Provincial Taxes and Benefits

All the Canadian area-specific fees, taxes and rebates in one place.

Whether it's your first home or next home — check out the list for what may impact you. Please note that these details are subject to change (we'll do our best to keep it updated).

Jump to Province

Alberta British Columbia Manitoba New Brunswick Newfoundland & Labrador Northwest Territories Nova Scotia Nunavut Ontario Prince Edward Island Québec Saskatchewan Yukon

Every (home-buying) dollar counts.

Along with the closing costs involved in buying your home, there are provincial or municipal charges to think about.

There may also be support available — many (but not all) provinces offer the opportunity to get a tax credit or rebate (in addition to federal ones), depending on eligibility and home price.

First-time buyers often have the most rebates available. Check the list, then talk to a friendly True North Mortgage for your specific details.

Alberta

Taxes or Fees

Land Title Transfer Fee

5% GST on New Builds

Rebates or Benefits

None

Notes

Standardized document: AREA Residential Purchase Contract

British Columbia

Taxes or Fees

5% GST on New Builds

Property Transfer Tax

Non-Resident Transfer Tax

Provincial Home Flipping Tax

Rebates or Benefits

FTHB Exemption

Newly Built Home Exemption

First Nations Exception

BC Home Owner Grant

Notes

Notary accepted for real estate purchase.

Manitoba

Taxes or Fees

5% GST on New Builds

Land Transfer Tax

Rebates or Benefits

Rural Homeownership Program

Notes

Land Titles Office may allow a person entitled to administer oaths to witness the transfer without swearing an affidavit of execution (case-by-case basis).

New Brunswick

Taxes or Fees

5% GST on New Builds

Real Property Transfer Tax

Rebates or Benefits

Home Ownership Program

Newfoundland & Labrador

Taxes or Fees

Registration of Deeds Fee

5% GST on New Builds

Rebates or Benefits

None

Northwest Territories

Taxes or Fees

Land Title Fees

5% GST on New Builds

Rebates or Benefits

None

Nova Scotia

Taxes or Fees

Non-Resident Deed Transfer Tax

5% GST on New Builds

Rebates or Benefits

6-Month Exemption for NRDTT

Other Exemptions

FTHB Rebate on Newly Built Home

Down Payment Assistance Program

Nunavut

Taxes or Fees

5% GST on New Builds

Land Title Tariff Fees

Rebates or Benefits

None

Ontario

Taxes or Fees

5% GST on New Builds

8% PST on Default Insurance

Land Transfer Tax

Non-Resident Speculation Tax

Municipal Land Transfer Tax (Toronto only)

Rebates or Benefits

FTHB Refund

FTHB Rebate (Toronto only)

Other Rebates (Toronto only)

Prince Edward Island

Taxes or Fees

5% GST on New Builds

Real Property Transfer Tax

Rebates or Benefits

FTHB Exemption

Other Exemptions

Down Payment Assistance Program

Quebec

Taxes or Fees

5% GST on New Builds

9% PST on Default Insurance

Property Transfer Duties (Welcome Tax)

Rebates or Benefits

Home Buyers' Tax Credit

Other Exemptions

Home Buyer Assistance (Montreal only)

Notes

Must use a notary, not a lawyer.

There is a legal warranty against latent defects, meaning compensation can be granted to the buyer (after the home is sold) for significant hidden defects.