Question 1

Which provinces charge land transfer tax in Canada?

Accepted Answer

Ontario, British Columbia, Quebec, Manitoba, Nova Scotia, New Brunswick, and Prince Edward Island all charge provincial land transfer tax. Toronto also charges a municipal LTT on top of Ontario's. Alberta, Saskatchewan, Newfoundland, and the three territories do not charge LTT, though Alberta has a small title transfer fee of roughly $600.

Question 2

When is land transfer tax paid?

Accepted Answer

Land transfer tax is paid on closing day — the same day you take possession of the property. It's typically the largest single closing cost and must be paid in cash (it cannot be added to your mortgage).

Question 3

Do first-time buyers get a land transfer tax rebate?

Accepted Answer

Yes — in several provinces. Ontario rebates up to $4,000. Toronto rebates an additional $4,475. BC offers a full exemption for homes under $500,000 and a partial rebate up to $835,000. Manitoba rebates up to $3,500. PEI rebates up to $2,000.

Question 4

How much is land transfer tax in Ontario?

Accepted Answer

Ontario's LTT uses marginal rates: 0.5% on the first $55,000; 1.0% on $55,000–$250,000; 1.5% on $250,000–$400,000; 2.0% on $400,000–$2,000,000; and 2.5% above $2,000,000. On a $750,000 home, Ontario LTT is $11,475. First-time buyers can get $4,000 rebated.

Question 5

How much is land transfer tax in Toronto?

Accepted Answer

Toronto buyers pay both Ontario's provincial LTT and a Toronto municipal LTT at similar rates. On a $750,000 home, the total LTT in Toronto is approximately $22,950 ($11,475 provincial + $11,475 municipal). First-time buyers get up to $8,475 rebated ($4,000 provincial + $4,475 municipal).

Question 6

Does BC have land transfer tax?

Accepted Answer

Yes — British Columbia calls it the Property Transfer Tax (PTT). Rates are 1% on the first $200,000; 2% on $200,000–$2,000,000; 3% on $2,000,000–$3,000,000; and 5% above $3,000,000. First-time buyers purchasing homes under $500,000 are exempt, with a partial rebate up to $835,000.

Province	Tax	First-Time Rebate
Ontario	0.5% – 2.5%	Up to $4,000
Toronto (municipal)	0.5% – 2.5%	Up to $4,475
British Columbia	1% – 5%	Full (under $500K)
Québec	0.5% – 2.5%	None
Manitoba	0% – 2%	Up to $3,500
Nova Scotia	1.5% flat	None
New Brunswick	1.0% flat	None
PEI	1.0% (over $30K)	Up to $2,000
Alberta	~$600 flat fee	N/A
Saskatchewan / Others	None	N/A

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Land transfer tax by province

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