Seniors Property Tax Deferral Program

The Seniors Property Tax Deferral Program (SPTDP) allows eligible senior homeowners to defer all or part of their property taxes through a low-interest home equity loan with the Alberta government.

How it works

If you qualify, the Alberta government will pay your residential property taxes directly to your municipality on your behalf. You re-pay the loan, with interest, when you sell the home, or sooner if you wish.

The SPTDP is voluntary, so it’s up to you whether you want to apply.

As with any important financial decision, you may wish to consult with your family or a financial adviser to decide whether this program is right for you.

Eligibility

To qualify for the Seniors Property Tax Deferral Program, you must:

  • Be 65 years or older 
  • Be an Alberta resident 
  • Own a residential property in Alberta 
  • Have a minimum of 25% equity in your home

Only residential properties are eligible. The home must be your primary residence (that is, the place where you live most of the time).

Apply

Apply today for the Seniors Property Tax Deferral Program and free up money for other household priorities or expenses.

Fill out an application form

Application submission

You can apply for the SPTDP at any time. However, to allow enough time for your application to be processed and payment forwarded to your municipality (and avoid penalties), you should apply at least 30 days before the property tax deadline.

  • For example, if your taxes are due on June 30, we should receive your application by May 31.

Mail your completed application form to:

Seniors Property Tax Deferral Program
PO Box 1200
Edmonton, Alberta T5J 2M4

Late application

You can apply at any time of year. If you miss your municipal property tax deadline, however, you will be responsible for any late charges. You can choose to pay those charges directly to the municipality or you can have these charges added to the amount of your loan.

Outstanding property taxes

If you owe money from previous years’ property taxes, you can still apply to the SPTDP, as long as you have a minimum of 25% equity in your home.

Loan repayment

You can choose to repay the loan at any time, but it will automatically become due when:

  1. You sell your home;
  2. You are no longer a registered owner; or
  3. The home is no longer your primary residence

To repay your loan or make a partial payment, visit your nearest ATB branch and provide your loan number which can be found on your loan statement.

Make your cheque payable to the Government of Alberta and write your loan number on the cheque.

Questions? Need assistance?

  1. Read questions and answers about Seniors Property Tax Deferral Program 
  2. Read the Seniors Property Tax Deferral Program brochure PDF icon
  3. Or call the Alberta Supports Contact line at 1-877-644-9992 (780-644-9992 in Edmonton).

Additional resources