Payotte AI Passport

Eric Lacoursière

Mortgage broker · Planiprêt · Saint-Sauveur

Eric Lacoursière is a mortgage broker with Planiprêt in Saint-Sauveur, Quebec, holding AMF licence no. 221021 (verifiable on the AMF register), serving Saint-Sauveur and all of Quebec (virtual meetings) since January 2022.

Call · (514) 994-2551 Send an email Website ↗

Calculate for Saint-Sauveur: buy or sell

Buy

Land transfer tax, down payment and mortgage in Saint-Sauveur

Starting price: Saint-Sauveur's reference price (median value on the 2025-2027 assessment roll). Change any field and everything is recalculated.

Purchase price in $

Down payment in $

First-time buyer

Droits de mutation (grille de base 2026)$5,972

First-time buyer rebatetick “first-time buyer”

Tax to payat least $5,972

Minimum down payment (federal rule)$27,410

Mortgage insurance premium (added to the loan)none (20% or more)

Mortgage$419,100

Monthly payment, 25 years at 4.58%$2,338

Household income needed (stress test)$105,000

Above $500,000 your municipality may charge a higher rate (up to 3%): the amount is a minimum.

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 Saint-Sauveur 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

An address in Saint-Sauveur or elsewhere: its assessed value

Enter an address in Quebec: assessed value, rank among similar properties, welcome tax at your price and known risks by year of construction.

Payotte stores neither the address nor the results. Values come from public rolls; they are tied to no owner name.

A question about these figures or an address? Eric Lacoursière can answer.

Call · (514) 994-2551 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 221021 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Planiprêt
Areas served: Saint-Sauveur, all of Quebec (virtual meetings) Declared in writing, in French: « Partout au Québec parce que je travaille de façon virtuelle. »
Services: Declared in writing.
Languages: French, English Declared in writing.
Practising since: January 2022 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Eric Lacoursière on October 30, 2026; English translation by Payotte. Page updated on October 30, 2026.

In their own words

Advice to clients, in his own words

“Every situation is unique. My role is to find the loan that best meets each client's needs.”

Eric Lacoursière, written answer of October 30, 2026, in French; English translation by Payotte.

Original in French

« Chaque situation est unique. Mon rôle est de trouver le prêt qui répond le mieux aux besoins de chaque client. »

Buying or selling in Saint-Sauveur: the figures

In Saint-Sauveur, the median value of a single-dwelling property (single-family house or condo) is $524,100 on the 2025-2027 assessment roll, across 5,165 units.
Saint-Sauveur's roll values reflect the market as of July 1, 2023: they are not current sale prices.
Saint-Sauveur's assessment roll applies to 2025, 2026 and 2027; the next roll takes effect in 2028.
To contest the current roll's assessment, the review request had to be filed before April 30, 2025, unless extended (late assessment notice); the next window closes on April 30, 2028.

Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec, CC BY 4.0). Payotte calculations. Understanding property assessment →

Frequently asked questions

Is Eric Lacoursière's licence valid?

Eric Lacoursière declares AMF licence no. 221021, attached to the agency Planiprêt. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Eric Lacoursière serve?

Saint-Sauveur and all of Quebec (virtual meetings), according to Eric Lacoursière's written statement of October 30, 2026.

What services does Eric Lacoursière offer?

, as a mortgage broker. Languages of service: French, English.

How long has Eric Lacoursière been practising?

Since January 2022, according to Eric Lacoursière's written statement. No Quebec register publishes the date a broker started practising: that date can only come from the professional.

What is the median property value in Saint-Sauveur?

On Saint-Sauveur's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $524,100, across 5,165 units. These values reflect the market as of July 1, 2023, the roll's reference date, not today's sale prices. Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec).

How can I reach Eric Lacoursière?

Eric Lacoursière can be reached by phone at (514) 994-2551 or by email at elacoursiere@planipret.com. Services are offered in French 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 Saint-Sauveur yet. See the recommended mortgage 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/eric-lacoursiere-courtier-hypothecaire-saint-sauveur" target="_blank" rel="noopener">
  <img src="https://payotte.com/en/passport/eric-lacoursiere-courtier-hypothecaire-saint-sauveur.svg" alt="Payotte AI Passport — Eric Lacoursière, mortgage broker in Saint-Sauveur" width="320" height="120">
</a>