06 · Excel · August 2026
What is in the file
Tax-on-title only. If you need the whole closing picture — cash to close, CMHC, B-20, T776 — buy the Ontario rental analyzer Excel instead.
- Ontario graduated land transfer tax, band by band.
- Toronto municipal land transfer tax, including 1 April 2026 luxury tiers.
- First-time home buyer refunds: Ontario max $4,000, Toronto max $4,475.
- Non-resident speculation tax (NRST) 25% and Toronto MNRST 10%.
- Closing-date switch so pre- and post-April 2026 Toronto deals do not share a rate table by accident.
- Who it is for
- Ontario and Toronto buyers, investors, and anyone who needs the LTT line before calling a lawyer.
- Who it is not for
- Not the full rental analyzer. No cash to close, no CMHC, no B-20, no T776. Not legal advice.
- Also available
- Full year-1 underwriting: Ontario rental analyzer Excel ($47 CAD) with cash to close, CMHC, B-20, and T776.
Not tax, legal, or mortgage advice. Illustration only. LTT/MLTT bands, first-time buyer refunds, NRST, and MNRST are modelled as of August 2026 and can change. Confirm with your lawyer before you waive a condition.