were the buyer's spouse), moves in as a principal residence within 9 months, and is a Canadian citizen or permanent resident (or becomes one within 18 months); with a co-buyer who doesn't qualify, the refund is limited to the qualifying buyers' share. The municipal rebate’s conditions: Toronto's municipal land transfer tax has its own first-time buyer rebate of up to $4,475 on a new or resale home, for a buyer who is at least 18, moves in as their principal residence within nine months, has never owned a home or an interest in one anywhere in the world (and whose spouse hasn't owned one anywhere in the world while they were the buyer's spouse), and is a Canadian citizen or permanent resident (or becomes one within 18 months).

Buying just outside Toronto

Because the municipal tax applies only inside Toronto’s own city limits, a buyer in a neighbouring city such as Mississauga or Brampton pays the provincial tax alone on a home at the same price. The Ontario land transfer tax page shows that amount at common prices.

Legal fees, title insurance and the other costs of buying in the city are covered in closing costs in Ontario.

Alberta

Alberta has no land transfer tax. A buyer pays two registration fees instead: one to register the transfer of the land title and one to register the mortgage, each a small base fee plus an amount that grows with the value. This calculator works out both. The provinces that do charge a percentage tax are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

Alberta Registration Fee Schedule

The fees come from the Alberta land titles fee schedule, effective October 1, 2026.

How to Calculate Alberta Registration Fees

Example: a $500,000 home with a $400,000 mortgage.

Land title transfer fee:

• Base fee: $50
• Variable: $500,000 / $5,000 = 100 units x $5 = $500
• Total land fee: $550

Mortgage registration fee:

• Base fee: $50
• Variable: $400,000 / $5,000 = 80 units x $5 = $400
• Total mortgage fee: $450

Total Alberta registration fees: $550 + $450 = $1,000

On the same $500,000 home, the Ontario land transfer tax is $6,475 and British Columbia’s property transfer tax is $8,000, before any first-time buyer relief.

Alberta Fees by Home Price

Formula: $50 base + ($5 × property value ÷ $5,000) for the land title; $50 base + ($5 × mortgage ÷ $5,000) for the mortgage registration. The mortgage column assumes a mortgage of 80% of the price.

First-Time Homebuyers in Alberta

With no land transfer tax to rebate, first-time buyers in Alberta pay the same registration fees as everyone else. The Alberta first-time home buyer guide covers the programs they can use instead.

The lawyer, title insurance and the other costs of an Alberta purchase are in closing costs in Alberta, and what Calgary homeowners pay each year is on the Calgary property tax page.

Manitoba

Calculate the land transfer tax on a home purchase in Manitoba. Manitoba taxes the property’s fair market value in tiers, from 0% on the first $30,000 to 2% on the value above $200,000. The land transfer tax calculator for Canada has the other provinces.

Use the land transfer tax calculator on this page and choose the province.

Manitoba Land Transfer Tax Rates

How to Calculate Manitoba Land Transfer Tax

Here is the tax on a $300,000 home in Manitoba.

• First $30,000: exempt
• The next $60,000 at 0.5%: $300
• The next $60,000 at 1%: $600
• The next $50,000 at 1.5%: $750
• The last $100,000 at 2%: $2,000

Total Manitoba land transfer tax: $3,650

First-Time Homebuyers in Manitoba

Manitoba has no first-time homebuyer rebate for land transfer tax; the exempt first $30,000 is the same for every buyer. Programs for first-time buyers in Manitoba and federally are in the Manitoba first-time home buyer guide.

Manitoba Land Transfer Tax by Home Price

The effective rate climbs toward 2% as the price rises, because more of the price falls in the top bracket.

On a $500,000 home, the Ontario land transfer tax is $6,475, less than Manitoba's. To the west, Saskatchewan charges Saskatchewan land titles fees instead of a transfer tax.

Manitoba exempted mortgage insurance premiums from retail sales tax on July 1, 2020, so the premium carries no provincial sales tax there; the provinces that do tax it are listed in PST on mortgage default insurance.

Manitoba buyers also pay land titles registration fees and a lawyer; closing costs in Manitoba totals them.

Saskatchewan

Saskatchewan has no land transfer tax. Buyers pay a land titles transfer fee that is a percentage of the property’s value, plus a mortgage registration fee set in tiers by the mortgage amount, both through Information Services Corporation (ISC), the province’s land registry operator. This calculator works out both; provinces that charge a transfer tax are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

Saskatchewan land titles fee schedule

Fees from the Saskatchewan Registry Services fee table, effective April 15, 2026.

