Verified real estate experts in Guelph

One verified expert per sector: broker, mortgage broker, inspector, lawyer and appraiser. Pick your neighbourhood.

1 sector 5 verified experts · as of

Sectors / neighbourhoods

Guelph

Guelph, in Ontario. Payotte lists a single verified professional per trade for the whole city — real estate agent,…

Verified Partial No expert · 1 dot per profession

Calculate for Guelph: buy or sell

Buy

Land transfer tax, down payment and mortgage in Guelph

No reference price published for Guelph: example at $500,000. Change any field and everything is recalculated.

Ontario land transfer tax$6,475
First-time buyer rebatetick “first-time buyer”
Tax to pay$6,475
Minimum down payment (federal rule)$25,000
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$400,000
Monthly payment, 25 years at 4.49%$2,212
Household income needed (stress test)$100,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (July 2026); your lender will set its own. Income needed: 6.49% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Guelph as everywhere in Canada (Income Tax Act).

Capital gain$100,000
Your principal residence (designated every year)$0 taxable
Other property (cottage, rental): taxable amount$50,000
Land transfer tax$0 — paid by the buyer
Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

By profession

Real Estate Broker
The best in Guelph
Mortgage Broker
The best in Guelph
Home Inspector
The best in Guelph
Real Estate Lawyer
The best in Guelph
Certified Appraiser
The best in Guelph

Property assessment in Guelph

Assessor: Municipal Property Assessment Corporation (MPAC): it assesses and classifies every property in Ontario. To appeal: Request for Reconsideration by March 31 of the tax year, or 120 days from the issue date on a Property Assessment Change Notice

Property assessment in OntarioHow to appeal: the guide

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