Buying a Home — AB
Buying a Home in Alberta
Province-specific costs, taxes, and the step-by-step process for Alberta home buyers.
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Offer checklist, closing cost summary, land transfer tax guide, and step-by-step buyer guide — customized for Alberta.
Land Transfer Tax / Fees
Alberta has no provincial Land Transfer Tax. Instead, a Land Title Transfer Fee applies on a sliding scale (roughly $275 + $1 per $5,000 of value over $100k for a $500k home ≈ $355).
First-Time Buyer Rebate
No rebate program — fees are minimal.
Closing Costs to Budget For
- Land Title Transfer Fee (~$275–$500)
- Legal fees ($1,200–$2,000)
- Title insurance ($200–$350)
- Home inspection ($400–$600)
- GST on new builds
- Property tax and utility adjustments
Professionals You'll Need
Lawyer / Notary
$1,200–$2,000. A lawyer (or notary public) is required to complete the title transfer in Alberta.
Title Insurance
Recommended. Protects against fraud, encroachments, and title defects. Cost: ~$200–$350.
Home Inspector
Not required but highly recommended. Budget $400–$600.
Step-by-Step Process
- 1
Get mortgage pre-approval
- 2
Search and view properties
- 3
Make a written offer — use AREA standard form or have a lawyer draft
- 4
Conditions period: financing and inspection
- 5
Remove conditions and firm up
- 6
Lawyer completes title search and transfer
- 7
Close and receive keys
Watch Out For
Alberta has no cooling-off period for residential purchases
Confirm the property is not in a flood-risk zone or industrial area
Condo buyers: request condo document package and review reserve fund study
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