Alberta is one of the only provinces with no land transfer tax. Estimate your real closing-day costs — land title fees, mortgage registration, legal — and see exactly what you'd pay for the same home in Ontario, Toronto or BC.
✓ Updated July 17, 2026 · Oct 2024 registry fee ratesA licensed Alberta broker shops 30+ lenders for your best rate, free. Even 0.2% off the rate saves more than all your registry fees combined.
Alberta has no land transfer tax — a closing-day advantage worth thousands versus Ontario, BC, Manitoba or the Maritimes. What you pay instead are modest Land Titles registration fees, updated October 20, 2024 to a flat $50 base + $5 per $5,000 (or portion) of value — once on the property transfer, once on the mortgage registration.
| Cost | Typical range | Notes |
|---|---|---|
| Land title transfer fee | $350–$1,600 | $50 + $5 per $5,000 of price (Oct 2024 rates) |
| Mortgage registration fee | $300–$1,300 | Same formula on the mortgage amount |
| Legal fees + disbursements | $1,200–$2,000 | Real-estate lawyer handles both registrations |
| Title insurance | $250–$450 | Usually required by the lender |
| Home inspection | $400–$600 | Optional but strongly recommended |
| Property tax adjustment | varies | Reimburse the seller for prepaid taxes |
| Land transfer tax | $0 | Alberta has none |
Rule of thumb: budget 1–1.5% of the purchase price for Alberta closing costs, versus 2–4% in provinces with land transfer taxes. If your down payment is under 20%, remember the CMHC-style insurance premium (2.80–4.00% of the loan) is added to your mortgage, not paid in cash — but you do pay GST on the premium in cash at closing in Alberta (5%).
Correct — Alberta and Saskatchewan are the notable holdouts. Alberta charges only Land Titles registration fees ($50 + $5 per $5,000 of value, on both the transfer and the mortgage). Even after the October 2024 fee increase, a typical purchase pays around $1,000 total — not the $7,000–$15,000 land transfer taxes common in Ontario and BC.
The buyer, through their lawyer, as part of closing disbursements. Sellers pay their own legal fees and any mortgage discharge fee (~$300–400).
There's no fee to be exempt from — that's the point. Alberta first-timers instead benefit from federal programs: the FHSA ($40,000 lifetime tax-free savings), RRSP Home Buyers' Plan ($60,000), the $1,500 Home Buyers' tax credit, and the GST rebate on new builds. See our first-time buyer guide.
Interest adjustment and property-tax adjustment amounts, because they depend on your closing date. Your lawyer's statement of adjustments sets the exact figure — ask for an estimate early so your closing funds (down payment + costs) are ready as one certified amount.
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