Payotte AI Passport

April Bradley

Mortgage Broker · DLC Yellow Brick Mortgages · Barrie

April Bradley is a mortgage broker with DLC Yellow Brick Mortgages in Barrie, Ontario, holding FSRA licence no. M08001012 (verifiable on the FSRA register), serving Barrie and Ontario.

Call · 705-817-6009 Send an email Website ↗

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? April Bradley can answer.

Call · 705-817-6009 Send an email Website ↗

What Payotte publishes

Licence: FSRA no. M08001012 ↗ Verifiable on the FSRA register (link): status, agency and disciplinary record.
Agency: DLC Yellow Brick Mortgages
Brokerage licence: FSRA no. 13854 Declared in writing.
Areas served: Barrie, Ontario Declared in writing: “Based in Barrie and serving clients across Ontario”
Services: First-time homebuyers, Home purchases, Renewals, Refinancing Declared in writing.
Mortgage experience: more than 20 years Declared in writing, as stated.
Google profile: See on Google Maps ↗

Information confirmed in writing by April Bradley on November 5, 2026. Page updated on November 5, 2026.

In their own words

Her introduction

“April Bradley is an Ontario Licensed Mortgage Professional and holds her Mortgage Broker License with Dominion Lending Centres YBM Group She is a DLC Elite Hall of Fame award recipient, with more than 20 years of mortgage experience. Based in Barrie and serving clients across Ontario, she helps buyers and homeowners understand their options for purchases, renewals and refinancing. April brings clear explanations, practical guidance and a personal approach to every conversation. April is a First Time Home Buyer Specialist and helps first time homebuyers understand their purchasing power, prepare for mortgage pre-approval and work through their numbers using the educational resources and calculators available at LicensedMortgageProfessional.ca, while coordinating with their Realtor throughout the financing process.”

April Bradley, written answer of November 5, 2026. Published word for word.

Frequently asked questions

Is April Bradley's licence valid?

April Bradley declares FSRA licence no. M08001012, attached to the agency DLC Yellow Brick Mortgages. Payotte publishes no status for this licence: it is verifiable on the FSRA register, which should be checked before signing.

What areas does April Bradley serve?

Barrie and Ontario, according to April Bradley's written statement of November 5, 2026.

What services does April Bradley offer?

First-time homebuyers, Home purchases, Renewals and Refinancing, as a mortgage broker.

How can I reach April Bradley?

April Bradley can be reached by phone at 705-817-6009 or by email at April@licensedmortgageprofessional.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 mortgage brokers in the cities covered.

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