Turn a commission percentage into dollars, including GST or HST, and see what is left from the sale price after other selling costs.
Use this calculator to see what a listing agreement means in dollars. Enter the expected sale price, the total commission rate with sales tax included, any flat fees, and an estimate of your other selling costs.
Getting the rate right. Commission in Canada is negotiable and is usually written as a percentage of the sale price, sometimes split between the listing brokerage and the buyer's brokerage. GST or HST is charged on top of the commission. Multiply the commission rate by 1 plus the tax rate: in Ontario (13% HST) a 4% commission is 4 x 1.13 = 4.52%; in Alberta or BC (5% GST) it is 4 x 1.05 = 4.2%; in Quebec (5% GST plus 9.975% QST) it is 4 x 1.14975 = about 4.6%. If your agreement uses a tiered rate (for example a higher percentage on the first $100,000 and a lower one on the balance), work out the dollar commission first and enter it as a flat fee with a rate of 0.
Worked example (illustrative). A $900,000 Ontario sale at 4% plus HST gives $36,000 + $4,680 = $40,680. With $3,500 of other costs, the result is $855,820 left before the mortgage payout.
Limits. The calculator does not deduct your mortgage balance, any prepayment charge from your lender, property tax or utility adjustments, or capital gains tax. Ask your lender for a payout statement and your lawyer or notary for a draft statement of adjustments.
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