Mortgage calculator
Ontario land transfer tax calculator
Estimate Ontario land transfer tax, Toronto municipal land transfer tax, and available first-time buyer rebates.
- Ontario land transfer tax
- $12,475
- Ontario first-time buyer rebate
- −$0
Uses current Ontario residential rates and Toronto rates effective April 1, 2026. Toronto’s higher brackets above $3 million apply only to residential properties containing one or two single-family residences. The estimate excludes non-resident speculation taxes, administration fees, refund-processing fees, and special transaction rules.
How to use this estimate
Use current documents.Enter figures from the mortgage statement, renewal offer, payout quote, appraisal, or commitment where possible.
Compare like with like.Use the same balance, time period, and payment frequency when comparing alternatives.
Check the actual terms.Qualification, fees, compounding, privileges, and lender calculations may produce different results.