Ontario Land Transfer Tax Calculator
Get Instant Estimates
Ontario Land Transfer Tax Calculator
Get Instant Estimates
When buying a home in Ontario, the buyer is responsible for paying a land transfer tax as part of the closing process. This tax is calculated based on the property’s purchase price and, in some cases, its location.
Use our Ontario Land Transfer Tax Calculator below to get an accurate estimate of how much you may need to pay — including any applicable Toronto Municipal Land Transfer Tax and First-Time Home Buyer rebates.
Enter your purchase price and location below to see your estimated land transfer tax, any rebates you qualify for, and your total closing cost obligations.
Ontario Land Transfer Tax Calculator (Mobile)
Your land transfer tax is just one part of the closing costs when buying a home. Book a free consultation and we’ll walk you through the full picture — from legal fees to rebates — so you know exactly what to expect and don’t pay more than you need to.
When buying a home in Ontario, the buyer is responsible for paying a land transfer tax
The numbers you see above are estimates of Ontario’s provincial Land Transfer Tax (LTT).
If you’re buying in Toronto, you’ll also pay a Municipal Land Transfer Tax (MLTT), which is automatically included in your calculation.
If you’re a first-time home buyer, our calculator factors in your Ontario Land Transfer Tax rebate of up to $4,000.
Toronto first-time buyers can also qualify for an additional MLTT rebate.
What is Land Transfer Tax In Ontario?
Land Transfer Tax (LTT) is a provincial tax charged whenever real estate changes ownership in Ontario.
This tax is due on closing and must be paid before the property can be officially transferred into your name.
Ontario Land Transfer Tax Calculator
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate. The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax. It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers. In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax. These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
Enter your purchase price and location below to see your estimated land transfer tax, any rebates you qualify for, and your total closing cost obligations.
Ontario Land Transfer Tax Calculator
The numbers you see above are estimates of Ontario’s provincial Land Transfer Tax (LTT). If you’re buying in Toronto, you’ll also pay a Municipal Land Transfer Tax (MLTT), which is automatically included in your calculation.
If you’re a first-time home buyer, our calculator factors in your Ontario Land Transfer Tax rebate of up to $4,000. Toronto first-time buyers can also qualify for an additional MLTT rebate.
What is Land Transfer Tax In Ontario?
Land Transfer Tax (LTT) is a provincial tax charged whenever real estate changes ownership in Ontario. The amount is based on your home’s purchase price, with higher rates applied to higher brackets.
This tax is due on closing and must be paid before the property can be officially transferred into your name.
First-Time Home Buyer Rebates
Ontario offers a generous rebate to help first-time buyers get into the market. If you qualify, you may receive:
Up to $4,000 back on the Ontario Land Transfer Tax
Up to $4,475 back if you’re also paying Toronto’s MLTT
Our calculator automatically checks your eligibility and applies these rebates so you can see your savings instantly.
Why Use Our Ontario Land Transfer Tax Calculator?
Instantly calculate your tax obligation
✅ See your first-time buyer rebate eligibility
✅ Plan your budget with accurate closing cost estimates
✅ Understand your financial obligations before making an offer
Whether you’re buying your first condo, a family home, or an investment property, our calculator helps you plan with confidence.
Plan Your Home Purchase with Confidence
Calculating your Land Transfer Tax is just one step in the home buying process. At Pranzitelli Law Firm we help clients across Ontario with real estate closings, financing, and legal advice.
Book a FREE consultation today and let us guide you through a stress-free closing!
FAQ's
How is Land Transfer Tax calculated in Ontario?
It’s calculated on a sliding scale based on the property’s purchase price. Higher property values are taxed at higher rates.
Do first-time buyers pay Land Transfer Tax in Ontario?
Yes, but first-time buyers may qualify for rebates of up to $4,000 provincially, plus additional rebates in Toronto.
Is there Land Transfer Tax in Toronto?
Yes. Toronto has its own Municipal Land Transfer Tax (MLTT) in addition to the provincial LTT. Our calculator includes both.
What other closing costs should I expect?
In addition to LTT, buyers should budget for legal fees, title insurance, mortgage fees, and adjustments (like prepaid utilities or property taxes).
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate. The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax. It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers. In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax. These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
First-Time Home Buyer Rebates
Ontario offers a generous rebate to help first-time buyers get into the market. If you qualify, you may receive:
Up to $4,000 back on the Ontario Land Transfer Tax
Up to $4,475 back if you’re also paying Toronto’s MLTT
Our calculator automatically checks your eligibility and applies these rebates so you can see your savings instantly.
Why Use Our Ontario Land Transfer Tax Calculator?
Instantly calculate your tax obligation
✅ See your first-time buyer rebate eligibility
✅ Plan your budget with accurate closing cost estimates
✅ Understand your financial obligations before making an offer
Whether you’re buying your first condo, a family home, or an investment property, our calculator helps you plan with confidence.
