Calculate your land transfer tax for any province in Canada. Get accurate estimates including first-time home buyer rebates and municipal taxes.
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Toronto Municipal Tax
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Toronto has an additional municipal land transfer tax
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Land transfer tax (LTT) is a provincial tax paid when purchasing property in Canada. The amount varies significantly by province, with some provinces like Alberta having no land transfer tax at all, while others like Ontario and British Columbia have progressive tax rates that increase with property value.
First-time home buyers may qualify for rebates or exemptions that can significantly reduce or eliminate land transfer tax. These programs vary by province:
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Ontario uses a tiered marginal system: 0.5% on the first $55,000, 1.0% from $55,001 to $250,000, 1.5% from $250,001 to $400,000, 2.0% from $400,001 to $2,000,000, and 2.5% above $2,000,000. For a $700,000 home, the provincial tax would be approximately $10,475.
Yes. Toronto is the only Ontario municipality with its own municipal land transfer tax (MLTT), which mirrors the provincial rate structure. This means Toronto buyers pay double — both provincial and municipal. A $700,000 Toronto home incurs approximately $20,950 in total land transfer taxes.
Ontario first-time buyers can claim up to $4,000 off their provincial land transfer tax (covers the full tax on homes up to $368,000). In Toronto, first-time buyers get an additional municipal rebate of up to $4,475. Combined, that's up to $8,475 in rebates.
Ontario, British Columbia, Quebec, Manitoba, New Brunswick, Nova Scotia, Newfoundland, and PEI all charge land transfer tax (sometimes called property transfer tax). Alberta and Saskatchewan do not have land transfer tax — they charge only a flat registration fee.
Generally no — land transfer tax must be paid on closing day from your own funds. However, some lenders offer cashback mortgages or closing cost programs that can help offset this expense. A mortgage broker can help you explore options to manage this cost.
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