Commercial Closing Costs

Commercial LTT + GST/HST Calculator

Estimate your commercial land transfer tax in BC, Ontario (with Toronto MLTT) or Alberta land title fees — plus 5% GST or 13% HST with self-assessment for registered buyers.

Step 1 · Choose your province

Step 2 · Your purchase

Purchase price

$2,000,000

GST on commercial purchase

Net tax payable

$38,000

on $2,000,000 in British Columbia

British Columbia commercial breakdown

BC Property Transfer Tax$38,000

Net LTT payable$38,000

1% on first $200K · 2% on $200K–$2M · 3% on $2M–$3M · +2% additional on residential value over $3M.

GST (5%) on commercial purchase

GST (5%) on $2,000,000$100,000

Cash at closing (self-assessed)$0

GST/HST registrants self-assess on their next return and claim an offsetting input tax credit — typically zero net cash impact.

British Columbia commercial visual breakdown

Bars show each component of your closing tax bill at a glance. Negative bars are rebates that reduce what you owe.

Estimates only. Final amounts depend on legal status, residency, exemptions, GST/HST registration, and lender requirements. Confirm with your lawyer or notary.

What this calculator does that most don't

Commercial mode runs to $50M — including BC's additional 2% residential band over $3M and Toronto's luxury MLTT surtax bands (increased April 1, 2026) to $20M+
First-time-buyer and newly-built exemptions with their real phase-out ranges, not just the headline thresholds
GST/HST logic including commercial self-assessment — where a registered buyer pays $0 cash at closing and claims the input tax credit

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Last updated: June 2026. Sources: cra-arc.gc.ca (GST/HST on real property), gov.bc.ca (PTT), ontario.ca (LTT), toronto.ca (MLTT), alberta.ca (Land Titles).

Province-specific residential LTT calculators:

Related commercial tools:

Commercial LTT & GST questions, answered

Is GST charged on commercial real estate in Canada?+

Yes. Commercial real estate sales are taxable supplies under the Excise Tax Act. BC and Alberta charge 5% GST. Ontario charges 13% HST (5% federal + 8% provincial).

Do I have to pay GST/HST in cash at closing?+

If you are a GST/HST-registered buyer purchasing commercial property for use in commercial activities, you typically self-assess on your next GST/HST return and claim an offsetting input tax credit — net cash impact at closing is usually zero.

What is the commercial land transfer tax rate in Ontario?+

Non-residential Ontario LTT uses the same first four brackets as residential (0.5/1.0/1.5/2.0%) but the top bracket stays at 2% — the 2.5% over $2M bracket only applies to residential 1–2 SFR. First-time buyer rebates do not apply.

Does the BC additional 2% residential PTT apply to commercial?+

No. The additional 2% on the value over $3M is residential-only. Commercial / non-residential property pays 3% on the portion over $2M with no further surtax.

Does Toronto MLTT apply to commercial properties?+

Yes — base Toronto MLTT mirrors Ontario LTT and applies to all property types. The luxury surtax (4.4–8.6% over $3M, effective April 1, 2026) only applies to residential 1–2 SFR.