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.
Alberta has $0 provincial land transfer tax. Spruce Grove homebuyers keep thousands more at closing compared to Ontario or BC buyers — at every price point.
Get $120 with KOHO — Code BREMO2026Alberta charges no provincial land transfer tax on any home purchase. First-time buyer, move-up buyer, or investor — the provincial LTT bill is $0 in Spruce Grove.
Spruce Grove is a growing bedroom community located just west of Edmonton, known for its family-friendly neighbourhoods, well-funded parks and recreation facilities, and strong community spirit. The city has grown rapidly as Edmonton commuters seek more affordable housing options and a quieter suburban environment. Spruce Grove is home to the WHL's Spruce Grove Saints and has an active minor sports community.
On a $460,000 Spruce Grove home, an Ontario buyer would pay $6,075 in provincial land transfer tax. Alberta buyers pay $0. Land title transfer fees in Alberta on a $460,000 purchase total approximately $740. For young families buying their first home in Spruce Grove and stretching to afford mortgage payments, the $6,075 LTT savings versus Ontario is significant — nearly three months of mortgage payments on a typical Spruce Grove home.
Spruce Grove's benchmark detached home price sits around $450,000–$490,000 as of early 2026. The city consistently ranks highly for quality of life in Alberta, driven by low crime rates, excellent infrastructure, and proximity to Edmonton's employment base. ATB Financial and all major banks are accessible via Edmonton branches. KOHO's no-fee banking and $100 sign-up bonus appeal strongly to young families managing tight household budgets.
Grow your down payment faster. No monthly fees, up to 2% cashback, and a $100 sign-up bonus. Use code BREMO2026.