Book a 45-minute call with ClearCut Strategy before you go to the dealership, or have ClearCut Clarity review the deal you have been quoted before you sign. We advise you, and you deal with the dealership yourself.
ClearCut Auto Inc. is a licensed broker-agent in British Columbia. Outside British Columbia, ClearCut Strategy and ClearCut Clarity are advisory only: we advise you, the buyer, and never contact the dealership.
We are fee-only. You pay a flat fee, and no dealership, lender or third party pays us anything. You deal with the dealership yourself, with a professional in your corner.ClearCut Auto Inc. · Broker-agent licence B70016 · British Columbia
Buying a vehicle in New Brunswick
Four things that work differently in New Brunswick.
What the Government of New Brunswick, FCNB and the Canada Revenue Agency say about tax, prices, registration and your protection as a buyer.
01 · Sales tax
15% on every vehicle, one way or another.
New Brunswick applies a 15% tax to all vehicles. Buy from a dealer, or any GST/HST registrant in Canada, and you pay 15% HST. Buy privately and you pay 15% Provincial Vehicle Tax instead, collected by Service New Brunswick when ownership is transferred, on the fair value of the vehicle: the greater of the bill of sale price and its average wholesale value.
A private sale is not a tax saving here. The 15% is collected at transfer.
02 · Prices and fees
Compare grand totals, in writing.
The Financial and Consumer Services Commission (FCNB) reminds buyers that the cost of a vehicle includes taxes, freight and other fees, and that you need the grand total after all taxes, fees and financing charges. New Brunswick's proposed Consumer Protection Act will cover buying a vehicle at a dealership once it is implemented; FCNB gives no date yet.
Do not be swayed by the sticker price or the payment. Ask for the grand total.
03 · Registration
Tax and fees are paid when the vehicle is transferred.
To register a used vehicle you need the current registration or a titling document, an acceptable bill of sale and proof of valid insurance, and sales tax and motor vehicle fees are collected at the time of transfer. Automobile insurance is mandatory, with minimum third-party liability coverage of $200,000. Since April 1, 2026, registration stickers are no longer issued or required.
Have your insurance in place before the transfer.
04 · The regulator
Dealers are licensed, and the law protects dealer sales.
Dealers of new and used motor vehicles need a dealer licence, which requires a $10,000 security bond for most dealer types and at least 15 sales a year, and you can ask to see a dealership's Motor Vehicle Dealer Licence. When you buy from a dealer, the Consumer Product Warranty and Liability Act protects you, and you cannot sign those protections away with a waiver or disclaimer. It does not apply to private sales.
Be wary of any form that asks you to waive your rights.
Checked against the official sources below on October 26, 2026. Rules change, so confirm anything you rely on with the source.
A plan before you shop, or a second opinion before you sign.
Before you shop
ClearCut Strategy
$150 plus GST or HST for your province, calculated at checkout
For clients who intend to engage with the dealership independently but want professional coaching first.
A single 45-minute phone consultation on how to negotiate a vehicle purchase: theory and approach
Deal structure guidance: what should and shouldn't appear in a typical dealer quote, including fees, add-ons, and dealer-installed extras
Financing strategy consultation and term structure guidance: how to evaluate interest rate, term length, and monthly payment options
Negotiation strategy: coaching on what to say, what to ask, when to push, and when to walk away
Dealership insight: common tactics used at dealerships and how to navigate them confidently
No specific deal, quote, or numbers are reviewed: you implement the approach independently
Advisory-only scope under this service level. No dealer communication, negotiation, or third-party representation is included.
Best for: Confident buyers who intend to negotiate their vehicle purchase themselves, but want professional preparation before walking into the dealership.
$250 plus GST or HST for your province, calculated at checkout
For clients who want to negotiate independently but want a professional second opinion before committing.