Plan Your Home Purchase with Confidence
At Pranzitelli Law Firm we help clients across Ontario with real estate closings, financing, and legal advice.
Book a FREE consultation today and let us guide you through a stress-free closing!
FAQ's
How is Land Transfer Tax calculated in Ontario?
It’s calculated on a sliding scale based on the property’s purchase price. Higher property values are taxed at higher rates.
Do first-time buyers pay Land Transfer Tax in Ontario?
Yes, but first-time buyers may qualify for rebates of up to $4,000 provincially, plus additional rebates in Toronto.
Is there Land Transfer Tax in Toronto?
Yes. Toronto has its own Municipal Land Transfer Tax (MLTT) in addition to the provincial LTT. Our calculator includes both.
What other closing costs should I expect?
In addition to LTT, buyers should budget for legal fees, title insurance, mortgage fees, and adjustments (like prepaid utilities or property taxes).
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate.
The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax.
It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers.
In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax.
These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
What is Land Transfer Tax In Ontario?
Land Transfer Tax (LTT) is a provincial tax charged whenever real estate changes ownership in Ontario. The amount is based on your home’s purchase price, with higher rates applied to higher brackets.
This tax is due on closing and must be paid before the property can be officially transferred into your name.
Enter your purchase price and location below to see your estimated land transfer tax, any rebates you qualify for, and your total closing cost obligations.
Ontario Land Transfer Tax Calculator
The numbers you see above are estimates of Ontario’s provincial Land Transfer Tax (LTT). If you’re buying in Toronto, you’ll also pay a Municipal Land Transfer Tax (MLTT), which is automatically included in your calculation.
If you’re a first-time home buyer, our calculator factors in your Ontario Land Transfer Tax rebate of up to $4,000. Toronto first-time buyers can also qualify for an additional MLTT rebate.
First-Time Home Buyer Rebates
Ontario offers a generous rebate to help first-time buyers get into the market. If you qualify, you may receive:
Up to $4,000 back on the Ontario Land Transfer Tax
Up to $4,475 back if you’re also paying Toronto’s MLTT
Our calculator automatically checks your eligibility and applies these rebates so you can see your savings instantly.
Why Use Our Ontario Land Transfer Tax Calculator?
Instantly calculate your tax obligation
✅ See your first-time buyer rebate eligibility
✅ Plan your budget with accurate closing cost estimates
✅ Understand your financial obligations before making an offer
Whether you’re buying your first condo, a family home, or an investment property, our calculator helps you plan with confidence.
Plan Your Home Purchase with Confidence
Calculating your Land Transfer Tax is just one step in the home buying process. At Pranzitelli Law Firm we help clients across Ontario with real estate closings, financing, and legal advice.
Book a FREE consultation today and let us guide you through a stress-free closing!
FAQ's
How is Land Transfer Tax calculated in Ontario?
It’s calculated on a sliding scale based on the property’s purchase price. Higher property values are taxed at higher rates.
Do first-time buyers pay Land Transfer Tax in Ontario?
Yes, but first-time buyers may qualify for rebates of up to $4,000 provincially, plus additional rebates in Toronto.
Is there Land Transfer Tax in Toronto?
Yes. Toronto has its own Municipal Land Transfer Tax (MLTT) in addition to the provincial LTT. Our calculator includes both.
What other closing costs should I expect?
In addition to LTT, buyers should budget for legal fees, title insurance, mortgage fees, and adjustments (like prepaid utilities or property taxes).
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate. The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax. It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers. In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax. These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
Contact Us
(Local | Toll Free | Email)
Local
905 - 266 - 2633
Toll Free
Email
[email protected]
Our Addresses
(Vaughan | Toronto | London)
Toronto | Mississauga | Brampton | Vaughan | Hamilton | Markham | Oakville | Burlington | Kitchener | London
This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation
Copyright © 2025 Pranzitelli Law Firm | All rights reserved
What is Long-Term Disability (LTD) Insurance
Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.
How Do I Qualify For Long-Term Disability Benefits In Ontario?
To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.
What Types Of Conditions Are Covered Under Long Term Disability Insurance?
LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.
How Long Can I Receive Long-Term Disability Benefits?
The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.
What Should I DO If My Long-Term Disability Claim Is Denied?
If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
Contact Us
(Local | Toll Free | Email)
Local
905 - 266 - 2633
Toll Free
Email
[email protected]
Our Addresses
(Vaughan | Toronto | London)
Toronto | Mississauga | Brampton | Vaughan | Hamilton | Markham | Oakville | Burlington | Kitchener | London
This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation
Copyright © 2025 Pranzitelli Law Firm | All rights reserved
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