Land transfer & closing costs
Alberta has no land transfer tax. Instead, buyers pay modest title registration and mortgage registration fees, making closing costs among the lowest in Canada.
Alberta, Canada
A free, independent mortgage guide for Alberta
Whether you're buying your first home in Calgary, renewing in Edmonton, or just want to understand your mortgage across Alberta, Kaiu gives you the numbers — no lender, no broker, no sales pitch.
First-time buyers in Alberta
Alberta buyers benefit from no land transfer tax alongside the federal first-time buyer programs, keeping upfront costs low relative to other provinces.
Alberta market snapshot
Calgary and Edmonton have seen strong interprovincial migration and relatively attainable prices, making them active markets for first-time buyers and investors.
This guide applies across Calgary, Edmonton, Red Deer, Lethbridge, Airdrie and every community in Alberta.
Alberta mortgage questions
- What is the land transfer tax in Alberta?
- Alberta has no land transfer tax. Instead, buyers pay modest title registration and mortgage registration fees, making closing costs among the lowest in Canada.
- Are there first-time home buyer programs in Alberta?
- Alberta buyers benefit from no land transfer tax alongside the federal first-time buyer programs, keeping upfront costs low relative to other provinces.
- Can Kaiu help me understand my mortgage renewal in Alberta?
- Yes. Kaiu's free mortgage review walks through your renewal date, rate, and home equity, and gives you a plain-language health score and a list of things worth checking — entirely in your browser, with nothing saved or sent anywhere.
- Is Kaiu a mortgage lender or broker in Alberta?
- No. Kaiu is an independent, educational tool. It does not lend money, broker mortgages, or earn commissions from any lender.