{
  "_meta": {
    "source": "The Mortgage Ledger",
    "url": "https://themortgageledger.com/press",
    "methodology": "https://themortgageledger.com/methodology",
    "dataVintage": "2026-06-30",
    "license": "CC BY 4.0",
    "licenseUrl": "https://creativecommons.org/licenses/by/4.0/",
    "attribution": "Free to use, share, and adapt for any purpose, including commercially, with attribution to The Mortgage Ledger and a link back.",
    "title": "Canada provincial/territorial data — tax, insurance, enforcement",
    "recordCount": 13
  },
  "data": [
    {
      "country": "CA",
      "region_code": "ON",
      "region": "Ontario",
      "currency": "CAD",
      "land_transfer_tax": "Ontario Land Transfer Tax (LTT)",
      "first_time_buyer_rebate": "Up to $4,000 provincial rebate (eliminates LTT on homes up to $368,333). Toronto buyers also get up to $4,475 municipal rebate on Toronto's parallel LTT — combined saving of up to $8,475 in Toronto.",
      "mortgage_enforcement_method": "power-of-sale",
      "typical_enforcement_months": 4,
      "avg_home_insurance_annual": 1380,
      "property_tax_rate_pct": 0.9,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "BC",
      "region": "British Columbia",
      "currency": "CAD",
      "land_transfer_tax": "Property Transfer Tax (PTT)",
      "first_time_buyer_rebate": "Full exemption on homes up to $500,000 (saving up to ~$8,000). Partial exemption for homes $500,000–$835,000. Must be Canadian citizen or permanent resident, must never have owned a home anywhere in the world.",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 8,
      "avg_home_insurance_annual": 1500,
      "property_tax_rate_pct": 0.4,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "QC",
      "region": "Quebec",
      "currency": "CAD",
      "land_transfer_tax": "Welcome Tax (Taxe de bienvenue)",
      "first_time_buyer_rebate": "No province-wide LTT rebate. A federal First-Time Home Buyers' Tax Credit of $750 applies. Some municipal programs exist in Montreal.",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 12,
      "avg_home_insurance_annual": 960,
      "property_tax_rate_pct": 1,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "AB",
      "region": "Alberta",
      "currency": "CAD",
      "land_transfer_tax": "None",
      "first_time_buyer_rebate": "No land transfer tax at all — one of only two provinces (with Saskatchewan) that charges none.",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 6,
      "avg_home_insurance_annual": 1800,
      "property_tax_rate_pct": 0.65,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "MB",
      "region": "Manitoba",
      "currency": "CAD",
      "land_transfer_tax": "Land Transfer Tax",
      "first_time_buyer_rebate": "First-time buyers are exempt from LTT on the first $150,000 of the purchase price — a smaller rebate than Ontario or BC.",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 6,
      "avg_home_insurance_annual": 1050,
      "property_tax_rate_pct": 1.2,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "SK",
      "region": "Saskatchewan",
      "currency": "CAD",
      "land_transfer_tax": "None",
      "first_time_buyer_rebate": "No land transfer tax — only land title transfer fees (very small).",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 6,
      "avg_home_insurance_annual": 1200,
      "property_tax_rate_pct": 1.1,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "NS",
      "region": "Nova Scotia",
      "currency": "CAD",
      "land_transfer_tax": "Deed Transfer Tax (municipal, not provincial)",
      "first_time_buyer_rebate": "No province-wide rebate. Some municipalities offer exemptions for first-time buyers.",
      "mortgage_enforcement_method": "power-of-sale",
      "typical_enforcement_months": 4,
      "avg_home_insurance_annual": 1020,
      "property_tax_rate_pct": 1.1,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "NB",
      "region": "New Brunswick",
      "currency": "CAD",
      "land_transfer_tax": "Real Property Transfer Tax",
      "first_time_buyer_rebate": "No first-time buyer LTT rebate at provincial level.",
      "mortgage_enforcement_method": "power-of-sale",
      "typical_enforcement_months": 4,
      "avg_home_insurance_annual": 900,
      "property_tax_rate_pct": 1.3,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "NL",
      "region": "Newfoundland and Labrador",
      "currency": "CAD",
      "land_transfer_tax": "None",
      "first_time_buyer_rebate": "Newfoundland and Labrador does not charge land transfer tax — only land registration fees.",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 8,
      "avg_home_insurance_annual": 1080,
      "property_tax_rate_pct": 0.9,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "PE",
      "region": "Prince Edward Island",
      "currency": "CAD",
      "land_transfer_tax": "Real Property Transfer Tax",
      "first_time_buyer_rebate": "Full transfer tax exemption for first-time buyers with no purchase price limit — one of the most generous in Canada. Must have resided in PEI for 183 consecutive days before purchase, or occupy the new home for 183 consecutive days.",
      "mortgage_enforcement_method": "power-of-sale",
      "typical_enforcement_months": 4,
      "avg_home_insurance_annual": 960,
      "property_tax_rate_pct": 1,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "NT",
      "region": "Northwest Territories",
      "currency": "CAD",
      "land_transfer_tax": "Land Title Registration Fees (no traditional LTT)",
      "first_time_buyer_rebate": "No land transfer tax. Registration fees only, calculated on home value and mortgage amount.",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 8,
      "avg_home_insurance_annual": 1440,
      "property_tax_rate_pct": 0.9,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "NU",
      "region": "Nunavut",
      "currency": "CAD",
      "land_transfer_tax": "Land Title Registration Fees (no traditional LTT)",
      "first_time_buyer_rebate": "No land transfer tax.",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 10,
      "avg_home_insurance_annual": 1800,
      "property_tax_rate_pct": 0.9,
      "last_verified": "2026-06-30"
    },
    {
      "country": "CA",
      "region_code": "YT",
      "region": "Yukon",
      "currency": "CAD",
      "land_transfer_tax": "Land Title Registration Fees (no traditional LTT)",
      "first_time_buyer_rebate": "No land transfer tax.",
      "mortgage_enforcement_method": "judicial-sale",
      "typical_enforcement_months": 6,
      "avg_home_insurance_annual": 1200,
      "property_tax_rate_pct": 0.8,
      "last_verified": "2026-06-30"
    }
  ]
}