Commercial closing cost calculator
Audience: commercial investors and developers. Land transfer tax, GST/HST, commercial legal, appraisal, environmental Phase 1/2 and financing fees — all in one estimate.
Your commercial deal
Override fee estimates
- Land transfer tax$38,000
- Legal fees$8,500
- Appraisal$3,500
- Environmental Phase 1$3,500
- Financing fee (1.25% of mortgage)$17,500
Where your commercial closing cash goes
Each bar is one line item from the list above. The biggest bar is usually the one to negotiate or shop hardest.
Get your real commercial closing-cost quote
We'll give you exact legals, appraisal, financing fees and lender quotes for your specific deal — not a calculator estimate.
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- Fee schedules change by lending lane — A-insured, A-conventional, B, and private each carry their real financing, legal, and appraisal costs
- Commercial mode includes Phase 1 and Phase 2 environmental report costs — the line items that surprise first-time commercial buyers
- New-build GST with the federal New Housing Rebate phase-out ($350K–$450K) and Ontario's provincial rebate — plus when GST can be financed into a private mortgage
Common questions
What are typical commercial closing costs in Canada?+
Budget 3–5% of purchase price on most commercial deals. That covers land transfer tax (BC PTT, Ontario LTT, Alberta land title fees), commercial legal ($7,500–$10,000), appraisal ($2,500–$5,000), environmental Phase 1 ($2,500–$5,000) and lender/broker financing fees from roughly 1.25% (bank) up to 2–4% (alternative and private lanes). Phase 2 environmental adds $5,000–$15,000 when required.
Is GST or HST payable on commercial real estate?+
Yes — commercial real estate is subject to 5% GST (BC, AB) or 13% HST (Ontario). Most GST-registered buyers self-assess and remit directly to CRA instead of paying the seller at closing, which removes it from cash-to-close. Toggle the self-assessment option in the calculator to reflect this.
When is an environmental Phase 2 required?+
A Phase 2 ESA is triggered when the Phase 1 identifies a Recognized Environmental Condition — typically prior industrial use, gas stations, dry cleaners, or properties adjacent to contaminated sites. Lenders won't fund without resolving it.
Case Studies — files like this
Anonymized case studies from our files. Names and identifying details removed.
- Case study · Commercial / Business FinancingThe Branch Offered $2,000. We Arranged a $1.1M Daycare Financing Package.Its bank branch offered a $2,000 corporate-card increase. A complete commercial submission brought an approved and signed package of about $1.1 million: leasehold improvements, equipment, operating credit, business credit cards and existing debt consolidation.Read the file →
- Case study · Commercial / HealthcareFour Credit Facilities. No Client Cash Down. One Medical Clinic.A North Shore medical clinic needed real estate, leasehold and operating financing. We arranged four coordinated credit facilities with no client cash used for the down payment, and the three loans priced under 5%.Read the file →
- Case study · CommercialStructuring a Private Commercial Mortgage to Clear ~$7M in CRA Tax DebtApproved, not yet closed: a multi-layered private mortgage against the estate's real estate, applied straight to the CRA payout, clears the debt for a fraction of the alternatives and buys time to refinance into lower-cost lending once the pressure lifts.Read the file →
Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on October 15, 2026 — the arithmetic re-verified and every page re-read on screen. Rates and thresholds change — we confirm the current numbers for your file before you rely on them.