Resources · Payotte

Resources — all of Payotte beyond the directory

In brief

Beyond our expert listings, Payotte publishes practical guides — verify a licence, choose a broker, estimate your closing costs, understand first-time buyer programs — and studies on the Canadian real-estate market. Everything is free, ad-free, and backed by official sources, to help you decide with confidence. Here is the full library.

Practical guides

22 articles

Verify a real-estate professionalNew The regulator and official register to verify a broker, notary, inspector or appraiser — all 5 professions, province by province.
Choosing a real-estate broker The criteria that separate a good broker from an average one — beyond the licence and the commission.
Choosing a mortgage broker Broker or bank, posted rate or real rate: how to assess who builds your financing.
Closing costs by province Welcome tax, notary, inspection, mortgage insurance: what a purchase really costs, by province.
First-time buyer programs FHSA, HBP, incentives: the federal and provincial programs for a first purchase, explained.
Affordability: how much can you borrow?New GDS, TDS, stress test — the math explained, and the quantified effect of every debt — with a calculator.
Renewal: avoiding the 2026 shockNew The 2020-2021 term wall, your right to shop without a new test, and five levers — with a shock calculator.
Fixed or variable rateNew The real difference is in the exit penalty and the trigger rate, not the rate — with a comparison calculator.
Mortgage penalty: 3 months or IRDNew Both formulas, the posted-rate trap that inflates the IRD, and five ways to avoid it — with a calculator.
Welcome tax (Quebec)New The exact bracket math, the municipal surcharge up to 3%, and the bill that arrives after closing — with a calculator.
Down payment: 5% or 20%?New The real cost of the insurance premium once financed, the tax due in cash, and when 5% is still the right call — with a calculator.
HBP + FHSA: stacking bothNew Up to $100,000 of tax shelter per person for the same purchase: the rules, the optimal order, the deadlines — with a calculator.
Self-employed mortgageNew Qualifying without a T4: the two-year averaged net, the effect of deducted expenses and the admissible add-backs — with a calculator.
Refinancing & HELOCNew Unlocking up to 80% of your home's value: refi vs HELOC, worked debt consolidation — with an equity calculator.
Alternative (B) lendersNew When the bank says no: what a B lender's "yes" really costs, and the exit back to an A rate — with a calculator.
Bridge loan: buy before sellingNew How interim financing works, the firm-sale condition and the alternatives — with a cost calculator.
Selling: your net proceedsNew Commission and taxes, discharge, survey: everything that comes out of the sale proceeds — with a net calculator.
Pre-purchase inspectionNew Price, real scope, and the verified licence map — including Quebec's mandatory RBQ certificate in 2027 — with a calculator.
The lawyer at closingNew Titles, discharges, adjustments: the three checks that prevent disasters — with an adjustments calculator.
Assessment vs market valueNew Why the municipal roll is not a price, the comparative factor that corrects it, and when to hire an appraiser — with a calculator.
Experts by language Find a professional who serves you in your language, across Canada.
Expert columns In-depth columns signed by verified professionals — financing, market, buying. Sponsored content, clearly labelled.

Data & studies

8 articles