Land Transfer Tax Calculator Quebec

Quebec Welcome Tax (Droit de mutation) uses progressive brackets applied to the purchase price. Each portion of the price is taxed at its band's rate (not your highest rate applied to the whole amount). See the bracket table above for the exact rates. Quebec's 'Welcome Tax' (Droit de mutation) uses provincial brackets up to 1.5%. Montreal extends up to 3.5% on properties above ~$2M, and Quebec City / Laval have similar municipal additions. The calculator uses provincial minimums only — check your municipality for additions.

Ontario FTB rebate requires: 18+, Canadian citizen or PR, neither you nor your spouse has ever owned a home anywhere in the world, will occupy as principal residence within 9 months, and apply within 18 months of registration. Up to $4,000 rebate (Ontario) plus $4,475 in Toronto.

At closing (settlement). Your lawyer handles the LTT calculation, applies any FTB rebate you're entitled to, and remits to the appropriate revenue authority. You'll need to bring LTT in CASH to closing — it can't be added to your mortgage. Budget LTT alongside your down payment, closing costs ($1,500-$3,000 legal), and title insurance.

Most FTB rebates require continuous occupancy as your principal residence for a minimum period (typically 9-12 months). If you move out earlier without an exceptional reason (job relocation, marriage breakdown, medical), the revenue authority may claw back the rebate. Always document any unusual circumstances.

Quebec LTT applies to most residential AND commercial property transfers. Condo purchases are taxed at the same rate as detached homes. Vacant land is also taxed (you pay LTT on the land value at purchase). Some agricultural land and farmland purchases qualify for reduced rates or exemptions — check with your lawyer.