Canada Property Transfer Tax 2025
Calculate land transfer tax (property transfer tax) for all Canadian provinces 2025. BC, Ontario, Quebec, Manitoba, Nova Scotia and more. First-time buyer exemptions included.
Property Details
Transfer Tax — British Columbia
Come utilizzare Canada Property Transfer Tax 2025
Enter the property purchase price
Enter the purchase price of the property. Transfer tax is calculated on the fair market value or purchase price (whichever is higher).
Select province and first-time buyer status
Transfer tax rates vary significantly by province. BC charges 1%-5%, Ontario charges 0.5%-2.5%. Alberta and Saskatchewan have no provincial transfer tax. First-time buyers get rebates in BC and Ontario.
Suggerimenti
- In Ontario, foreign buyers in the Greater Golden Horseshoe also pay a Non-Resident Speculation Tax (NRST) of 25% of purchase price — this is not included in the standard calculation.
- Quebec's "Welcome Tax" (Taxe de bienvenue / Droit de mutation immobilière) is paid within 30 days of receiving the notice from the municipality.
- Transfer tax is typically the buyer's responsibility and is not included in the mortgage — plan for it as an out-of-pocket cost at closing.
Domande frequenti
Which provinces have property transfer tax?
Most provinces have transfer tax: BC (Property Transfer Tax), ON (Land Transfer Tax — double in Toronto), QC (Welcome Tax / Taxe de bienvenue), MB, NS, NB, PEI. Alberta and Saskatchewan have no provincial transfer tax, making them more affordable for buyers.
What is Toronto's additional land transfer tax?
Toronto charges its own Municipal Land Transfer Tax (MLTT) on top of Ontario's provincial LTT, effectively doubling the transfer tax. First-time buyers in Toronto get a refund of up to $4,475 on the municipal portion.
What is BC's additional NRT?
BC charges an Additional Property Transfer Tax (APTT) of 20% on the full purchase price for foreign buyers (foreign nationals and foreign corporations) purchasing in specified Metro Vancouver, Fraser Valley, Capital Regional District zones.
What are first-time buyer exemptions?
BC: full exemption up to $500,000, partial up to $835,000. Ontario: refund up to $4,000 (covers properties under ~$368,000). Quebec: no first-time buyer exemption on Welcome Tax. Conditions vary including residency requirements and must be principal residence.