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Alberta charges only 5% GST on materials, saving roughly $16,800 to $24,000 on a $400,000 build.

BC's Builders Lien Act holds back 10% of every payment, and lenders check warranty insurance first.

Manitoba builders register with the New Home Warranty Program before a lender funds the first draw.

New Brunswick builds carry Atlantic Home Warranty Corporation coverage, in place across the region since 1976.

Most Nova Scotia municipalities charge the full 1.5% deed transfer tax, $7,500 on a $500,000 finished home.

Each Ontario draw follows an inspection against the Building Code, with holdback now released annually.

Quebec lenders confirm an RBQ contractor licence before funding, and the RBQ directory lets you verify it.

Saskatchewan adds 6% PST to materials and labour, though contractors can buy exempt with a vendor's licence.

Short-term financing covering the gap between closing on your next home and completing the sale of the current one.

Secured and unsecured financing for kitchens, bathrooms, and energy upgrades, from 4.5% to 19.99% APR.

With no provincial sales tax, a $75,000 Alberta kitchen costs about $6,000 less in tax than in Ontario.

BC materials carry 12% combined PST and GST, a cost secured home equity borrowing helps absorb.