Mortgage Qualify

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Province guides

The rules aren't the same everywhere. Here's what's genuinely different depending on where you're buying.

ON

Ontario

Home to Canada's only municipal land transfer tax, on top of the provincial one — and specific rules if you're buying in Toronto.

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BC

British Columbia

BC's Property Transfer Tax uses its own bracket structure, and either a lawyer or a notary can handle your closing — a genuine difference from Ontario.

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AB

Alberta

No land transfer tax at all — Alberta charges a much smaller Land Titles registration fee instead, one of the most genuinely distinctive rules in the country.

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QC

Quebec

Quebec's civil law system means a notary — not a lawyer — handles your closing, and the province's own transfer duty ('welcome tax') is set partly by your municipality.

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