Buying a Home: NB
Buying a Home in New Brunswick
This page is the free New Brunswick guide. No sign-in. Read on, or take the checklist as a PDF.
Facts checked September 2026 · See what changed · How we check
Province-specific costs, taxes, and the step-by-step process for New Brunswick home buyers.
New Brunswick home buyer's checklist
Keep it with the rest. This one files behind tab 3 of the Home File.
1
Land Transfer Tax / Fees
Open this section ↓↑ Close this sectionNew Brunswick charges a Real Property Transfer Tax of 1% of the property value, calculated on the higher of the purchase price or the assessed value.
Official rate information →First-Time Buyer Rebate
No rebate available.
2
Closing Costs to Budget For
Open this section ↓- Real Property Transfer Tax (1% of the higher of price or assessed value)
- Legal fees (ask for a quote)
- Title insurance (varies by property value)
- Home inspection (varies by property size and age)
- Property tax adjustments
- HST on new builds
3
Professionals You'll Need
Open this section ↓↑ Close this sectionLawyer / Notary
A lawyer completes the title transfer. No law society publishes a set fee tariff, so fees vary by firm and by the complexity of the transaction; ask for a quote up front.
Title Insurance
Recommended. Premiums are a one-time cost that varies with the property value and the insurer; ask your lawyer or notary for a quote.
Home Inspector
Recommended. Costs vary with the size, age and location of the property; ask the inspector for a quote.
4
Where Title Is Registered in New Brunswick
Your lawyer registers the transfer/deed with the Service NB Land Registry.Open this section ↓Your lawyer registers the transfer/deed with the Service NB Land Registry. NB uses a hybrid Registry of Deeds and Land Titles system. Your lawyer will advise on which applies.
Service NB Land Registry →5
Step-by-Step Process
Open this section ↓- 1Pre-approval
- 2Offer with conditions
- 3Satisfy conditions
- 4Lawyer registers title
- 5Close
↑ Close this sectionArrange home insurance
Your lender requires proof of insurance before funds are released. Contact your insurer before possession day.
6
Watch Out For
Open this section ↓NB property assessed values can differ significantly from market value; confirm the tax calculation basis
Check for flooding history given NB's river systems
Built by Nathan, nine years in the Canadian Army, paperwork done the hard way first.
Home Buyer Package
$14
Closing costs · land transfer tax · buyer checklist
- ✓Offer checklist
- ✓Closing cost worksheet
- ✓Land transfer tax guide
Informational guide only. Guidepost is not a law firm. This guide explains the typical process and is not legal advice. Requirements can change. Verify current rules with the relevant government authority or a qualified professional before you act.