One application. 3 lenders from our 50+ network. Funded in 24 to 48 hours.
Apply Now One application routed to where you qualify.
Every Apply button starts the same single application. Your chosen lender is prioritized first.
Every home equity product converts unsecured or absent debt into debt secured against your home. A missed payment then has a path to foreclosure it did not previously have. Federal rules cap combined mortgage and home-equity borrowing at 80 percent of the home's value, and a standalone HELOC at 65 percent.
In Alberta, charges are registered with Alberta Land Titles. There is no land transfer tax, only registration fees, which materially lowers the cost of refinancing compared with Ontario or British Columbia.
| Applies | No land transfer tax |
|---|---|
| Structure | Land title transfer and mortgage registration fees only, sliding scale (roughly $500 to $800 on a $500,000 purchase) |
| Fthb Rebate | n/a |
| Note | Alberta and Saskatchewan are the only provinces without LTT. On a $600,000 home this is a five-figure difference versus Ontario or BC. |
| Confidence | VERIFIED-MULTI |
On closing costs, yes, and by a wide margin. Alberta charges no land transfer tax, only sliding-scale title and mortgage registration fees, roughly $500 to $800 on a $500,000 property. The same transaction in Ontario or BC can cost five figures in transfer tax, which changes the arithmetic on whether to refinance or move.
Typically up to 80% combined loan-to-value on a primary residence. Alberta property values move with the resource cycle, so lenders here often order a current appraisal rather than relying on an automated valuation, particularly outside Calgary and Edmonton.
