Calculate the land titles registration fees for your home purchase in Nunavut. Nunavut does not charge a traditional land transfer tax — instead, there are modest registration fees based on the property value and mortgage amount.
Nunavut Land Titles Fee Schedule
Nunavut charges land titles fees rather than a land transfer tax. The fee structure is similar to the Northwest Territories.
Property Transfer Fee
| Property Value | Fee |
|---|---|
| Up to $1,000,000 | $1.50 per $1,000 of property value (minimum $100) |
| Over $1,000,000 | $1.50 per $1,000 on first $1M + $1.00 per $1,000 on remainder |
Mortgage Registration Fee
| Mortgage Amount | Fee |
|---|---|
| All amounts | $1.00 per $5,000 of mortgage amount (minimum $80) |
How to Calculate Nunavut Land Titles Fees
Example: For a $400,000 home with a $320,000 mortgage:
Property Transfer Fee:
- $400,000 / $1,000 x $1.50 = $600
Mortgage Registration Fee:
- $320,000 / $5,000 x $1.00 = $64
- Minimum fee applies: $80
Total Nunavut Fees: $600 + $80 = $680
Nunavut vs Other Provinces
Nunavut’s fee-based system is one of the most affordable in Canada:
| Province/Territory | Cost on $400,000 Home |
|---|---|
| Nunavut | ~$680 (fees) |
| Yukon | ~$250 (fees) |
| Alberta | ~$750 (fees) |
| Ontario | $4,475 (LTT) |
| BC | $6,000 (PTT) |
First-Time Homebuyer Programs in Nunavut
Nunavut does not offer a territorial first-time homebuyer exemption for land titles fees. However, first-time buyers can take advantage of several federal programs:
- Home Buyers’ Plan (HBP): Withdraw up to $60,000 from your RRSP tax-free for a first home purchase
- First Home Savings Account (FHSA): Save up to $40,000 tax-free for your first home
- Home Buyers’ Tax Credit: Federal non-refundable tax credit of up to $1,500
Other Closing Costs in Nunavut
Land titles fees are only one part of the total cost of purchasing a home in Nunavut. Other closing costs include legal fees, title insurance, home inspection fees, property tax adjustments, and mortgage default insurance if your down payment is less than 20%. Housing costs in Nunavut tend to be higher due to the remote location, limited housing supply, and high construction costs. Use our closing costs calculator to estimate all your buying costs, and our mortgage calculator to calculate your expected monthly payments.
Land Transfer Tax in Other Provinces
Land transfer tax rates and rules vary across Canada. See our Land Transfer Tax Calculator for a complete comparison of rates in all provinces and territories.
Nunavut Fees by Home Price
| Purchase Price | Property Fee | Mortgage Fee (80% LTV) | Total |
|---|---|---|---|
| $200,000 | $300 | $80 | $380 |
| $300,000 | $450 | $80 | $530 |
| $400,000 | $600 | $80 | $680 |
| $500,000 | $750 | $100 | $850 |
| $600,000 | $900 | $120 | $1,020 |
Nunavut vs Other Territories and Provinces
| Region | Transfer Cost on $400K Home | Notes |
|---|---|---|
| Nunavut | ~$680 | Land titles fees only |
| NWT | ~$680 | Identical fee structure |
| Yukon | ~$250 | Flat tiered fees |
| Alberta | ~$900 | Registration fees only |
| Saskatchewan | ~$1,360 | Land titles fees |
| Manitoba | ~$5,650 | Progressive LTT (2% top rate) |
| Ontario | $4,475 | Progressive LTT |
Nunavut and the NWT have identical fee structures and are among the cheapest places in Canada for property transfers.
Total Closing Costs in Nunavut
Property prices in Nunavut — particularly Iqaluit — can be surprisingly high due to remote construction costs. However, the transfer fees remain very low.
| Closing Cost | Estimated Amount ($400K home) |
|---|---|
| Land titles transfer fee | $600 |
| Mortgage registration fee | $80 |
| Legal fees | $1,500–$2,500 (higher than southern Canada) |
| Home inspection | $500–$900 |
| Shipping/logistics costs | Varies significantly |
| Total estimated closing costs | $2,680–$4,080+ |
Legal fees in Nunavut tend to be higher than in southern provinces due to the limited number of real estate lawyers and the complexity of land title issues (some land in Nunavut involves Inuit land claims and requires additional due diligence).