No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Land transfer tax (LTT) is paid when you buy property in Canada. Most provinces charge it — Alberta and Saskatchewan are exceptions. This calculator covers all provinces plus Toronto's extra municipal land transfer tax.
Most provinces levy LTT. Alberta and Saskatchewan do not have a provincial land transfer tax, though you may pay a land title transfer fee. Toronto is the only city in Canada with its own municipal LTT on top of Ontario's provincial tax.
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