Payotte AI Passport

Geneviève Martin

Real estate broker · Groupe Sutton Synergie inc. · Repentigny

Geneviève Martin is a real estate broker with Groupe Sutton Synergie inc. in Repentigny, Quebec, holding OACIQ licence no. J8375 (verifiable on the OACIQ register), serving Repentigny, Le Gardeur, L’Assomption, Lachenaie, Terrebonne and Mascouche since October 2026.

AI PASSPORT Dated page · licence verifiable at the registry Geneviève Martin Real estate broker · Repentigny payotte.com

Calculate for Repentigny: buy or sell

Buy

Land transfer tax, down payment and mortgage in Repentigny

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

Droits de mutation (grille de base 2026)$5,212
First-time buyer rebatetick “first-time buyer”
Tax to pay$5,212
Minimum down payment (federal rule)$23,670
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$378,400
Monthly payment, 25 years at 4.58%$2,111
Household income needed (stress test)$95,000

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 Repentigny as everywhere in Canada (Income Tax Act).

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 Repentigny 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? Geneviève Martin can answer.

What Payotte publishes

Licence
OACIQ no. J8375 ↗ Verifiable on the OACIQ register (link): status, agency and disciplinary record.
Agency
Groupe Sutton Synergie inc.
Office
534, rue Notre-Dame, bureau 201, Repentigny (Québec) J6A 2T8
Areas served
Repentigny, Le Gardeur, L’Assomption, Lachenaie, Terrebonne, Mascouche Declared in writing, in French: « Principalement Repentigny, Le Gardeur, L’Assomption et les environs, ainsi que Lachenaie, Terrebonne et Mascouche. »
Services
Buying and selling residential properties, Houses, Condominiums Declared in writing.
Languages
French, English, Spanish Declared in writing.
Practising since
October 2026 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Geneviève Martin on November 2, 2026; English translation by Payotte. Page updated on November 2, 2026.

In their own words

Background, in their own words

“New to the field: October 2026. Nevertheless, a passionate woman who finished first in her class, to serve you better. I also work as a team with my mother, Marie-Claire Provost, who has more than 25 years of experience in real estate. Our daughter-mother duo brings two generations together around one mission: to support our clients with heart and protect their interests. When efficiency meets experience, you get excellence.”

Geneviève Martin, written answer of November 2, 2026, in French; English translation by Payotte.

Original in French

« Nouvelle dans le domaine : Octobre 2026. Néanmoins, une femme passionnée et première de classe pour mieux vous servir. Je travaille également en équipe avec ma mère, Marie-Claire Provost, qui possède plus de 25 ans d’expérience en immobilier. Notre duo fille-mère réunit deux générations autour d’une même mission : accompagner nos clients avec cœur et protéger leurs intérêts. Quand l’efficacité s’allie à l’expérience, on obtient l’excellence. »

Most important advice, in their own words

“The advice I most want to pass on: ask your questions, even the ones that seem simple. Falling in love with a property matters, but your decision must also respect your needs, your budget and your reality.”

Geneviève Martin, written answer of November 2, 2026, in French; English translation by Payotte.

Original in French

« Le conseil que je souhaite transmettre avant tout : Posez vos questions, même celles qui vous semblent simples. Un coup de cœur est important, mais votre décision doit aussi respecter vos besoins, votre budget et votre réalité. »

Clients helped most, in their own words

“Above all, I want to support families, first-time buyers and people less familiar with real estate who value the human touch. I like to explain, reassure and check the details so my clients can decide with confidence. My commitment: your interests protected, with candour, precision and heart.”

Geneviève Martin, written answer of November 2, 2026, in French; English translation by Payotte.

Original in French

« Je souhaite surtout accompagner les familles, les premiers acheteurs et les personnes moins familières avec l’immobilier qui accordent de l’importance au contact humain. J’aime expliquer, rassurer et vérifier les détails pour que mes clients puissent décider en confiance. Mon engagement : vos intérêts protégés, avec franchise, précision et cœur. »

Buying or selling in Repentigny: the figures

  • In Repentigny, the median value of a single-dwelling property (single-family house or condo) is $473,400 on the 2025-2027 assessment roll, across 26,515 units.
  • Repentigny's roll values reflect the market as of July 1, 2023: they are not current sale prices.
  • The welcome tax on a $473,400 purchase in Repentigny is $5,212 under Quebec's base schedule.
  • Repentigny'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 Geneviève Martin's licence valid?

Geneviève Martin declares OACIQ licence no. J8375, attached to the agency Groupe Sutton Synergie inc.. Payotte publishes no status for this licence: it is verifiable on the OACIQ register, which should be checked before signing.

What areas does Geneviève Martin serve?

Repentigny, Le Gardeur, L’Assomption, Lachenaie, Terrebonne and Mascouche, according to Geneviève Martin's written statement of November 2, 2026. The office is located at 534, rue Notre-Dame, bureau 201, Repentigny (Québec) J6A 2T8.

What services does Geneviève Martin offer?

Buying and selling residential properties, Houses and Condominiums, as a real estate broker. Languages of service: French, English, Spanish.

How long has Geneviève Martin been practising?

Since October 2026, according to Geneviève Martin'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 Repentigny?

On Repentigny's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $473,400, across 26,515 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 much is the welcome tax on a $473,400 property in Repentigny?

$5,212, under Quebec's current base schedule (0.5% up to $62,900, 1% up to $315,000, 1.5% above). The tax is computed on the highest of the price paid, the consideration and the assessed value multiplied by the municipality's comparative factor.

How can I reach Geneviève Martin?

Geneviève Martin can be reached by phone at 514-295-3406 or by email at genevievemartin@sutton.com. The agency Groupe Sutton Synergie inc. answers at 450-585-0999. Services are offered in French, English and Spanish. 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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