Land titles transfer fee (title or abstract transfer)

Mortgage registration fee

Mortgage registration is billed on a tiered scale by the amount of the mortgage (for up to four titles; each title beyond the fourth costs extra):

Because the transfer fee is a percentage of the whole value and the mortgage fee jumps at each tier, borrowing just over a tier boundary costs the full step: a mortgage of $500,000 pays $275, one of $500,000.01 pays $525.

How to calculate Saskatchewan fees

Saskatchewan fees by home price

Each row borrows 80% of the price, the most a buyer can borrow without default insurance. The title fee rises steadily with the price, but the mortgage fee moves only when the loan crosses a tier, which is why it stays at one amount across most of the table.

First-Time Homebuyers in Saskatchewan

A first-time buyer in Saskatchewan pays the land titles fees in full; there is no exemption. Programs that do help them, from the province and Ottawa, are listed in the Saskatchewan first-time home buyer guide.

PST on Mortgage Insurance

Saskatchewan charges its 6% PST on mortgage default insurance premiums, which is paid at closing rather than added to the mortgage. How it works, and which other provinces charge it, is in PST on mortgage default insurance.

Like Saskatchewan, Alberta charges fees rather than a tax (Alberta land title fees), while Manitoba to the east charges a Manitoba land transfer tax in brackets.

For a full budget, closing costs in Saskatchewan adds the lawyer, the inspection and the other costs.

New Brunswick

Calculate the real property transfer tax on a home purchase in New Brunswick. New Brunswick charges one flat rate of 1% on whichever is greater, the purchase price or the property’s assessed value, and the tax is paid before the deed is registered. Tiered taxes in other provinces are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

New Brunswick Land Transfer Tax Rate

Under the Real Property Transfer Tax Act, since April 1, 2016 everyone who tenders a deed for registration pays a tax of 1% of the greater of the consideration (the purchase price) for the transfer or the assessed value of the property.

How to Calculate New Brunswick Transfer Tax

Multiply the higher of the purchase price or the Service New Brunswick assessed value by the rate.

Example: a property bought for $250,000, where the assessed value on file is lower: $250,000 x 1% = $2,500

If the assessed value is the higher figure, the tax is calculated on the assessed value instead. In most sales the purchase price is the greater of the two, so the tax works out to the rate times what you paid.

The Greater of Assessed Value or Purchase Price

Because the Act taxes whichever figure is greater, the tax can’t be reduced because a property’s older assessed value is lower than what you paid: the purchase price governs then. It works the other way, with the tax based on the assessed value, only when the assessment exceeds the sale price, which can happen in a declining market or with an unusually low negotiated price.

Your lawyer confirms the assessed value before closing, so you know which figure applies. If you believe the assessment is wrong, contact Service New Brunswick; assessment disputes generally can’t delay a closing.

NB Transfer Tax by Purchase Price

This table assumes the purchase price is the greater of the price and the assessed value, as it is in most sales.

First-Time Homebuyers in New Brunswick

The tax applies to first-time buyers too, since New Brunswick offers no exemption from it. The programs a first-time buyer here can use are in the New Brunswick first-time home buyer guide.

New Brunswick’s rate is the same as the PEI real property transfer tax, which exempts first-time buyers. Nova Scotia leaves its deed transfer tax to each municipality, and Quebec charges a tiered welcome tax billed by the municipality.

The transfer tax is only part of the money needed at closing; the rest is in closing costs in New Brunswick.

Nova Scotia

Calculate the deed transfer tax (DTT) on a home purchase in Nova Scotia. Nova Scotia has no provincial land transfer tax; each municipality sets its own deed transfer tax rate, charged on the purchase price. The calculator above uses the Halifax rate of 1.5%. Other provinces’ taxes are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

Nova Scotia Deed Transfer Tax Rates

In Service Nova Scotia’s list of municipal deed transfer tax rates (July 2026), rates run from 1% to 1.5%. Some examples:

Rates change when a municipality notifies Service Nova Scotia, so confirm the rate for your area with your lawyer or the municipality before closing.

How to Calculate Nova Scotia Deed Transfer Tax

Multiply the purchase price by your municipality’s rate.

