Seller Tools
Home Sale Proceeds Calculator Canada — Net After Commission
Calculate exactly how much money you'll keep after selling your Canadian home. Includes realtor commissions, HST, legal fees, mortgage payoff, and mortgage penalties.
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Frequently Asked Questions
How much commission does a realtor charge in Canada?+
Realtor commissions in Canada typically total 3.5%–5% of the sale price, split between the listing agent and the buyer's agent. Common structures include 2.5% to each agent or tiered rates. Commissions are negotiable and not regulated by law.
Is there HST on realtor commissions in Canada?+
Yes. Realtor commissions are subject to HST (13%) in Ontario and most provinces with HST. In provinces with only GST (Alberta, BC, Saskatchewan, Manitoba), GST of 5% applies. The seller is responsible for paying both the commission and the applicable tax.
What is a mortgage prepayment penalty?+
A mortgage prepayment penalty is a fee charged by your lender if you break your mortgage before the end of its term, such as when selling your home. Fixed-rate penalties are typically the greater of 3 months' interest or the Interest Rate Differential (IRD). Variable-rate penalties are usually 3 months' interest. Always check with your lender for the exact amount.
What are typical legal fees when selling a home in Canada?+
Legal fees for selling a home in Canada typically range from $800 to $1,500 plus disbursements. Your real estate lawyer handles the title transfer, mortgage discharge, and closing adjustments.