Land transfer tax.
In Ontario, buyers pay a provincial land transfer tax based on the purchase price. First-time buyers get a rebate of up to $4,000.
Ottawa is in Ontario, not Toronto, so there is no separate municipal land transfer tax. Only the provincial rate applies.
The first-time buyer rebate is available if you and your spouse have never owned a home anywhere in the world, and you're a Canadian citizen or permanent resident.
For edge cases (multiple residences on the lot, non-resident speculation tax, corporate purchases), confirm with a real estate lawyer. We can recommend one.
Estimated total LTT
$12,475
- Ontario LTT
- $12,475
Estimate only. Ottawa has no municipal land transfer tax, so this is the provincial Ontario LTT only. Final amounts are determined by your real estate lawyer at closing. Non-resident buyers pay an additional Non-Resident Speculation Tax not included here.