Mortgage · Saskatchewan
Saskatchewan land transfer fees.
Saskatchewan has no land transfer tax. It has an ISC title registration fee of 0.4%, and the rate went up in 2023 — most calculators are still quoting the old one.
A Saskatchewan land transfer calculator. There is no land transfer tax in Saskatchewan. What you pay is a registration fee charged by Information Services Corporation, the province’s statutory registrar.
The title transfer fee is 0.4% of the value of the title, and registering a mortgage costs a separate tiered flat fee from $200 to $1,000 — not a percentage, which is where most estimates go wrong.
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No land transfer tax, but the fee is not trivial
Saskatchewan is one of the four Canadian jurisdictions that levies no tax on a transfer of land, alongside Alberta, Newfoundland and Labrador and the territories. Registration is handled by Information Services Corporation (ISC) under The Land Titles Act, 2000, and section 118(1) empowers the minister to set the fees by order.
At 0.4% of value the Saskatchewan fee is far higher than Alberta’s levy, which works out to roughly 0.1% on the same house. It is still a small fraction of what Manitoba, Ontario or British Columbia charge in actual tax.
The rate is 0.4%, not 0.3%
This is the single most repeated error about Saskatchewan land title fees, and it is everywhere: comparison sites, brokerage blogs and law firm pages all still quote 0.3%. 0.3% was the pre-July-2023 rate. The current ISC fee table, effective 15 April 2026, sets the title transfer fee as:
- value $0 to $500 — free
- value $500.01 to $6,300 — a flat $25.00
- value $6,300.01 and greater — 0.4% of the value of the title
On a $400,000 house the difference between the two rates is $400, so it is worth getting right.
A second figure that circulates is an $8,400 threshold for the flat fee. That number is real but belongs to a different transaction: a title transmission, which is the transfer on the death of an owner. Transmissions are free to $500, $12.50 from $501 to $8,400, and 0.15% above that. Do not apply transmission numbers to a purchase.
The mortgage fee is a flat tier, not a percentage
Registering the mortgage is charged separately and does not scale with the loan the way the transfer fee scales with the price. The first four titles or interests affected are charged on these bands, and each additional title after that is a flat $55:
- $0 to $249,999.99 — $200.00
- $250,000 to $500,000 — $275.00
- $500,000.01 to $750,000 — $525.00
- $750,000.01 to $1,000,000 — $775.00
- $1,000,000.01 and greater — $1,000.00
The mortgage bands are the part of the schedule that moved on 15 April 2026: the first four tiers each rose by $20 to $25. The 0.4% transfer rate and its thresholds were untouched in that adjustment. Related registrations are separately priced — a mortgage discharge is $55.00, and an assignment or amendment of mortgage is $60.00.
Value means sworn fair market value, rounded down
ISC’s Titles Affidavit of Value asks for the value of the land including all buildings and improvements at fair market value, rounded down to the nearest dollar. That rounding direction is the opposite of Alberta’s, which rounds up to the next $5,000 increment.
There is no “greater of price or assessed value” rule in Saskatchewan of the kind New Brunswick and Prince Edward Island apply. Some pages assert one; the Act, the fee table and the affidavit form all point to sworn fair market value instead.
What else to budget for
The fees above are what ISC charges. Add legal fees and disbursements, title insurance if your lender requires it, and the property tax adjustment. A title print with registration is an optional $15.00 per title, so it is left out of the figure above.
On a $400,000 purchase with a $320,000 mortgage the ISC total is $1,875: $1,600 on the transfer and $275 on the mortgage.
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.
- 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.
- Newfoundland Registration Fee — No transfer tax: a Registry of Deeds fee built from a base amount plus a rate per $100.
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.
- Land Titles fees — ISC (Saskatchewan Registries) — fee table effective 15 April 2026
- Land Title Fees Table, April 2026 (PDF) — ISC — transfer 0.4%, mortgage tiers $200–$1,000
- Fee adjustments — ISC — confirms only the mortgage bands moved in April 2026
Frequently asked questions
Does Saskatchewan have a land transfer tax?
No. Saskatchewan charges no land transfer tax. It charges a land title registration fee through Information Services Corporation, the province’s statutory registrar under The Land Titles Act, 2000.
The transfer fee is 0.4% of the value of the title above $6,300, with a flat $25 between $500.01 and $6,300 and nothing at or below $500.
Is the Saskatchewan land title transfer fee 0.3% or 0.4%?
It is 0.4%. The 0.3% figure was the rate before July 2023 and is still widely republished by comparison sites and brokerage blogs, which is why it keeps circulating.
The current ISC fee table, effective 15 April 2026, sets the rate at 0.4% of the value of the title for values above $6,300. On a $400,000 house that is $1,600 rather than $1,200.
How much does it cost to register a mortgage in Saskatchewan?
A tiered flat fee, not a percentage: $200 up to $249,999.99, $275 from $250,000 to $500,000, $525 from $500,000.01 to $750,000, $775 from $750,000.01 to $1,000,000, and $1,000 above that.
Those bands cover the first four titles or interests affected; each additional title is $55. A mortgage discharge is $55 and an assignment or amendment of mortgage is $60.
What value are Saskatchewan land title fees based on?
The fair market value of the title including all buildings and improvements, sworn in ISC’s Titles Affidavit of Value and rounded down to the nearest dollar.
There is no rule taking the greater of the price and the assessed value, which is how New Brunswick and Prince Edward Island work. Saskatchewan asks for sworn market value.
What is the $8,400 threshold I keep seeing for Saskatchewan?
It belongs to a title transmission — the transfer of title on the death of an owner — not to a purchase. Transmissions are free to $500, $12.50 from $501 to $8,400, and 0.15% above $8,400.
A purchase uses the transfer bands instead: free to $500, a flat $25 to $6,300, and 0.4% above that. Mixing the two produces an answer that is wrong by more than half.
Is there a first-time home buyer rebate on Saskatchewan land title fees?
No. There is no land transfer tax in Saskatchewan and no first-time buyer rebate against the ISC registration fee.
Saskatchewan does offer a separate First-Time Homebuyers’ Tax Credit through the income tax system, which is a credit on your return rather than a reduction of what you pay at registration.
Disclaimer
Calculated from the ISC Land Title Fees Table effective 15 April 2026, made under s. 118(1) of The Land Titles Act, 2000. Saskatchewan levies no land transfer tax. Legal fees, title insurance and optional title prints are not included. This is an estimate only. Confirm the amount with your lawyer, notary or lender before you close.