Buying a Home — NL
Buying a Home in Newfoundland & Labrador
Province-specific costs, taxes, and the step-by-step process for Newfoundland & Labrador home buyers.
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Offer checklist, closing cost summary, land transfer tax guide, and step-by-step buyer guide — customized for Newfoundland & Labrador.
Land Transfer Tax / Fees
Newfoundland has no Land Transfer Tax. A Registration Fee applies (nominal, typically under $200).
First-Time Buyer Rebate
No rebate — registration fees are minimal.
Closing Costs to Budget For
- Registration fee (under $200)
- Legal fees ($1,000–$1,800)
- Title insurance ($200–$300)
- Home inspection ($300–$500)
- HST on new builds
- Property tax adjustments
Professionals You'll Need
Lawyer / Notary
$1,000–$1,800.
Title Insurance
Recommended. Cost: $200–$300.
Home Inspector
Highly recommended, especially for older homes with wood-frame construction common in the province.
Step-by-Step Process
- 1
Pre-approval
- 2
Offer with conditions
- 3
Satisfy conditions
- 4
Lawyer completes title registration
- 5
Close
Watch Out For
Radon levels in NL are among the highest in Canada — test for radon
Check for oil heating and the condition of underground tanks
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