Province · Buying your first home in Canada
Alberta has no land transfer tax, which removes one of the biggest closing-cost drags. Title registration fees are a fraction of what buyers pay in Ontario or BC. Municipal programs in Calgary and Edmonton do most of the provincial-style heavy lifting.
Alberta does not charge a percentage-based land transfer tax. Buyers pay small flat title and mortgage registration fees, typically a few hundred dollars combined on a mid-priced home.
Form: Filed by your lawyer at Land Titles
Shared-equity down payment assistance for qualifying buyers in Calgary. AHC contributes toward your down payment and shares in future appreciation when you sell.
Form: Apply via AHC
Land-cost deferral for first-time buyers purchasing eligible townhomes in Edmonton. No land-cost payments for five years.
Alberta buyers benefit most from the federal FHSA, HBP, and HBTC stack because the provincial closing-cost load is already light. An FHSA plus HBP can push total tax-advantaged cash toward purchase past $100,000 per buyer.