• Halifax: a $400,000 home x 1.5% = $6,000
• A municipality at the lowest listed rate: a $400,000 home x 1% = $4,000

NS Deed Transfer Tax by Home Price

First-Time Homebuyers in Nova Scotia

There is no first-time homebuyer exemption from the deed transfer tax. Nova Scotia’s own first-time buyer programs, and the federal ones, are in the Nova Scotia first-time home buyer guide.

Halifax’s rate is higher than the flat New Brunswick transfer tax and the PEI transfer tax, while Newfoundland and Labrador charges a registration of deeds fee instead of a tax.

On top of the deed transfer tax, a Nova Scotia purchase has the costs set out in closing costs in Nova Scotia.

Prince Edward Island

Calculate the real property transfer tax on a home purchase in Prince Edward Island. PEI charges a flat 1% on the greater of the purchase price or the assessed value, and a qualifying first-time homebuyer pays none of it, at any price. Other provinces’ taxes are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

PEI Land Transfer Tax Rate

Under PEI’s Real Property Transfer Tax Act, the tax is 1% of the greater of the consideration (the purchase price) or the assessed value of the property.

How to Calculate PEI Transfer Tax

• A property valued at $350,000: $350,000 x 1% = $3,500
• A property valued at $25,000: exempt, since it is at or under the $30,000 low-value threshold

PEI First-Time Homebuyer Exemption

A first-time homebuyer is fully exempt, with no maximum purchase price. The conditions: In Prince Edward Island, no real property transfer tax is payable when the buyer is a first-time home buyer who files a declaration at registration and intends to live in the home as their principal residence; the tax becomes payable if they don't live there for at least 183 consecutive days after the deed is registered. A first-time home buyer is a Canadian citizen or permanent resident who has lived in PEI for the six months before registration (or filed PEI returns in two of the last six years), has never held an interest in a principal residence and hasn't used the exemption before.

If there is more than one purchaser, all of them must qualify as first-time buyers. A purchase-price cap on this exemption (historically $200,000) existed in PEI’s regulations but was revoked in 2016, so the exemption is no longer limited by price. PEI’s other first-time buyer programs, and the federal ones, are in the PEI first-time home buyer guide.

When Is the Tax Paid?

The tax is paid when the deed is registered with the province. In practice, your real estate lawyer pays it for you at closing, and it appears as a line on your statement of adjustments (for a qualifying first-time buyer, a declaration is filed instead of a payment). Where the tax is owing, PEI doesn’t allow deferrals or payment plans; it is paid in full at closing.

PEI Transfer Tax by Home Price

A buyer who isn’t a first-time buyer pays the rate at every price above the low-value threshold.

New Brunswick’s transfer tax uses the same greater-of basis with no first-time buyer exemption, and Nova Scotia’s deed transfer tax is set by each municipality.

The lawyer’s fee and the other costs of buying on the Island are in closing costs in PEI.

Newfoundland and Labrador

Newfoundland and Labrador has no land transfer tax. The Registry of Deeds charges a registration fee on the deed instead, and the same fee structure applies when the mortgage is registered, so a buyer with a mortgage pays the fee twice. This calculator works out both; provinces that charge a transfer tax are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

Newfoundland and Labrador Fee Schedule

The Registry of Deeds prescribed fees set the same fee for registering a deed and for registering a mortgage:

For the deed the value is the property’s value; for the mortgage it is the amount the mortgage secures.

How to Calculate NL Registration Fees

The fee is $100 plus $0.40 for each $100 of value above $500, and a part of $100 counts as a whole step, so the number of steps is always rounded up.

NL Registration Fees by Home Price

The mortgage column assumes a mortgage of 80% of the price (a 20% down payment).

First-Time Homebuyers in Newfoundland and Labrador

Every buyer pays the registry’s fees, first purchase or not. What first-time buyers in the province can get instead is listed in the Newfoundland and Labrador first-time home buyer guide.

Across the Cabot Strait, Nova Scotia charges a percentage deed transfer tax set by each municipality.

Registry fees sit alongside the lawyer’s bill and other costs in closing costs in Newfoundland and Labrador.

Northwest Territories

The Northwest Territories doesn’t charge a land transfer tax. When you buy, the NWT Land Titles Office charges a fee to register the transfer, based on the property’s value, and a second fee to register your mortgage, based on the amount borrowed. The amounts per $1,000 are set in section 156 of the Land Titles Act, and the minimum fees in the Land Titles Tariff of Fees Regulations. This calculator works out both; the provinces with a transfer tax are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

NWT Land Titles Fee Schedule

Property Transfer Fee

Mortgage Registration Fee

How to Calculate NWT Land Titles Fees

Example: a $400,000 home in Yellowknife with a $320,000 mortgage.

