By City

Physician mortgages, city by city.

The biggest difference in physician closing costs between Canadian cities is the local land transfer tax. Each city page covers that, the teaching hospitals, the market, and the questions doctors ask before buying there.

Ontario

Toronto

Greater Toronto Area

Double land transfer tax. High-priced, balanced to buyer-leaning.

Toronto physician mortgages

Ottawa

National Capital Region

Ontario LTT, no municipal surcharge. Stable, balanced.

Ottawa physician mortgages

Hamilton

Greater Hamilton Area

Ontario LTT, no municipal surcharge. Attainable, buyer-leaning.

Hamilton physician mortgages

London

Southwestern Ontario

Ontario LTT, no municipal surcharge. Attainable, balanced.

London physician mortgages

Kitchener-Waterloo

Waterloo Region

Ontario LTT, no municipal surcharge. Attainable, balanced.

Kitchener-Waterloo physician mortgages

Mississauga

Peel Region

Ontario LTT, no municipal surcharge. High-priced, balanced.

Mississauga physician mortgages

Brampton

Peel Region

Ontario LTT, no municipal surcharge. Attainable for the GTA, balanced.

Brampton physician mortgages

Markham

York Region

Ontario provincial LTT only. High-priced, balanced.

Markham physician mortgages

Vaughan

York Region

Ontario provincial LTT only. High-priced, balanced.

Vaughan physician mortgages

Oakville

Halton Region

Ontario provincial LTT only. High-priced, balanced.

Oakville physician mortgages

Burlington

Halton Region

Ontario provincial LTT only. Balanced.

Burlington physician mortgages

Windsor

Windsor-Essex

Ontario provincial LTT only. Affordable, balanced.

Windsor physician mortgages

Kingston

Eastern Ontario

Ontario provincial LTT only. Balanced.

Kingston physician mortgages

Barrie

Simcoe County

Ontario provincial LTT only. Balanced.

Barrie physician mortgages

Guelph

Southwestern Ontario

Ontario provincial LTT only. Balanced.

Guelph physician mortgages

St. Catharines

Niagara

Ontario provincial LTT only. Affordable, balanced.

St. Catharines physician mortgages

British Columbia

Vancouver

Metro Vancouver

BC Property Transfer Tax. High-priced, balanced.

Vancouver physician mortgages

Victoria

Greater Victoria

BC Property Transfer Tax. High-priced, balanced.

Victoria physician mortgages

Kelowna

Okanagan

BC Property Transfer Tax. Balanced.

Kelowna physician mortgages

Surrey

Metro Vancouver

BC Property Transfer Tax. Growing, balanced.

Surrey physician mortgages

Abbotsford

Fraser Valley

BC Property Transfer Tax. Balanced.

Abbotsford physician mortgages

Nanaimo

Vancouver Island

BC Property Transfer Tax. Balanced.

Nanaimo physician mortgages

Alberta

Calgary

Calgary Metropolitan Area

No land transfer tax. Active, buyer-to-balanced.

Calgary physician mortgages

Edmonton

Edmonton Metropolitan Region

No land transfer tax. Affordable, balanced.

Edmonton physician mortgages

Quebec

Montreal

Greater Montreal

Welcome tax (droit de mutation). Attainable, balanced.

Montreal physician mortgages

Quebec City

Capitale-Nationale

Welcome tax (droit de mutation). Attainable, balanced.

Quebec City physician mortgages

Gatineau

Outaouais

Quebec welcome tax (droit de mutation). Affordable, balanced.

Gatineau physician mortgages

Laval

Greater Montreal

Quebec welcome tax (droit de mutation). Balanced.

Laval physician mortgages

Sherbrooke

Estrie

Quebec welcome tax (droit de mutation). Affordable, balanced.

Sherbrooke physician mortgages

Manitoba

Winnipeg

Winnipeg Metropolitan Region

Manitoba land transfer tax. Affordable, balanced.

Winnipeg physician mortgages

Nova Scotia

Halifax

Halifax Regional Municipality

Deed transfer tax (municipal). Attainable, balanced to seller-leaning.

Halifax physician mortgages

Saskatchewan

Saskatoon

No land transfer tax. Affordable, balanced.

Saskatoon physician mortgages

Regina

No land transfer tax. Affordable, balanced.

Regina physician mortgages

Newfoundland and Labrador

St. John's

Avalon Peninsula

No conventional land transfer tax. Affordable, balanced.

St. John's physician mortgages

New Brunswick

Moncton

Greater Moncton

NB Real Property Transfer Tax (1%). Affordable, growing.

Moncton physician mortgages

Prince Edward Island

Charlottetown

Prince Edward Island

PEI Real Property Transfer Tax (1%, FTB exempt). Affordable, balanced.

Charlottetown physician mortgages