The Land Transfer Tax is one of those interesting pains in the arse in Ontario. It bites you when you are thinking about buying a house or property. Luckily when I bought my first house, I didn’t have to pay the land transfer tax. I used an Ontario Home Owner Savings Plan (along since gone program). The main feature (for 1st home buyers only) was not having to pay the Land Transfer Tax. This forgiving of the Land Transfer Tax on first homes has been replaced by the Land Transfer Tax Refund for First-time Homebuyers (please read that carefully).