Newfoundland and Labrador buyer resources

Buying a home in Newfoundland and Labrador.

Programs, taxes and fees, licence checks and land titles for Newfoundland and Labrador, from official government and regulator pages.

First-time buyer programs

Each card links to an official government or regulator page, checked one by one.

First-time buyers
First-time Homebuyers Program (FHP), NL Housing
NL Housing's First-time Homebuyers Program offers a grant of half of legal closing costs up to $1,500, plus a repayable loan of up to 5% of the purchase price.
Visit nlhc.nl.ca
Reviewed October 5, 2026
First-time buyers
First Home Savings Account (FHSA), federal
The federal First Home Savings Account lets first-time buyers save tax-free toward a qualifying first home; participation room is $8,000 in the first year.
Visit canada.ca
Reviewed October 5, 2026
First-time buyers
Home Buyers' Plan (HBP), federal
The federal Home Buyers' Plan lets you withdraw up to $60,000 from your RRSPs to buy or build a qualifying home.
Visit canada.ca
Reviewed October 5, 2026
First-time buyers
First-Time Home Buyers' Tax Credit (home buyers' amount, line 31270), federal
The federal home buyers' amount is a non-refundable tax credit for first-time buyers; you can claim up to $10,000 for a qualifying home bought in 2025.
Visit canada.ca
Reviewed October 5, 2026

Taxes and fees
Registry of Deeds registration fees, Newfoundland and Labrador
Registering a deed at NL's Registry of Deeds costs $100, plus forty cents for each additional $100 of property value above $500; mortgages are charged on the same scale.
Visit gov.nl.ca
Reviewed October 5, 2026

Check a licence
Real Estate Regulation and valid licence lookup, Government Services
In Newfoundland and Labrador, the Department of Government Services licenses real estate brokers and salespersons and offers an online lookup of valid licence holders.
Visit gov.nl.ca
Reviewed October 5, 2026
Land titles
Registry of Deeds, Newfoundland and Labrador
NL's Registry of Deeds, in Government Services, holds real estate records back to the early 1800s; records from 1982 onward are searchable online through CADO, with search fees.
Visit gov.nl.ca
Reviewed October 5, 2026