How is it calculated?
Each province charges a land transfer tax or registration fee when title changes hands. Most are marginal: each rate applies only to the part of the price in its bracket.
What should I do with the result?
Use it to set a budget or a target rate, then let lenders bid on your actual mortgage. Bids include rate, penalty method, prepayment and fees, so you can compare the full cost.
Frequently asked questions
Which provinces have no land transfer tax?
Alberta, Saskatchewan, Newfoundland and Labrador and the territories charge registration fees instead.
MBWritten by the MortgageBids.ca editorial team. Last updated October 7, 2026. General information only; your lender confirms terms for your file.
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