- Private sales are legal in New Brunswick.
- The buyer pays the 1% real property transfer tax.
- A real estate lawyer closes the sale and transfers title.
- Typical commission saved on a $350,000 home: $17,500.
Is it legal to sell your own home in New Brunswick?
Yes. Nothing in New Brunswick requires you to use a real estate agent. You can price, advertise and show your own home, negotiate directly with buyers and close through a lawyer. Agents are optional; the legal transfer of title is not, so line up a real estate lawyer before you list.
Who pays the real property transfer tax in New Brunswick?
The buyer. New Brunswick charges a flat 1% of the greater of the purchase price or the assessed value. A $500,000 home pays $5,000. There's no first-time buyer exemption.
Rules and paperwork for private sellers in New Brunswick
Lawyer at closing
A New Brunswick lawyer handles the deed, title search, mortgage payout, funds in trust and registration.
Assessed value matters
Because the transfer tax uses the greater of price or assessed value, buyers will check your assessment. Have your latest Service New Brunswick assessment handy.
Disclosure
No form is required for private sellers, but you can't hide known latent defects. Many sellers provide a voluntary disclosure statement.
Well and septic
For rural homes, expect requests for water tests and septic records.
Bilingual buyers
In bilingual areas, a short French version of your ad can widen your buyer pool.
How much commission you save in New Brunswick
Commission is negotiable, but on a $350,000 home a typical agent fee is about $17,500 (5% total, before HST). Selling privately with No Commission System, the seller pays $0. See realtor commission in Canada for more examples.
Step by step: selling privately in New Brunswick
- Talk to a lawyer and confirm the documents you'll need.
- Price from sold comparables in your area from the last 60 to 90 days. Pricing guide.
- Write your ad with the header "Zero Down Must Qualify / Bad Credit Money Down / Buy This House" and at least four bright photos. Ad guide.
- Screen every caller: do they need the private financing option, or are they pre-approved through a bank? Caller script.
- Show by appointment and get every offer in writing, with the deposit held in a lawyer's trust account.
- Close through lawyers, exactly like a bank-financed sale. How closing works.
How No Commission System helps New Brunswick sellers
We help for-sale-by-owner sellers in New Brunswick get more buyers by partnering with a private lender. You keep selling your home yourself and add a financing header to your ad. Buyers who can't get a bank mortgage call, our private lender qualifies them, and lawyers close the sale. No commission, no contract, no obligation.
Sell it yourself, with more buyers calling
Add the private-financing header to your ad and let our private lender qualify the buyers the banks turn away. No commission, no contract, no obligation. Listing takes about 5 minutes.
Frequently asked questions
Do I need a lawyer to sell my house privately in New Brunswick?
Yes, in practice. A lawyer prepares the deed, searches title, handles trust funds and registers the sale.
Who pays land transfer tax in New Brunswick?
The buyer pays the 1% real property transfer tax at closing.
How much commission would I save in New Brunswick?
Commission is negotiable, but at about 5% on a $350,000 home that's $17,500 plus HST.
How much does No Commission System cost the seller?
Nothing. There are no fees, no commission and no contract. We're paid on the buyer's side, through the private financing for buyers who can't get a bank mortgage.
Is this a scam? Can my house be stolen?
No. Nothing is signed with us. Once the lender approves a buyer and they write an offer, the buyer, the lender and you each choose your own lawyer. The lender sends the funds to their lawyer, who closes with your lawyer, exactly like a bank-financed sale.
Related guides
General information for Canadian home sellers, not legal, tax or financial advice. Rules and fees change, so confirm the details with a real estate lawyer in your province before you sell.