When are these fees paid?

At closing, through your lawyer, as part of the title transfer and mortgage registration process. The Land Titles Office collects them before recording the transfer.

Is there a first-time buyer rebate?

No need — the fees are already so low that a rebate would be largely symbolic. Alberta's structural advantage is the lack of LTT itself.

Does this include the mortgage default insurance?

No. CMHC, Sagen, or Canada Guaranty premiums are separate and federally consistent — not affected by the province. Use our mortgage payment calculator to compute those.

How do these fees compare to Ontario or BC?

Trivial. A $550,000 Toronto property pays ~$13k in LTT (or $24k including municipal); Vancouver ~$8k in PTT; Alberta the same property: ~$450 in registration fees. Provincial differences in closing costs are massive.

Are these fees tax-deductible?

Same rule as everywhere: they're added to the property's adjusted cost base, not deducted as expenses. They reduce your eventual capital gain on a sale.

Land registration · Alberta

Alberta has no land transfer tax.

Unlike Ontario, BC, and Quebec, Alberta charges only modest land title registration fees — typically $200–500 in total on a residential purchase. Calculate yours below.

Assumptions

Purchase price

Mortgage amount

Set to 0 if you're paying cash.

Results

Total registration fees

$452

Title transfer fee$270

Mortgage registration fee$182

Foncier the whole deal

This number is one of seventy.

Cap rate is a start. The full Foncier analyzer adds DSCR, IRR, ten-year cashflow projections, scenarios, side-by-side compare, and live community rent comps — for free, on your first three deals.

Create a free account See plans

How this is calculated

Alberta charges $50 plus $2 per $5,000 of property value (rounded up) for the title transfer, plus $50 plus $1.50 per $5,000 of mortgage value for mortgage registration. Far simpler — and cheaper — than the bracket-based LTT in other provinces.

Worked examples

Alberta registration fees at common prices.

Calgary house · $550k · 20% down

$402 in fees

$550,000 home with $440,000 mortgage: title fee $50 + (110 × $2) = $270 + mortgage fee $50 + (88 × $1.50) = $182 = $452 total. A fraction of what an Ontario or BC buyer would pay.

Title fee$270

Mortgage fee$182

Total$452

ProvinceAB

Edmonton condo · $300k · all cash

$170 in fees

$300,000 cash purchase: title fee $50 + (60 × $2) = $170 only — no mortgage fee since there's no mortgage to register.

Title fee$170

Mortgage fee$0

Total$170

ProvinceAB

Alberta fees questions

About Alberta land registration.

Correct. Alberta is one of three Canadian provinces (with Saskatchewan and Newfoundland) without a land transfer tax. Buyers only pay the Land Titles Office's registration fees, which are a fraction of what Ontario or BC charge.

Other calculators

Rental property calculator

Quick cashflow, cap rate, and cash-on-cash on any rental — punch in price, rent, and expenses.

Mortgage payment calculator

Canadian semi-annual compounding, with CMHC default-insurance premiums baked in for low down payments.

Mortgage affordability calculator

How much house can you actually qualify for? Reverse-engineers the maximum purchase price from your income, debts, and the stress test.

Mortgage stress test calculator (B-20)

Will you qualify? Computes the OSFI B-20 qualifying rate, GDS/TDS ratios, and pass/fail vs. typical lender thresholds.

Rent vs buy calculator

Honest math on whether renting and investing the down payment beats buying — over your time horizon.

Cap rate & cash-on-cash calculator

Two of the cleanest signals on a rental — cap rate and cash-on-cash — from price, rent, and expenses.