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Land transfer tax, on every purchase. The rate starts at 0.5% on the first $55,000 and rises in steps, as the table shows. A first-time buyer gets up to $4,000 back, which means no tax on the first $368,000.
| Portion of the price | Ontario land transfer tax |
|---|---|
| First $55,000 | 0.5% |
| $55,000 to $250,000 | 1% |
| $250,000 to $400,000 | 1.5% |
| Above $400,000 | 2% |
| Above $2 million, on a home | 2.5% |
Toronto adds a municipal land transfer tax on top of Ontario's.
At least 5% on the first $500,000 of the price. On the part above $500,000, up to $1,500,000, the minimum is 10%. At $1,500,000 or more, the minimum is 20%.
Seven in our network, lending $15,000 to $100 million. Rates run from 3.45% to 16%. Three fund within two days, and four within a week. All seven consider poor credit, and income minimums start at $1,500 a month. Our application reaches all seven at once.
Every mortgage broker in Ontario must be licensed by FSRA. Every mortgage lender we work with is on the mortgages in Canada page.
Reviewed by Rafael Rositsan, Co-Founder and CEO, Smarter Loans, 4 October 2026. Lender terms checked August 2026.
It rises in steps from 0.5% to 2% of the price, with a higher rate on homes above $2 million.
They get up to $4,000 back, so the first $368,000 of the price carries no tax.
You need at least 5% on the first $500,000 and 10% on the part above it. A home of $1,500,000 or more needs 20% down.
FSRA does. Every mortgage broker in Ontario must be licensed by it.
Seven lenders in our network do, from $15,000 to $100 million, and three fund within two days.
