Legal fees and disbursements
Your lawyer handles the title transfer and mortgage paperwork. Ask for a written estimate of fees and disbursements early.
Closing Costs
Closing costs: Alberta vs Saskatchewan.
Lloydminster sits on the border, so which side a home is on changes what you pay to close.
Who it's for
- Buyers deciding between homes on the Alberta and Saskatchewan sides of Lloydminster.
- First-time buyers budgeting for the cash needed at closing.
- Anyone relocating who wants to understand how the border affects buying costs.
How the team helps
Black Gold Real Estate, brokered by LPT Realty, is Jordan Bird, REALTOR® — 17 years serving clients in real estate and dual licensed in Alberta and Saskatchewan — and Bryce Patterson, REALTOR®. Together we serve Lloydminster and the surrounding communities, including rural acreage and farm properties.
- We point out border-related costs before you write an offer, not after.
- We help you compare homes on both sides on a like-for-like basis.
- We coordinate with your lawyer and lender so there are no surprises at closing.
Border Breakdown
Alberta side vs Saskatchewan side
Lloydminster sits on the border, so which side a home is on changes your closing costs.
Alberta
- Land title fees: roughly $1 per $1,000 of value — $5 per $5,000 plus a $50 base fee.
- Applies twice: on the title transfer and on the mortgage registration.
- No PST on mortgage default insurance.
Saskatchewan
- Title transfer fee: 0.3% of the property's value.
- 6% PST on mortgage default insurance — e.g. about $900 more on a $400,000 purchase at 5% down, paid in cash at closing.
- This applies within Lloydminster too on the Saskatchewan side.
Figures are approximate and for general information only. Confirm current fees with your lawyer and lender.
Beyond the border
Other closing costs to plan for
Home inspection
A professional inspection is one of the best investments you can make before removing conditions.
Adjustments
Property taxes and some utilities are often adjusted at closing between buyer and seller. Your lawyer will show these on your statement of adjustments.
Insurance and moving
Lenders require home insurance in place by possession. Budget for movers, utility hookups and any immediate repairs.
FAQ
Common questions
General information only, not legal, tax or lending advice. Confirm details for your situation with us, your lawyer and your lender.
Free guide
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Talk it through with Jordan
A straight answer, no pressure — call 306-371-5888 or send a note.