• Transfer fee: 400 thousands x $2.00 = $800
• Mortgage fee: 320 thousands x $1.50 = $480

Total NWT land titles fees: $800 + $480 = $1,280

NWT Fees by Home Price

These assume a mortgage of 80% of the price.

First-Time Homebuyers in the NWT

The territory has no first-time homebuyer exemption from land titles fees. The federal programs open to first-time buyers in every province and territory are in first-time home buyer programs.

Nunavut, which split from the NWT in 1999, sets its own per-$1,000 fees (Nunavut land titles fees). Yukon’s land titles fees are flat amounts by price band instead.

Legal fees, inspections, property tax adjustments and mortgage default insurance are part of the closing costs of any purchase.

Nunavut

Buying a home in Nunavut costs no land transfer tax. What you pay is a pair of registration fees at the Nunavut Land Titles Office: one for transferring title, which rises with the property’s value, and one for registering the mortgage, which rises with the loan. This calculator estimates both; the provinces with a percentage tax are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

How Nunavut’s Land Titles Fees Work

Nunavut kept the Northwest Territories’ Land Titles Tariff of Fees Regulations when the two territories split in 1999, and has amended them on its own since, so its fees are now set differently from the NWT land titles fees. Under the current consolidation of Nunavut’s regulations:

The 2022 amendment to the regulations (R-033-2022) changed only the fees for copies and certificates, not these. Confirm the fee with the Nunavut Land Titles Office or your lawyer before closing, especially on a larger purchase.

Example: a Home in Iqaluit

Take a $300,000 home bought with a $240,000 mortgage:

• Title transfer: $300,000 is 300 thousands, at $1.50 each = $450
• Mortgage registration: $240,000 is 240 thousands, at $1 each = $240

The two fees together: $450 + $240 = $690

Nunavut Fees at Other Prices

Each row assumes the mortgage is 80% of the price.

First-Time Buyers in Nunavut

These fees have no first-time buyer exemption. Federal help for first-time buyers, which applies in Nunavut as everywhere else, is in first-time home buyer programs.

In the third territory, Yukon’s land titles fees are set as flat amounts for each price band rather than per $1,000.

Legal fees in Nunavut can be higher than in the south, partly because some land involves Inuit land claims that need extra due diligence. Those costs, and the rest of buying, are part of the closing costs of a purchase.

Yukon

Yukon has no land transfer tax. Under the Land Titles Act a buyer pays three kinds of fee instead: a transfer fee and a mortgage registration fee, each a flat amount for the price band it falls in, and an assurance fee when the price is higher than the property’s value at its last transfer. This calculator works out the fees; the provinces with a percentage tax are on the land transfer tax calculator for Canada.

Use the land transfer tax calculator on this page and choose the province.

Yukon Land Titles Fee Schedule

Property Transfer Fee

Mortgage Registration Fee

Assurance Fee

The assurance fee applies only when the purchase price is greater than the property’s value at its last transfer:

• $20 for the first $10,000 of additional declared value
• $10 for each additional $10,000 after that

How to Calculate Yukon Fees

Example: a $400,000 home in Whitehorse with a $320,000 mortgage.

• Property transfer fee: $150 (the $100,000 to $499,999 band)
• Mortgage registration fee: $100 (the $100,000 to $499,999 band)

Total Yukon fees: $150 + $100 = $250, plus any assurance fee.

Yukon Fees by Home Price

The mortgage column assumes a mortgage of 80% of the price. An assurance fee may apply on top if the price exceeds the last registered value.

Because the fees are flat by band, they don’t grow with each dollar of price: the transfer fee tops out at $750 even on a property worth tens of millions.

First-Time Homebuyers in Yukon

Yukon has no first-time homebuyer exemption from land titles fees. The federal programs for first-time buyers are in first-time home buyer programs.

The other two territories charge per $1,000 of value: see the NWT land titles fees and Nunavut land titles fees. Alberta’s land title fees also scale with value.

Legal fees, inspections and property tax adjustments are part of the closing costs of any purchase.

Related pages

• Can’t Pay Your Taxes? CRA Payment Arrangements and Taxpayer Relief
• Property Tax in Canada
• Closing on a Home in Canada
• Canada Tax Brackets