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Gerry Lodwick

Broker · Royal LePage Kawartha Lakes Realty · Kawartha Lakes

Gerry Lodwick is a broker with Royal LePage Kawartha Lakes Realty in Kawartha Lakes, Ontario, holding RECO licence no. 4766013 (verifiable on the RECO register), serving Beaverton, Kawartha Lakes, Lindsay, Fenelon Falls, Bobcaygeon, Brock, Orillia, Ramara and Georgina since January 2013.

Call · 705-879-0100 Send an email Website ↗

Calculate for Kawartha Lakes: buy or sell

Buy

Land transfer tax, down payment and mortgage in Kawartha Lakes

No reference price published for Kawartha Lakes: 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 Kawartha Lakes 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? Gerry Lodwick can answer.

Call · 705-879-0100 Send an email Website ↗

What Payotte publishes

Licence: RECO no. 4766013 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: Royal LePage Kawartha Lakes Realty
Office: 448 Osborne St, Unit 5, Beaverton, ON L0K 1A0
Areas served: Beaverton, Kawartha Lakes, Lindsay, Fenelon Falls, Bobcaygeon, Brock, Orillia, Ramara, Georgina Declared in writing: “Beaverton, Kawartha Lakes, Lindsay, Fenelon Falls, Bobcaygeon, Brock, Orillia, Ramara, Georgina”
Services: Buyer and seller representation, Waterfront and cottage properties, First-time buyers, Farms, Home valuations, Downsizing and life transitions, Guaranteed Sale Program and Cash Offer Program Declared in writing.
Languages: English Declared in writing.
Practising since: January 2013 Declared in writing.

Information confirmed in writing by Gerry Lodwick on November 11, 2026. Page updated on November 11, 2026.

In their own words

His advice to clients, in his own words

“The advice I give clients most often is: start with a clear, honest valuation, and build your plan from there — not from what the market did last year. When you price it right, prepare it well, and plan it properly from the start, you negotiate from a position of strength and stay in control, whether you're buying or selling.”

Gerry Lodwick, written answer of November 11, 2026. Published word for word.

The clients he helps most, in his own words

“The clients I help most are first-time buyers, families moving up or moving on, cottage and waterfront owners, and people starting a new chapter — downsizing, settling a family home, or moving after a big life change. I lead The Lodwick Team at Royal LePage Kawartha Lakes Realty, so you get a full team behind you, not just a solo agent, from listing to closing.”

Gerry Lodwick, written answer of November 11, 2026. Published word for word.

Frequently asked questions

Is Gerry Lodwick's licence valid?

Gerry Lodwick declares RECO licence no. 4766013, attached to the agency Royal LePage Kawartha Lakes Realty. Payotte publishes no status for this licence: it is verifiable on the RECO register, which should be checked before signing.

What areas does Gerry Lodwick serve?

Beaverton, Kawartha Lakes, Lindsay, Fenelon Falls, Bobcaygeon, Brock, Orillia, Ramara and Georgina, according to Gerry Lodwick's written statement of November 11, 2026. The office is located at 448 Osborne St, Unit 5, Beaverton, ON L0K 1A0.

What services does Gerry Lodwick offer?

Buyer and seller representation, Waterfront and cottage properties, First-time buyers, Farms, Home valuations, Downsizing and life transitions and Guaranteed Sale Program and Cash Offer Program, as a broker. Language of service: English.

How long has Gerry Lodwick been practising?

Since January 2013, according to Gerry Lodwick's written statement.

How can I reach Gerry Lodwick?

Gerry Lodwick can be reached by phone at 705-879-0100 or by email at gerrylodwick@me.com. Services are offered in English. The buttons at the top of this page start a call or a pre-filled email.

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