Mortgage Discharge Cost Calculator (Canada)

Defaults are the average of common Canadian ranges and can be adjusted to match your exact quotes.

1) Choose lender type

2) Adjust costs (defaults pre-filled)

Discharge cost item Cost ($)
Lender discharge fee
Fee charged by the lender to process and issue discharge documents.
Legal fees (discharge registration)
Your lawyer registers the discharge on title and handles trust accounting.
Land registry / government fees
Title registration costs (varies slightly by province/territory).
Courier / admin / trust fees
Document handling, courier, wire/trust administration (varies by office/lender).
Additional lender legal/admin fees (optional)
Extra review or processing sometimes seen with alternative/private lenders.
Tip: overwrite any line item when you have an exact quote. Your edited fields will turn black.

3) Common “extras” (toggle on/off)

These show up more often with collateral charges and private/MIC lending. If it applies, toggle it on and adjust the cost.
Add-on cost ($)
Add-on cost ($)
Important: This calculator estimates discharge-related costs only (legal/admin/registration). It does not include mortgage penalties (IRD, 3-month interest, etc.). Always confirm exact fees with your lender and lawyer before making a decision.

Estimated total discharge cost

Estimated total
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Core items subtotal
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Extras subtotal
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Quick reality check

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