First-Time Home Buyers in Newfoundland: Programs, Costs and Steps
The FHSA, the Home Buyers’ Plan, the tax credit, the GST/HST rebate on new homes, down payments, and the steps in order.
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Guides for buying and selling in St. John’s
Plain-language guides to the local rules, costs and programs that come up in almost every move — checked against official sources.
Guides
The things everyone asks about.
Each guide starts with a short summary and lists its sources at the end. Have a question we haven’t covered? Send it our way.
For Buyers
For Buyers
Closing Costs When Buying a Home in Newfoundland
No land transfer tax — but registration fees, legal fees, the inspection and adjustments, with a worked example.
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Costs
Property Tax by Town in the St. John’s Area (2026)
Mill rates, minimum tax and water and sewer fees for eight communities, how to work out the tax on a home, appeals and discounts.
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For Buyers
Buying a Two-Apartment Home in St. John’s
What the City allows, how to check an apartment was approved, how the rent counts for a mortgage, and being a landlord.
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Home Systems
Oil Tanks in Newfoundland and Labrador
Registration, the date on the tag, what to check when you buy or sell, leaks, insurance, and rebates for switching to electric heat.
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Home Systems
Heat Pump Rebates in Newfoundland and Labrador
Which rebates and financing fit your home, choosing a heat pump, and what to check when you buy or sell a home with one.
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Families
School Zones in St. John’s and Area
How to find the zoned school for an address, busing, French Immersion, Kindergarten, transfers and the new schools on the way.
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Free Calculators
Run the numbers.
Built for Newfoundland and Labrador, with Canadian mortgage math. Nothing you enter is saved or sent anywhere.
Mortgage Payment Calculator
Your monthly payment, minimum down payment and CMHC insurance.
Open the calculator →Property Tax Calculator
Yearly property tax and water and sewer for towns across the St. John’s area.
Open the calculator →Rent vs. Buy Calculator
When buying pulls ahead of renting, year by year.
Open the calculator →Rental Property Calculator
Cash flow, cap rate, cash-on-cash return and IRR for an investment property.
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Free Guides by Email
Planning a move? Get the full guide.
Step-by-step guides to the whole process, sent straight to your inbox.
The Home Buyer’s Guide
From pre-approval to keys, with the costs to budget for.
Get the buyer’s guide →The Home Seller’s Guide
Pricing, prep, marketing and what you’ll walk away with.
Get the seller’s guide →The Upsizer’s Guide
Selling and buying at the same time, without the chaos.
Get the upsizer’s guide →Have a question about buying or selling in St. John’s?
We’re always happy to talk it through — no pressure, no obligation.