Payotte AI Passport

Donald Bilodeau

Real Estate Agent · Sutton Group - Associates Realty Inc., Brokerage · Toronto

Donald Bilodeau is a real estate agent with Sutton Group - Associates Realty Inc., Brokerage in Toronto, Ontario, holding RECO licence no. 9554142 (verifiable on the RECO register), serving Downtown Toronto, East York, Leslieville, High Park, Wychwood and St. Clair West since March 2013.

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Calculate for Toronto: buy or sell

Buy

Land transfer tax, down payment and mortgage in Toronto

No reference price published for Toronto: 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

Toronto municipal tax (MLTT)$6,475

First-time buyer rebatetick “first-time buyer”

Tax to pay$12,950

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 Toronto 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? Donald Bilodeau can answer.

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What Payotte publishes

Licence: RECO no. 9554142 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: Sutton Group - Associates Realty Inc., Brokerage
Areas served: Downtown Toronto, East York, Leslieville, High Park, Wychwood, St. Clair West Declared in writing: “Downtown, East York, Leslieville, high Park, Wychwood, st-Clair West”
Services: Buying and selling residential real estate, both freehold and condo, Leasing real estate Declared in writing.
Languages: French, English Declared in writing.
Practising since: March 2013 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Donald Bilodeau on November 3, 2026. Page updated on November 3, 2026.

In their own words

Most frequent advice and clients helped, in their own words

“Whether I’m working with buyers or sellers, I typically emphasize that the value of a home is set by the market, what a buyer is willing to pa for a property. It helps to manage expectations and focus clients on what’s really important, meeting their objective. My clients include young professionals looking to buy their first home or trade up to the next level. Equally, I work with parents wanting to move to neighbourhoods with better school districts. And, as I’m also a real estate investor, I attract investors looking to increase their portfolio of properties and grow their wealth.”

Donald Bilodeau, written answer of November 3, 2026. Published word for word.

Frequently asked questions

Is Donald Bilodeau's licence valid?

Donald Bilodeau declares RECO licence no. 9554142, attached to the agency Sutton Group - Associates Realty Inc., Brokerage. Payotte publishes no status for this licence: it is verifiable on the RECO register, which should be checked before signing.

What areas does Donald Bilodeau serve?

Downtown Toronto, East York, Leslieville, High Park, Wychwood and St. Clair West, according to Donald Bilodeau's written statement of November 3, 2026.

What services does Donald Bilodeau offer?

Buying and selling residential real estate, both freehold and condo and Leasing real estate, as a real estate agent. Languages of service: French, English.

How long has Donald Bilodeau been practising?

Since March 2013, according to Donald Bilodeau's written statement.

How can I reach Donald Bilodeau?

Donald Bilodeau can be reached by email at dbilodeau@sutton.com. Services are offered in French and English. The buttons at the top of this page start a call or a pre-filled email.

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