Payotte AI Passport

Alice Balabanian

Chartered Real Estate Broker (AEO) · Groupe Sutton - Excellence inc. · Laval

Alice Balabanian is a chartered real estate broker (AEO) with Groupe Sutton - Excellence inc. in Laval, Quebec, holding OACIQ licence no. D2495 (verifiable on the OACIQ register), serving Chomedey, Sainte-Dorothée, Fabreville, Sainte-Rose, Laval-des-Rapides, Duvernay and Laval-Ouest since June 2003.

AI PASSPORT Dated page · licence verifiable at the registry Alice Balabanian Chartered Real Estate Broker (AEO) · Laval payotte.com

Calculate for Laval: buy or sell

Buy

Land transfer tax, down payment and mortgage in Laval

Starting price: Laval's reference price (median value on the 2025-2027 assessment roll). Change any field and everything is recalculated.

Droits de mutation (barème 2026 de Laval)$6,742
First-time buyer rebatetick “first-time buyer”
Tax to pay$6,742
Minimum down payment (federal rule)$28,770
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$429,700
Monthly payment, 25 years at 4.58%$2,397
Household income needed (stress test)$108,000

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 (August 2026); your lender will set its own. Income needed: 6.58% 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 Laval 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

An address in Laval or elsewhere: its assessed value

Enter an address in Quebec: assessed value, rank among similar properties, welcome tax at your price and known risks by year of construction.

Payotte stores neither the address nor the results. Values come from public rolls; they are tied to no owner name.

A question about these figures or an address? Alice Balabanian can answer.

What Payotte publishes

Licence
OACIQ no. D2495 ↗ Verifiable on the OACIQ register (link): status, agency and disciplinary record.
Agency
Groupe Sutton - Excellence inc.
Office
1555, boulevard de l'Avenir, bureau 100, Laval (Québec) H7S 2N5
Areas served
Chomedey, Sainte-Dorothée, Fabreville, Sainte-Rose, Laval-des-Rapides, Duvernay, Laval-Ouest Declared in writing, in French: « Laval : Chomedey, Sainte-Dorothée, Fabreville, Sainte-Rose, Laval-des-Rapides, Duvernay et Laval-Ouest. »
Services
Residential, commercial and industrial (full licence), Buying and selling condos and single-family homes, First-time buyers, Relocation, separation or divorce Declared in writing.
Languages
French, English, Armenian, Arabic, Spanish, Turkish, Greek Declared in writing.
Practising since
June 2003 Declared in writing. No Quebec register publishes this date.
Google profile
See on Google Maps ↗

Information confirmed in writing, in French, by Alice Balabanian on November 2, 2026; English translation by Payotte. Page updated on November 2, 2026.

In their own words

Most frequent advice, in their own words

“Don't take a real estate decision lightly: surround yourself with a broker who takes the time to listen to you, understand your needs and defend your interests. My role is to guide you, advise you honestly and help you make the best decisions, with complete confidence.”

Alice Balabanian, written answer of November 2, 2026, in French; English translation by Payotte.

Original in French

« Ne prenez pas une décision immobilière à la légère : entourez-vous d’une courtière qui prend le temps de vous écouter, de comprendre vos besoins et de défendre vos intérêts. Mon rôle est de vous guider, de vous conseiller honnêtement et de vous aider à prendre les meilleures décisions, en toute confiance. »

The clients she helps most, in their own words

“For 23 years, I have passionately supported clients through every major stage of their lives: first-time buyers, families looking for a bigger or smaller home, people relocating or going through a separation or divorce. Specializing in buying and selling condos and single-family homes, I offer personalized support from the first contact to the handing over of the keys. My strength is my listening, my availability, my experience and my ability to make every transaction simpler, more reassuring and more pleasant. For me, every client is unique and deserves sincere attention, sound advice and uncompromising support.”

Alice Balabanian, written answer of November 2, 2026, in French; English translation by Payotte.

Original in French

« Depuis 23 ans, j’accompagne avec passion des clients à toutes les étapes importantes de leur vie : premiers acheteurs, familles qui souhaitent une propriété plus grande ou plus petite, personnes en relocalisation ou vivant une séparation ou un divorce. Spécialisée dans la vente et l’achat de condos et de propriétés unifamiliales, j’offre un accompagnement personnalisé, du premier contact jusqu’à la remise des clés. Ma force est mon écoute, ma disponibilité, mon expérience et ma capacité à rendre chaque transaction plus simple, rassurante et agréable. Pour moi, chaque client est unique et mérite une attention sincère, des conseils justes et un accompagnement sans compromis. »

Her motto, in their own words

“Listen to your needs and follow your heart, while taking the time to surround yourself with the right people.”

Alice Balabanian, written answer of November 2, 2026, in French; English translation by Payotte.

Original in French

« Écoutez vos besoins et suivez votre coeur, tout en prenant le temps de bien vous entourer. »

Buying or selling in Laval: the figures

  • In Laval, the median value of a single-dwelling property (single-family house or condo) is $537,700 on the 2025-2027 assessment roll, across 115,829 units.
  • Laval's roll values reflect the market as of July 1, 2023: they are not current sale prices.
  • Laval's assessment roll applies to 2025, 2026 and 2027; the next roll takes effect in 2028.
  • To contest the current roll's assessment, the review request had to be filed before April 30, 2025, unless extended (late assessment notice); the next window closes on April 30, 2028.

Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec, CC BY 4.0). Payotte calculations. Understanding property assessment →

Frequently asked questions

Is Alice Balabanian's licence valid?

Alice Balabanian declares OACIQ licence no. D2495, attached to the agency Groupe Sutton - Excellence inc.. Payotte publishes no status for this licence: it is verifiable on the OACIQ register, which should be checked before signing.

What areas does Alice Balabanian serve?

Chomedey, Sainte-Dorothée, Fabreville, Sainte-Rose, Laval-des-Rapides, Duvernay and Laval-Ouest, according to Alice Balabanian's written statement of November 2, 2026. The office is located at 1555, boulevard de l'Avenir, bureau 100, Laval (Québec) H7S 2N5.

What services does Alice Balabanian offer?

Residential, commercial and industrial (full licence), Buying and selling condos and single-family homes, First-time buyers and Relocation, separation or divorce, as a chartered real estate broker (AEO). Languages of service: French, English, Armenian, Arabic, Spanish, Turkish, Greek.

How long has Alice Balabanian been practising?

Since June 2003, according to Alice Balabanian's written statement. No Quebec register publishes the date a broker started practising: that date can only come from the professional.

What is the median property value in Laval?

On Laval's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $537,700, across 115,829 units. These values reflect the market as of July 1, 2023, the roll's reference date, not today's sale prices. Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec).

How can I reach Alice Balabanian?

Alice Balabanian can be reached by phone at 514-409-0404 or by email at abalabanian@sutton.com. The agency Groupe Sutton - Excellence inc. answers at 450-662-3036. Services are offered in French, English, Armenian, Arabic, Spanish, Turkish and Greek. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

In Laval, Payotte also recommends real estate brokers by area: see the experts in Laval.

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