Review of the agreed vehicle purchase price, deal structure, and every product and charge appearing on the quote or purchase agreement
Assessment of whether the purchase price and overall deal are fair relative to current market conditions
If financing terms (interest rate, term length, monthly payment) appear on the dealer's quote, those terms are reviewed and guidance is given on the rate. ClearCut does not introduce a lender, suggest another lender, or help with any credit application
Identification of any concerns with any element of the deal (price, fees, financing, or back-end products) before you sign
Findings given on a call and in a written summary provided to you
For licensed insurance products (life, disability, and critical illness coverage), ClearCut Auto Inc. does not provide licensed insurance advice; any insurance-specific advice must be obtained from a properly licensed insurance professional
What you provide: The dealer's quote or purchase agreement for the deal to be reviewed, with personal identifiers removed as set out in Section 5 of the Agreement.
How findings are delivered: On a call and in a written summary. The summary is written for your own decision. It is not addressed to, or written for, the dealer or any lender.
One quote per purchase: Each Clarity purchase is one review of one quote or purchase agreement. A revised or different quote is a separate purchase. The service ends when the written summary is delivered.
Clarity is a professional evaluation of the deal you were quoted. It never tells you whether to buy.
Advisory only. No dealer or lender communication, negotiation, or representation of any kind is included.
Best for: First-time buyers, family vehicle purchases, or anyone who wants peace of mind that the deal they have negotiated is fair before they sign.
ClearCut is not your broker, agent or representative. The National Advisory Services Agreement does not appoint ClearCut to act for you, and ClearCut has no authority to act, sign or speak for you with anyone.
Under either service, ClearCut does not:
contact, communicate with or negotiate with any dealer, private seller, lender, warranty provider or other third party, at any stage;
find or source a vehicle, or arrange a purchase;
arrange financing or a lease, introduce you to a lender, suggest taking the deal to another lender, or help complete a credit application;
accept, hold or transfer any money for a vehicle purchase. You pay the seller directly and take title from the seller;
prepare any letter, form or other document for you to give to a dealer or lender;
set a target price, prepare a counteroffer or lay out a negotiation plan for a specific deal;
advise whether you should go ahead with a purchase;
advise on life, disability or critical illness insurance. Those are licensed insurance products, and advice on them must come from a properly licensed insurance professional; or
sign, accept or decline anything on your behalf.
You deal with the dealership directly, make every decision, and decide alone whether to sign any quote or purchase agreement. ClearCut does not guarantee financing approval, vehicle availability, any price, or any savings.
Book and pay
Pay, then pick your time.
Online checkout for buyers in New Brunswick. GST or HST for your province is calculated at checkout.
ClearCut Strategy
Before you pay
What you get: A single 45-minute phone consultation on how to negotiate a vehicle purchase: theory and approach. Advisory only: we advise you and never contact the dealership.
Fee: $150 plus GST or HST for your province, calculated at checkout. The tax and the total are shown at checkout before you pay.
Agreement: the National Advisory Services Agreement (NAS 09/2026), accepted at checkout. Read it before you pay. Stripe emails your receipt when you pay, and we email you a copy of the Agreement within one business day.
Refunds: Paid in advance. Your call takes place within 30 days of payment, at a time you choose after checkout. If we can't deliver it in that window, email info@clearcutauto.ca to cancel and we'll refund the full amount within 15 days. Once your call has taken place, the fee is earned. These terms do not limit any right to cancel or obtain a refund that you have under the consumer protection law of your province.
Right after paying, you pick your time on the next page.
ClearCut Clarity
Before you pay
What you get: A review of one quote or purchase agreement you already have: price, deal structure, financing terms if they appear, and every product and charge on it. Findings on one call and in one written summary, written for your own decision. Advisory only: we never contact the dealer, a lender or the seller.
Fee: $250 plus GST or HST for your province, calculated at checkout. The tax and the total are shown at checkout before you pay.
Agreement: the National Advisory Services Agreement (NAS 09/2026), accepted at checkout. Read it before you pay. Stripe emails your receipt when you pay, and we email you a copy of the Agreement within one business day.
Refunds: Paid in advance. Your review takes place within 30 days of payment, at a time you choose after checkout. If we can't deliver it in that window, email info@clearcutauto.ca to cancel and we'll refund the full amount within 15 days. Once your review has taken place, the fee is earned. These terms do not limit any right to cancel or obtain a refund that you have under the consumer protection law of your province.
Right after paying, you pick your time on the next page.