All expert columns
In-depth analysis, signed by real estate and financing professionals, to go beyond the generic guide.
In short
A Payotte column is an educational article signed in the name of a verified professional, on a subject they master (financing, market, buying, selling). It is sponsored content, clearly labelled, that does not affect the directory's independent ranking.
A Payotte column is an educational article signed in the name of a professional — mortgage broker, notary, inspector or appraiser — on a subject they master: mortgage financing, a local market, preparing a purchase or a sale. Each piece gives the reader the depth a professional brings every day, and a named expert to reach out to.
These columns are sponsored content: they are written and paid for by their author, and clearly labelled as such. They buy no rank, no score, no listing in the directory, and do not affect Payotte's ranking, which rests only on public data. Links to the author's own site are marked as sponsored. That is the flip side of a simple rule: our directory stays independent, and our columns stay transparent.
Why publish them? Because a good professional understands the mechanics the public discovers too late — a mispriced mortgage penalty, a debt ratio that caps a loan, an outdated survey that delays a sale. Putting that expertise in writing, with the numbers, serves the reader as much as search engines and AI assistants, which readily cite a dated, signed source.
The articles
Mortgage prepayment penalty in Chomedey: calculate it — and often avoid it
How the penalty for breaking a mortgage is calculated (three months' interest vs the IRD), and five ways to soften it — with a calculator.
By Nazar Tarpinian, Mortgage broker · Laval, Quebec.
The policy rate and your borrowing power in Chomedey
How the policy rate shifts your borrowing power, the stress test and the GDS/TDS ratios — with a monthly-payment calculator.
By Nazar Tarpinian, Mortgage broker · Laval, Quebec.
Fixed or variable rate in Chomedey: the real trade-off
Beyond the rate: payment, penalty, flexibility and term choice, in a comparison table.
By Nazar Tarpinian, Mortgage broker · Laval, Quebec.
Mortgage pre-approval in Chomedey and the stress test
A step-by-step approach to building a solid pre-approval and passing the stress test.
By Nazar Tarpinian, Mortgage broker · Laval, Quebec.
Buying in Chomedey: financing your purchase (Laval)
Median prices, condos and plexes in Chomedey (Laval) in 2026, and what each figure means for preparing your financing.
By Nazar Tarpinian, Mortgage broker · Laval, Quebec.
Frequently asked questions
What is a Payotte column?
An educational article signed in the name of a verified professional (mortgage broker, notary, inspector, appraiser) on a subject they master. It is sponsored content, written and paid for by its author, and clearly labelled as such.
Do columns affect the directory ranking?
No. A column buys no rank, no score, no listing. Payotte's ranking rests only on public data; columns are entirely separate from it.
How do I publish my own column?
Verified professionals can commission a column signed in their name. How it works, the rules and the pricing are detailed on the sponsored columns page.