Payotte AI Passport

Brian Hodge

Sales Representative · RE/MAX Niagara Realty · Fort Erie

Brian Hodge is a sales representative with RE/MAX Niagara Realty in Fort Erie, Ontario, holding RECO licence no. 4762245 (verifiable on the RECO register), serving Fort Erie, Ridgeway, Crystal Beach, Stevensville, Lake Erie shoreline and Port Colborne since August 2010.

Call · 905-815-7588 Send an email Website ↗

Calculate for Fort Erie: buy or sell

Buy

Land transfer tax, down payment and mortgage in Fort Erie

No reference price published for Fort Erie: 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 Fort Erie 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? Brian Hodge can answer.

Call · 905-815-7588 Send an email Website ↗

What Payotte publishes

Licence: RECO no. 4762245 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: RE/MAX Niagara Realty
Office: 2622 Stevensville Rd, Unit 2, Stevensville, ON L0S 1S0
Areas served: Fort Erie, Ridgeway, Crystal Beach, Stevensville, Lake Erie shoreline, Port Colborne Declared in writing: “Fort Erie, Ridgeway, Crystal Beach, Stevensville and the Lake Erie shoreline, Port Colborne and neighbouring waterfront communities, throughout the Niagara Region”
Services: Waterfront living, Residential real estate, Property marketing, Pricing strategies, Neighbourhood-specific market knowledge Declared in writing.
Languages: English Declared in writing.
Practising since: August 2010 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Brian Hodge on November 10, 2026. Page updated on November 10, 2026.

In their own words

His team’s approach, in their own words

“Our advice to buyers and sellers is simple: real estate is local, and understanding the neighbourhood is just as important as understanding the property. Whether you're buying a waterfront home in Crystal Beach, selling a family home in Ridgeway or relocating to Fort Erie, having the right local knowledge can make all the difference. We work with a wide range of clients, from first-time buyers and growing families to retirees, waterfront buyers, luxury homeowners and those relocating to Niagara. Our approach combines personalized service, honest advice, strategic pricing and professional marketing to help clients make confident real estate decisions. With extensive knowledge of Fort Erie and the surrounding Lake Erie communities, we help clients look beyond the listing to understand the lifestyle, location and long-term value of a property.”

Brian Hodge, written answer of November 10, 2026. Published word for word.

Frequently asked questions

Is Brian Hodge's licence valid?

Brian Hodge declares RECO licence no. 4762245, attached to the agency RE/MAX Niagara Realty. Payotte publishes no status for this licence: it is verifiable on the RECO register, which should be checked before signing.

What areas does Brian Hodge serve?

Fort Erie, Ridgeway, Crystal Beach, Stevensville, Lake Erie shoreline and Port Colborne, according to Brian Hodge's written statement of November 10, 2026. The office is located at 2622 Stevensville Rd, Unit 2, Stevensville, ON L0S 1S0.

What services does Brian Hodge offer?

Waterfront living, Residential real estate, Property marketing, Pricing strategies and Neighbourhood-specific market knowledge, as a sales representative. Language of service: English.

How long has Brian Hodge been practising?

Since August 2010, according to Brian Hodge's written statement.

How can I reach Brian Hodge?

Brian Hodge can be reached by phone at 905-815-7588 or by email at brian@niagararealty.com. Services are offered in English. 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.

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