Payotte AI Passport

Helen West

Mortgage Agent Level 2 · Neighbourhood Mortgage Source Dominion Lending Centres · Bracebridge

Helen West is a mortgage agent level 2 with Neighbourhood Mortgage Source Dominion Lending Centres in Bracebridge, Ontario, holding FSRA licence no. M12002160 (verifiable on the FSRA register), serving Muskoka and Surrounding areas since October 2012.

Send an email

Calculate for Bracebridge: buy or sell

Buy

Land transfer tax, down payment and mortgage in Bracebridge

No reference price published for Bracebridge: 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 Bracebridge 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? Helen West can answer.

Send an email

What Payotte publishes

Licence: FSRA no. M12002160 ↗ Verifiable on the FSRA register (link): status, agency and disciplinary record.
Agency: Neighbourhood Mortgage Source Dominion Lending Centres
Brokerage licence: FSRA no. 11764 Declared in writing.
Office: 49 Muskoka Street, Bracebridge, ON P1L 2B2
Areas served: Muskoka, Surrounding areas Declared in writing: “All of Muskoka and Surrounding areas”
Services: Mortgages for purchases, Refinances, Renewals Declared in writing.
Languages: English Declared in writing.
Practising since: October 2012 Declared in writing.

Information confirmed in writing by Helen West on November 2, 2026. Page updated on November 2, 2026.

In their own words

Approach, as declared in writing

“Helen has helped countless clients transform their finances and achieve their goals. When she works for you, her priority is to ensure you are informed, empowered, and confident—so you feel fully in control of your finances and your future.”

Helen West, written answer of November 2, 2026. Published word for word.

Frequently asked questions

Is Helen West's licence valid?

Helen West declares FSRA licence no. M12002160, attached to the agency Neighbourhood Mortgage Source Dominion Lending Centres. Payotte publishes no status for this licence: it is verifiable on the FSRA register, which should be checked before signing.

What areas does Helen West serve?

Muskoka and Surrounding areas, according to Helen West's written statement of November 2, 2026. The office is located at 49 Muskoka Street, Bracebridge, ON P1L 2B2.

What services does Helen West offer?

Mortgages for purchases, Refinances and Renewals, as a mortgage agent level 2. Language of service: English.

How long has Helen West been practising?

Since October 2012, according to Helen West's written statement.

How can I reach Helen West?

Helen West can be reached by email at helen@ndlc.ca. Services are offered in 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 Bracebridge 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/helen-west-mortgage-agent-bracebridge" target="_blank" rel="noopener">
  <img src="https://payotte.com/en/passport/helen-west-mortgage-agent-bracebridge.svg" alt="Payotte AI Passport — Helen West, mortgage agent level 2 in Bracebridge" width="320" height="120">
</a>