Mortgage · Newfoundland and Labrador
Newfoundland land transfer fees.
Newfoundland and Labrador charges no land transfer tax. It charges a Registry of Deeds fee instead, built from a flat base plus forty cents for every hundred dollars of value.
A Newfoundland and Labrador land transfer calculator. There is no land transfer tax in the province — it is one of only four Canadian jurisdictions with none, alongside Alberta, Saskatchewan and the territories.
What you pay is a Registry of Deeds registration fee: $100 where the value does not exceed $500, and above that, $100 plus forty cents for each additional $100 or part of $100. The same formula applies to registering the mortgage.
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Registry of Deeds fees
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No transfer tax, but the fee scales with the price
Newfoundland and Labrador levies nothing on the transfer itself. Registration is handled by the Registry of Deeds in the Commercial Registrations Division, and the fees are prescribed by the Minister of Government Services under the Registration of Deeds Act, 2009.
Unlike a flat filing fee, this one grows with the property, so it is not trivial on a normal house. The formula for registering “a conveyance, assignment or other document” is:
- value up to $500 — $100.00;
- value above $500 — $100.00 plus forty cents for each additional one hundred dollars or part of one hundred dollars.
On a $350,000 property that is $100 + 40¢ × 3,495 = $1,498.00. Because the “or part of” language rounds each partial hundred up, $350,001 and $350,100 both attract 3,496 units.
Effectively the fee is 0.4% of the value above the first $500 — the same headline rate Saskatchewan charges, and roughly four times Alberta’s levy on the same house.
The mortgage fee, and the two rules that limit it
Registering a mortgage is charged the same way on the amount secured: $100 where it does not exceed $500, and $100 plus forty cents per additional $100 above that.
Two provisions cap the exposure:
- The value rule. Where the amount secured exceeds the value of the property passing by way of security, the fee is charged on that value instead of on the amount secured. This calculator applies that rule.
- The $5,000 ceiling. Nobody is liable for more than five thousand dollars to register a mortgage, charge, floating charge or specific or floating mortgage or charge of chattels. That ceiling bites at an amount secured of about $1.25 million.
A release or transfer of mortgage is a flat $100.00, as is a power of attorney and a judgment. A certificate of search is $30.00 for each name searched.
What else the schedule covers
Worth knowing if your transaction is not a plain purchase: registering an instrument not otherwise provided for is $100.00, rising by $1.00 per page beyond five pages. Certifying a copy of a registered instrument is $50.00, and copies are twenty-five cents a page. Filing an affidavit or statutory declaration ancillary to a registration attracts no fee, and neither does a certificate of acknowledgement.
No fee is payable on an instrument registered by or on behalf of the Crown, or by a non-profit airport authority for property transferred under the National Airport Policy. The Registrar will not register an instrument until the proper fee is paid.
How Newfoundland compares
On a $350,000 home the Registry of Deeds conveyance fee is about $1,498. The same purchase would attract roughly $3,500 in New Brunswick or Prince Edward Island, $5,250 in Halifax, $5,650 in Manitoba, and $3,725 in Ontario — or $7,450 inside Toronto. Only Alberta is materially cheaper, at around $400 for the transfer levy.
There is no first-time home buyer rebate against the registration fee, because there is no tax to rebate. The province has at times run separate first-time buyer grant programmes funded outside the registry system; check whether one is currently open rather than assuming it, as intake has opened and closed more than once.
What the other provinces charge
Transfer tax is the closing cost that varies most across Canada — from nothing at all in three provinces to five figures on a mid-priced house in Toronto. Each of these has its own calculator:
- Ontario Land Transfer Tax — Marginal brackets to 2.5%, doubled inside Toronto, with a first-time buyer rebate.
- BC Property Transfer Tax — Brackets to 3%, an extra 2% above $3 million, and a 20% additional tax on foreign buyers.
- Quebec Transfer Duties — The taxe de bienvenue, billed by the municipality weeks after you close.
- Alberta Land Transfer Fee — No land transfer tax at all: $50 plus $5 per $5,000 on the transfer and again on the mortgage.
- Manitoba Land Transfer Tax — Marginal brackets topping out at 2% above $200,000, with no first-time buyer relief.
- Saskatchewan Land Transfer Fee — No transfer tax: an ISC registration fee of 0.4% of title value, plus a flat mortgage fee.
- Nova Scotia Deed Transfer Tax — Set by each municipality rather than the province, with a 10% provincial tax on non-residents.
- NB Real Property Transfer Tax — A flat 1% charged on the greater of the consideration and the assessed value.
- PEI Property Transfer Tax — A flat 1% with a low-value exemption and a genuine first-time buyer exemption.
Sources, and when they were last checked
Every rate, threshold and rebate above was read off the official page listed here on 2 September 2026. Rates change with provincial budgets; if you are reading this long after that date, open the source and check the number before you rely on it.
- Schedule of Fees Prescribed by the Minister — Registry of Deeds, Government of NL — the conveyance and mortgage fee formulas and the $5,000 mortgage ceiling
- Registering a Deed Document — Government Services, Newfoundland and Labrador
- Registration of Deeds Act, 2009, SNL2009 c. R-10.01
Frequently asked questions
Does Newfoundland have a land transfer tax?
No. Newfoundland and Labrador charges no land transfer tax. It is one of only four Canadian jurisdictions without one, alongside Alberta, Saskatchewan and the three territories.
What you pay instead is a Registry of Deeds registration fee, prescribed by the Minister of Government Services under the Registration of Deeds Act, 2009.
How much does it cost to register a deed in Newfoundland?
$100.00 where the value of the property does not exceed $500. Above that it is $100.00 plus forty cents for each additional one hundred dollars or part of one hundred dollars.
On a $350,000 property that works out to $1,498.00. The “or part of” wording rounds each partial hundred up, so the fee steps rather than sliding smoothly.
How much is the mortgage registration fee in Newfoundland?
The same formula applied to the amount secured: $100.00 up to $500, then $100.00 plus forty cents per additional $100 or part of $100.
Two limits apply. Where the amount secured exceeds the value of the property passing by way of security, the fee is charged on that value instead. And nobody is liable for more than $5,000 to register a mortgage or charge, a ceiling reached at roughly $1.25 million secured.
Is there a first-time home buyer rebate in Newfoundland?
Not against the registration fee — there is no land transfer tax to rebate, and the fee schedule contains no first-time buyer provision.
The province has run separate first-time buyer grant programmes funded outside the registry system at various times. Intake has opened and closed more than once, so check whether one is currently accepting applications rather than assuming it is available.
What is the fee based on: the price or an assessment?
The schedule refers to “the actual value of the property passing or affected by the document”, which on an arm’s-length purchase is your price.
There is no “greater of price or assessment” rule of the kind New Brunswick and Prince Edward Island apply, and no municipal assessment factor of the kind Quebec uses.
Disclaimer
Calculated from the Schedule of Fees prescribed by the Minister of Government Services for the Registry of Deeds. Newfoundland and Labrador levies no land transfer tax. Legal fees, title insurance and search fees are not included, and HST treatment of the registration fee is not stated on the published schedule. This is an estimate only. Confirm the amount with your lawyer, notary or lender before you close.