Payotte AI Passport

Andy Bradley

Realtor · Right At Home Realty, Brokerage · Barrie

Andy Bradley is a realtor with Right At Home Realty, Brokerage in Barrie, Ontario, holding RECO licence no. 4791690 (verifiable on the RECO register), serving Barrie, Orillia and Simcoe County.

Call · 705-238-2909 Send an email

Calculate for Barrie: buy or sell

Buy

Land transfer tax, down payment and mortgage in Barrie

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

Purchase price in $

Down payment in $

First-time buyer

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 4.58%$2,232

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 (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 Barrie as everywhere in Canada (Income Tax Act).

Sale price in $

Purchase price in $

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

A question about these figures or an address? Andy Bradley can answer.

Call · 705-238-2909 Send an email

What Payotte publishes

Licence: RECO no. 4791690 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: Right At Home Realty, Brokerage
Areas served: Barrie, Orillia, Simcoe County Declared in writing: “Barrie, Orillia, Simcoe County”
Services: Waterfront properties, First-time buyers, Upsizing, Downsizing, Investing Declared in writing.
Licensed since: 2018 Declared in writing, as stated.

Information confirmed in writing by Andy Bradley on November 4, 2026. Page updated on November 4, 2026.

In their own words

His background, in his own words

“Excellent negotiator with 20 year's experience in the mortgage industry”

Andy Bradley, written answer of November 4, 2026. Published word for word.

His introduction, in his own words

“With years of experience helping buyers and sellers across Barrie, Orillia, Simcoe County, and the surrounding area. I have lived on the lake for over 30 years, which makes me kind of a waterfront specialist. I provide honest advice, have strong negotiation skills, and a client first approach from start to finish. Buyers and sellers choose to work with me because I take the time to understand their goals. I communicate clearly with them and ensure they feel confident every step of the way. Whether you're buying your first home, upsizing, downsizing, or investing, I work hard to make the process smooth, stress free, and successful.”

Andy Bradley, written answer of November 4, 2026. Published word for word.

Frequently asked questions

Is Andy Bradley's licence valid?

Andy Bradley declares RECO licence no. 4791690, attached to the agency Right At Home Realty, Brokerage. Payotte publishes no status for this licence: it is verifiable on the RECO register, which should be checked before signing.

What areas does Andy Bradley serve?

Barrie, Orillia and Simcoe County, according to Andy Bradley's written statement of November 4, 2026.

What services does Andy Bradley offer?

Waterfront properties, First-time buyers, Upsizing, Downsizing and Investing, as a realtor.

How can I reach Andy Bradley?

Andy Bradley can be reached by phone at 705-238-2909 or by email at andy@placebook.ca. 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.

Payotte has no recommended expert in Barrie yet. See the recommended real estate brokers in the cities covered.

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