Payotte AI Passport

Elena Day

Real Estate Broker · Right At Home Realty Inc., Brokerage · Burlington

Elena Day is a real estate broker with Right At Home Realty Inc., Brokerage in Burlington, Ontario, holding RECO licence no. 4746941 (verifiable on the RECO register), serving Burlington, Oakville, Mississauga and Downtown Toronto since September 2007.

Call · 416-274-1909 Send an email Website ↗

Calculate for Burlington: buy or sell

Buy

Land transfer tax, down payment and mortgage in Burlington

No reference price published for Burlington: 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 Burlington 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? Elena Day can answer.

Call · 416-274-1909 Send an email Website ↗

What Payotte publishes

Licence: RECO no. 4746941 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: Right At Home Realty Inc., Brokerage
Office: 5111 New St, Burlington, ON
Areas served: Burlington, Oakville, Mississauga, Downtown Toronto Declared in writing: “Burlington, Oakville, Mississauga, Dtn Toronto”
Services: Residential, Pre-Con Investments Declared in writing.
Languages: Russian, English Declared in writing.
Practising since: September 2007 Declared in writing.

Information confirmed in writing by Elena Day on November 2, 2026. Page updated on November 2, 2026.

In their own words

Approach, in their own words

“Every home search and sale is unique. I focus on what matters most to you—not just your wish list, but your lifestyle and your routines. From staging and positioning to negotiation, every step is designed around you. With me, you’ll never feel rushed or lost. Clear, calm, and personal guidance—whether it’s your first home or your fifth. I personally handle all negotiations to maximize your outcome. Experience matters, but trust defines success. I’ve earned a reputation for integrity, precision, and care—and I carry that into every relationship I build.”

Elena Day, written answer of November 2, 2026. Published word for word.

Frequently asked questions

Is Elena Day's licence valid?

Elena Day declares RECO licence no. 4746941, attached to the agency Right At Home 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 Elena Day serve?

Burlington, Oakville, Mississauga and Downtown Toronto, according to Elena Day's written statement of November 2, 2026. The office is located at 5111 New St, Burlington, ON.

What services does Elena Day offer?

Residential and Pre-Con Investments, as a real estate broker. Languages of service: Russian, English.

How long has Elena Day been practising?

Since September 2007, according to Elena Day's written statement.

How can I reach Elena Day?

Elena Day can be reached by phone at 416-274-1909 or by email at elena@elenadayhomes.com. The agency Right At Home Realty Inc., Brokerage answers at 905-637-1700. Services are offered in Russian and 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.

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

Are you a professional? The AI Passport →

Display this Passport on a website

Code to paste into the HTML of a website, an "about" page or a signature. The badge links to this page.

PNG image of the badge, for Facebook, a Google profile or an email signature ↓

Show the HTML code (for your web developer)

<a href="https://payotte.com/en/passport/elena-day-real-estate-broker-burlington" target="_blank" rel="noopener">
  <img src="https://payotte.com/en/passport/elena-day-real-estate-broker-burlington.svg" alt="Payotte AI Passport — Elena Day, real estate broker in Burlington" width="320" height="120">
</a>