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STRATEGY GUIDE 8 min read

Public Tender vs Auction

Understanding the two main formats for tax sales in Canada - and which one suits your investment strategy.

Updated December 2025 TaxSalesPortal Team

At a Glance

Public Tender

Sealed Bids

Submit sealed bids by deadline. Highest bidder wins. No one sees your bid.

Time to research thoroughly
No emotional bidding wars
Submit from anywhere
Can't adjust bid once submitted
No visibility into competition

PRIMARILY USED IN

Ontario

Public Auction

Live Bidding

Live bidding event. Compete openly with other buyers until one bid stands.

React to competition in real-time
Immediate results
Deals possible when no competition
Emotional pressure to overbid
Must attend in person (usually)

PRIMARILY USED IN

Alberta, BC, Nova Scotia, Saskatchewan, Manitoba

How Public Tenders Work

In a public tender (also called sealed bid), the municipality advertises properties for sale and sets a deadline for bids. Here's the typical process:

1

Property Advertisement

Municipality publishes list of properties with tender packages (typically 4-6 weeks before deadline).

2

Research Period

Bidders conduct due diligence, title searches, and property assessments.

3

Bid Submission

Submit sealed bid with required deposit (typically 20%) by deadline.

4

Opening & Award

Bids opened publicly. Highest bid above minimum wins (municipality can reject all bids).

5

Payment & Transfer

Winner pays balance (typically within 14 days). Title transferred after redemption period.

Tender Strategy Tip

Research comparable sales carefully. Your bid should account for the property's condition, the redemption period risk, and potential carrying costs. Don't just bid slightly above minimum - consider what the property is actually worth to you.

How Public Auctions Work

Public auctions are live events where bidders compete openly. The process is faster-paced and more competitive:

1

Pre-Auction Notice

Properties advertised (typically 2-4 weeks before auction date).

2

Registration

Register as a bidder (may require deposit or proof of funds).

3

Live Bidding

Auctioneer calls for bids starting at the upset price. Bidders compete until one bid stands.

4

Immediate Payment

Winner typically must pay full amount immediately (certified cheque, bank draft).

Auction Strategy Tip

Set your maximum bid BEFORE the auction and stick to it. The excitement of bidding can lead to overpaying. Write your number down and don't exceed it, no matter how competitive the bidding gets.

Which Format is Better for You?

Choose Tender if you...

  • Prefer to research extensively before committing
  • Can't attend in-person events
  • Want to avoid emotional bidding pressure
  • Are comfortable with uncertainty about competition

Choose Auction if you...

  • Want to see your competition
  • Can attend in person and enjoy the process
  • Have strong discipline to stick to your max bid
  • Want immediate results and faster process

Side-by-Side Comparison

Aspect Public Tender Public Auction
Time Pressure Low - weeks to decide High - seconds to decide
Competition Visibility None - sealed bids Full - see all bidders
Bid Adjustment Cannot change once submitted Can increase at any time
Attendance Required No - mail/online submission Usually yes - in person
Payment Timing Deposit now, balance in ~14 days Full payment at auction
Emotional Risk Lower - time to think Higher - competitive pressure

Ready to Start Bidding?

Browse tax sale properties using both tender and auction formats across Canada.

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