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François Lachance

Residential and commercial real estate broker · RE/MAX du Cartier Bonjour · Mirabel

François Lachance is a residential and commercial real estate broker with RE/MAX du Cartier Bonjour in Mirabel, Quebec, holding OACIQ licence no. E8297 (verifiable on the OACIQ register), serving Montréal, Laval, North Shore of Montréal and Laurentians since July 2009.

In Mirabel, the median value of a single-unit property is $523,300 on the 2026-2028 assessment roll.

Call · 514-651-4167 Send an email Website ↗

Calculate for Mirabel: buy or sell

Buy

Land transfer tax, down payment and mortgage in Mirabel

Starting price: Mirabel's reference price (median value on the 2026-2028 assessment roll). Change any field and everything is recalculated.

Purchase pricein $

Down paymentin $

First-time buyer

Droits de mutation (grille de base 2026)$5,960

First-time buyer rebatetick “first-time buyer”

Tax to payat least $5,960

Minimum down payment (federal rule)$27,330

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

Mortgage$418,300

Monthly payment, 25 years at 4.58%$2,334

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 Mirabel as everywhere in Canada (Income Tax Act).

Sale pricein $

Purchase pricein $

Capital gain$100,000

Your principal residence (designated every year)$0 taxable

Other property (cottage, rental): taxable amount$50,000

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 Mirabel 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? François Lachance can answer.

Call · 514-651-4167 Send an email Website ↗

What Payotte publishes

Licence: OACIQ no. E8297 ↗ Verifiable on the OACIQ register (link): status, agency and disciplinary record.
Agency: RE/MAX du Cartier Bonjour
Office: 14000, rue de la Chapelle, Mirabel (Québec) J7J 2C8
Areas served: Montréal, Laval, North Shore of Montréal, Laurentians Declared in writing, in French: « Montréal, Laval, Rive-Nord, Laurentides »
Services: Residential, Multi-unit properties, Commercial Declared in writing.
Practising since: July 2009 Declared in writing. No Quebec register publishes this date.
Google profile: See on Google Maps ↗

Information confirmed in writing, in French, by François Lachance on November 12, 2026; English translation by Payotte. Page updated on November 13, 2026.

In their own words

Approach, in his own words

“The 5 pillars of my approach: 1. Trust – Building a lasting relationship rather than simply closing a transaction. 2. Negotiation – Defending my clients’ interests and finding advantageous solutions. 3. Guidance – Being present, proactive and available at every step of the transaction. 4. Integrity – Acting with honesty, transparency and loyalty, putting my clients’ interests at the heart of my decisions. 5. Professionalism – Offering rigorous, structured, quality service, drawing on my knowledge and expertise.”

François Lachance, written answer of November 12, 2026, in French; English translation by Payotte.

Original in French

« Les 5 piliers de mon approche : 1. La confiance – Bâtir une relation durable plutôt que simplement conclure une transaction. 2. La négociation – Défendre les intérêts de mes clients et trouver des solutions avantageuses. 3. L’accompagnement – Être présent, proactif et disponible à chaque étape de la transaction. 4. L’intégrité – Agir avec honnêteté, transparence et loyauté, en plaçant les intérêts de mes clients au cœur de mes décisions. 5. Le professionnalisme – Offrir un service rigoureux, structuré et de qualité, en m’appuyant sur mes connaissances et mon expertise. »

Vision, in his own words

“My goal is not simply to complete a transaction, but to become your long-term real estate partner, built on trust, integrity and professionalism.”

François Lachance, written answer of November 12, 2026, in French; English translation by Payotte.

Original in French

« Mon objectif n’est pas simplement de réaliser une transaction, mais de devenir votre partenaire immobilier à long terme, en misant sur la confiance, l’intégrité et le professionnalisme. »

Buying or selling in Mirabel: the figures

In Mirabel, the median value of a single-dwelling property (single-family house or condo) is $523,300 on the 2026-2028 assessment roll, across 16,089 units.
Mirabel's roll values reflect the market as of July 1, 2024: they are not current sale prices.
Mirabel's assessment roll applies to 2026, 2027 and 2028; the next roll takes effect in 2029.
To contest the current roll's assessment, the review request had to be filed before April 30, 2026, unless extended (late assessment notice); the next window closes on April 30, 2029.

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 François Lachance's licence valid?

François Lachance declares OACIQ licence no. E8297, attached to the agency RE/MAX du Cartier Bonjour. Payotte publishes no status for this licence: it is verifiable on the OACIQ register, which should be checked before signing.

What areas does François Lachance serve?

Montréal, Laval, North Shore of Montréal and Laurentians, according to François Lachance's written statement of November 12, 2026. The office is located at 14000, rue de la Chapelle, Mirabel (Québec) J7J 2C8.

What services does François Lachance offer?

Residential, Multi-unit properties and Commercial, as a residential and commercial real estate broker.

How long has François Lachance been practising?

Since July 2009, according to François Lachance'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 Mirabel?

On Mirabel's 2026-2028 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $523,300, across 16,089 units. These values reflect the market as of July 1, 2024, 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 François Lachance?

François Lachance can be reached by phone at 514-651-4167 or by email at flachance@remaxbonjour.com. The agency RE/MAX du Cartier Bonjour answers at 450-475-0911. 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 Mirabel yet. See the recommended real estate brokers in the cities covered.

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