Closing-day tax
What will Land Transfer Tax cost?
Provincial brackets plus municipal layers in Toronto and Montreal. First-time-buyer rebates applied where eligible.
Start here · Canada
Get a Canada-ready pre-approval file, not a generic quote.
We shape the file to how Canada underwriters actually read it — closing math, lender appetite, and the small regional details that decide the approval.
Inputs
Result
$7,475
Total Land Transfer Tax payable at closing
- Ontario LTT$11,475
- Ontario first-time buyer rebate-$4,000
- Ontario adds a 2% bracket on residential price above $2M.
Leverage moves
- If you qualify as a first-time buyer in Ontario or BC, claim the rebate at closing — your lawyer files it.
- Toronto and Montreal LTT is paid by the buyer; budget for it separately from down payment.
- Alberta, Saskatchewan, Yukon, NWT, and Nunavut have no LTT — only Land Titles registration fees.
Ready when you are
Turn this number into a pre-approval file.
The math is the easy part. The approval hinges on how the file is packaged — income, down payment source, credit, and property notes underwriters actually read.