Dominion Lending CentresDLCG · #1 for new mortgages · $84.5B in 2025
Residential Closing Costs

Residential Land Transfer Tax Calculator

Estimate your residential land transfer tax in BC, Ontario (with Toronto MLTT) or Alberta land title registration fees. First-time buyer and newly-built rebates included.

Jump to your province
BC Property Transfer Tax →Ontario LTT + Toronto MLTT →Alberta Land Title fees →

Buying in BC? The dedicated BC Property Transfer Tax calculator adds the first-time buyer and newly-built exemptions in detail. Or use the all-province calculator right below.

Looking for total closing costs? Try the Residential Closing Cost Calculator — it includes land transfer tax plus legal, appraisal and financing fees in one number.
Step 1 · Choose your province
Step 2 · Your purchase
Step 3 · Eligibility
Net tax payable
$16,000
on $900,000 in British Columbia

British Columbia breakdown

BC Property Transfer Tax$16,000
Net LTT payable$16,000

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

British Columbia 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
Want a real plan, not just an estimate?
Send Ramin exactly what you just calculated — your scenario rides along automatically, so the first conversation starts at your numbers, not at zero.
or use the full contact form
Free personalized quote

Get your real mortgage approval amount

Calculators give estimates. We give exact numbers — based on your income, credit, and the lender most likely to say yes. Free, no obligation, same-day reply.

Get my free personalized quote

No credit pull · No spam · Reply within hours

Last updated: July 2026. Sources: gov.bc.ca (PTT), ontario.ca (LTT), toronto.ca (MLTT luxury brackets increased April 1, 2026), alberta.ca (Land Titles).

Province-specific calculators:

Related tools:

Common questions

How much is land transfer tax in BC?+

BC Property Transfer Tax is 1% on the first $200,000, 2% on $200,000–$2M, 3% on $2M–$3M, plus an additional 2% on residential value over $3M.

What is the BC first-time home buyer exemption?+

Full exemption for FMV up to $500,000. Properties from $500,001–$835,000 receive a flat $8,000 saving. The saving phases out linearly between $835,000 and $860,000.

How much is Toronto Municipal Land Transfer Tax?+

Toronto MLTT mirrors Ontario LTT brackets. For residential 1–2 single-family properties, luxury brackets apply above $3M — effective April 1, 2026 these are 4.40% $3–4M, 5.45% $4–5M, 6.50% $5–10M, 7.55% $10–20M, and 8.60% over $20M (up from the 3.5–7.5% schedule in place since Jan 1, 2024).

Does Alberta have land transfer tax?+

No. Alberta charges land title registration fees only: $50 + $5 per $5,000 of property value, plus the same on the mortgage amount (rates effective October 20, 2024).

What is the Ontario first-time home buyer rebate?+

Up to $4,000 off provincial LTT, plus an additional $4,475 off Toronto MLTT within the City of Toronto.

Every calculator here is built on published Canadian government rules and lender methodology, and was last checked for accuracy on August 1, 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.