Calculators

Cash you need at closing

British Columbia and Alberta side by side. Property transfer tax against land titles registration, plus the professional costs that land on the same day.

Closing costs

What has to be in the account on closing day.

British Columbia charges a property transfer tax on the building. Alberta charges no transfer tax at all — only a land titles registration fee, which on the same purchase is a fraction of the cost. On a seven-figure clinic that difference is the single largest line on this page.

Where the practice is

The purchase

$2.4M
$600,000
25%

Professional costs

$18,000
$5,000
$4,000
$3,000
GST is normally off here on purpose. A buyer registered for GST self-assesses the tax on their own return rather than handing it to the seller at closing, and where the property is used in the business an offsetting credit is usually claimed on that same return — so it rarely needs funding. On the practice and goodwill, a registered buyer and seller can often elect so no GST applies at all. Tick the box only if your accountant has told you it is real cash on the day, and take the answer from them, not from us.
$0
to have in the account on closing day
Money you put in$0
Property transfer tax$0
GST on the premisesnot funded
Legal$0
Appraisal$0
Environmental and building$0
Accounting and valuation$0
Costs on top of your money in$0

British Columbia’s general property transfer tax runs 1% on the first $200,000, 2% to $2,000,000 and 3% above that; the further 2% above $3,000,000 applies to residential property only, so a clinic or medical building does not pay it. Alberta charges $50 plus $5 per $5,000 to register the transfer and the same again on the mortgage, rounded up to the next $5,000. Rates confirmed against the provincial schedules; they can change, and your lawyer’s statement of adjustments governs. Arithmetic last checked for accuracy on October 15, 2026.

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A calculator is a starting point, not an answer

Real numbers on a real file come from a conversation. Bring what you have and you will get a straight read on it.

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