Payotte AI Passport

Jaclyn P. Giffen

Barrister, Solicitor & Notary · Inclusive Law · Peterborough

Jaclyn P. Giffen is a barrister, solicitor & notary with Inclusive Law in Peterborough, Ontario, holding LSO licence no. 66633S (verifiable on the LSO register), serving Peterborough, Peterborough County, Durham Region, Port Perry, Kawartha Lakes and Omemee.

Call · 705-742-6910 Send an email Website ↗

Calculate for Peterborough: buy or sell

Buy

Land transfer tax, down payment and mortgage in Peterborough

No reference price published for Peterborough: 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 Peterborough 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? Jaclyn P. Giffen can answer.

Call · 705-742-6910 Send an email Website ↗

What Payotte publishes

Licence: LSO no. 66633S ↗ Verifiable on the LSO register (link): status, agency and disciplinary record.
Agency: Inclusive Law
Office: 521 George Street North, Peterborough, ON K9H 3S1
Areas served: Peterborough, Peterborough County, Durham Region, Port Perry, Kawartha Lakes, Omemee Declared in writing: “Durham Region in my Port Perry office, Peterborough county at the Peterborough head office and the surrounding Kawartha Lakes from my home office in Omemee.”
Services: Commercial and residential property purchases and sales, Private loans and refinances, Title issues, Estate planning, Estate administration, Corporate law Declared in writing.
Languages: English, French, Spanish, Sign language Declared in writing.
Called to the bar: 2014 Declared in writing, as stated.
Firm opened: 2015, in Omemee Declared in writing, as stated.
Other offices: 214 Mary Street, Port Perry, ON L9L 1B7; 89 King St E, Omemee, ON K0L 2W0 (by appointment only) Declared in writing, as stated.
Google profile: See on Google Maps ↗

Information confirmed in writing by Jaclyn P. Giffen on November 3, 2026. Page updated on November 3, 2026.

In their own words

Her introduction, in her own words

“As the Managing Partner of Inclusive Law, Jaclyn hopes to continue expanding her business specializing in the areas of estate planning, estate administration, real estate, and corporate law. Jaclyn volunteers her time within her community and is looking forward to more opportunities to work with you.”

Jaclyn P. Giffen, written answer of November 3, 2026. Published word for word.

Frequently asked questions

Is Jaclyn P. Giffen's licence valid?

Jaclyn P. Giffen declares LSO licence no. 66633S, attached to the agency Inclusive Law. Payotte publishes no status for this licence: it is verifiable on the LSO register, which should be checked before signing.

What areas does Jaclyn P. Giffen serve?

Peterborough, Peterborough County, Durham Region, Port Perry, Kawartha Lakes and Omemee, according to Jaclyn P. Giffen's written statement of November 3, 2026. The office is located at 521 George Street North, Peterborough, ON K9H 3S1.

What services does Jaclyn P. Giffen offer?

Commercial and residential property purchases and sales, Private loans and refinances, Title issues, Estate planning, Estate administration and Corporate law, as a barrister, solicitor & notary. Languages of service: English, French, Spanish, Sign language.

How can I reach Jaclyn P. Giffen?

Jaclyn P. Giffen can be reached by phone at 705-742-6910 or by email at jgiffen@inclusiveadvisory.ca. Services are offered in English, French, Spanish and Sign language. 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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