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Eligible senior homeowners can defer all or part of their municipal property taxes with a low-interest home equity loan.
You can repay your loan online through your financial institution’s bill payment function. For more information, see Loan Repayment.
Submit documents online: this online option is the easiest way to send your supporting documents, such as your property tax bill, to the Seniors Property Tax Deferral Program.
The Seniors Property Tax Deferral Program allows eligible senior homeowners to voluntarily defer all or part of their residential property taxes, including the education tax portion. This is done through a low-interest home equity loan with the Government of Alberta.
If you qualify, Seniors Property Tax Deferral Program will pay your residential property taxes directly to your municipality on your behalf.
A Seniors Property Tax Deferral Program factsheet is available with information on eligibility and how to apply.
The current interest rate is 2.70%. It is reviewed, and may be adjusted, every 6 months in April and October. Simple interest charges start on the date that the program pays your property taxes to the municipality on your behalf, and end when the loan is repaid in full.
“Simple interest” is only charged on the original amount of your loan (not on the loan plus interest).
Seniors Property Tax Deferral Program will register a caveat against your land title certificate to secure the loan you receive.
Monthly re-payments are not required. You can choose to repay the loan at any time, but it will automatically become due when:
Use the loan estimator to estimate your loan and interest charges for the Seniors Property Tax Deferral Program.
Eligibility is not based on your income.
To be eligible for this program, you must:
Only residential properties are eligible for the Seniors Property Tax Deferral Program.
The following will also be considered:
If there are outstanding municipal property tax amounts owed from previous years, you can still apply for a loan, as long as you have a minimum of 25% equity in your home.
For full eligibility details, read the Seniors Property Tax Deferral Program Information Guide, Loan Application and Agreement
You can apply at any time of the year.
However, you must apply at least 30 days before the municipal property tax deadline (usually June 30th of each year) to avoid penalties and allow enough time for the application to be processed and for the tax payment to be made on your behalf to your municipality.
For example, if the municipal property taxes are due on June 30, Seniors Property Tax Deferral Program staff should receive the application at least by May 31.
You will be responsible for any late charges incurred by missing your municipal property tax deadline.
You may choose to pay those late charges directly to your municipality or add them to the dollar amount of your loan application.
You can defer your taxes for up to 10 years without having to submit an application each year.
Review the Seniors Property Tax Deferral Program Information Guide, Loan Application and Agreement.
Complete and sign the Loan Application and Agreement
Include a copy of your municipal property tax bill for the year you are applying for.
Original signatures are required to accept an application. You must mail your completed and signed application to the address below:
Seniors Property Tax Deferral Program
PO Box 1200 STN Main
Edmonton, Alberta T5J 2M4
You may submit supporting documents, such as your property tax bill, by mail or online using the link below.
Submit supporting documents online
The Government of Alberta reserves the right to deny an application for any reason at its sole discretion.
Monthly repayments are not required. You can choose to repay all or part of the deferred taxes and interest at any time without penalty, but it will automatically become fully due when:
Payments toward the loan will apply to the interest first.
Once the loan is repaid in full, the caveat will be discharged from the land title certificate.
Please select one of the following options to repay all or part of your loan:
Option 1: Repay your loan online through your financial institution’s bill payment function, if you bank with:
Follow the steps below to get setup:
Once completed, you may make online payment(s) towards the balance of your loan.
Option 2: Provide a cheque or money order payable to the Government of Alberta, write your Personal Health Number on the cheque and mail it to:
Seniors Property Tax Deferral Program
PO Box 1200 STN Main
Edmonton, Alberta T5J 2M4
To determine the outstanding balance owed on your loan, contact the Alberta Supports Contact Centre. Staff will ensure that a program specialist contacts you directly and prepares a payout statement for your reference.
The Seniors Property Tax Deferral Program previously partnered with Alberta Treasury Branches to administer approved loans. As of April 1, 2018, the Government of Alberta will administer the program. If you have any questions about your loan, call the Alberta Supports Contact Centre toll-free at 1-877-644-9992.
When an applicant who has a Seniors Property Tax Deferral Program loan passes away, the full amount of the loan and any interest will become due. However, existing loans and eligibility to apply for future loans may continue for a surviving spouse/partner if the spouse/partner:
Connect with the Alberta Supports Contact Centre:
Hours: 7:30 am to 8 pm (open Monday to Friday, closed statutory holidays)
Toll free: 1-877-644-9992
Address:
Seniors Property Tax Deferral Program
PO Box 1200 STN Main
Edmonton, Alberta T5J 2M4
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