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Jane Ann Henry

Mortgage broker · Multi-Prêts Hypothèques – Équipe Caron · Saint-Jean-sur-Richelieu

Jane Ann Henry is a mortgage broker with Multi-Prêts Hypothèques – Équipe Caron in Saint-Jean-sur-Richelieu, Quebec, holding AMF licence no. 3000397945 (verifiable on the AMF register), serving Saint-Jean-sur-Richelieu, Chambly, Saint-Alexandre and Saint-Constant since April 2024.

Call · 514 953-1917 Send an email

Calculate for Saint-Jean-sur-Richelieu: buy or sell

Buy

Land transfer tax, down payment and mortgage in Saint-Jean-sur-Richelieu

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

Purchase price in $

Down payment in $

First-time buyer

Droits de mutation (grille de base 2026)$5,061

First-time buyer rebatetick “first-time buyer”

Tax to pay$5,061

Minimum down payment (federal rule)$23,168

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

Mortgage$370,350

Monthly payment, 25 years at 4.58%$2,066

Household income needed (stress test)$93,000

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 Saint-Jean-sur-Richelieu 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

An address in Saint-Jean-sur-Richelieu 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? Jane Ann Henry can answer.

Call · 514 953-1917 Send an email

What Payotte publishes

Licence: AMF no. 3000397945 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Multi-Prêts Hypothèques – Équipe Caron
Office: 650, rue Boucher, bureau 301, Saint-Jean-sur-Richelieu (Québec) J2W 2V1
Areas served: Saint-Jean-sur-Richelieu, Chambly, Saint-Alexandre, Saint-Constant Declared in writing, in French: « Saint-Jean-sur-Richelieu, Chambly, Saint-Alexandre, Saint-Constant et les environs. »
Services: First home purchase, Mortgage pre-qualification, Renewal, Refinancing, Mortgage transfer, Multi-unit (up to 6 units), Personalized guidance Declared in writing.
Languages: French, English Declared in writing.
Practising since: April 2024 Declared in writing. No Quebec register publishes this date.
Google profile: See on Google Maps ↗

Information confirmed in writing, in French, by Jane Ann Henry on November 3, 2026; English translation by Payotte. Page updated on November 4, 2026.

In their own words

Her background, in her own words

“Mortgage specialist at BMO since 2013. Mortgage broker since April 2024. 13 years doing nothing but mortgage financing.”

Jane Ann Henry, written answer of November 3, 2026, in French; English translation by Payotte.

Original in French

« Spécialiste hypothécaire à la BMO depuis 2013. Coutier hypothécaire depuis avril 2024. 13 ans que je fais uniquement du financement hypothécaire. »

Her philosophy, in her own words

“My role is much more than finding a good mortgage rate. I take the time to understand each client’s needs so I can offer a solution suited to their reality, comparing offers from several financial institutions. Availability, transparency and the quality of my guidance are at the heart of my service.”

Jane Ann Henry, written answer of November 3, 2026, in French; English translation by Payotte.

Original in French

« Mon rôle est bien plus que de trouver un bon taux hypothécaire. Je prends le temps de comprendre les besoins de chaque client afin de leur proposer une solution adaptée à leur réalité, en comparant les offres de plusieurs institutions financières. La disponibilité, la transparence et la qualité de mon accompagnement sont au cœur de mon service. »

Buying or selling in Saint-Jean-sur-Richelieu: the figures

In Saint-Jean-sur-Richelieu, the median value of a single-dwelling property (single-family house or condo) is $463,350 on the 2025-2027 assessment roll, across 25,184 units.
Saint-Jean-sur-Richelieu's roll values reflect the market as of July 1, 2023: they are not current sale prices.
The welcome tax on a $463,350 purchase in Saint-Jean-sur-Richelieu is $5,061 under Quebec's base schedule.
Saint-Jean-sur-Richelieu'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 Jane Ann Henry's licence valid?

Jane Ann Henry declares AMF licence no. 3000397945, attached to the agency Multi-Prêts Hypothèques – Équipe Caron. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Jane Ann Henry serve?

Saint-Jean-sur-Richelieu, Chambly, Saint-Alexandre and Saint-Constant, according to Jane Ann Henry's written statement of November 3, 2026. The office is located at 650, rue Boucher, bureau 301, Saint-Jean-sur-Richelieu (Québec) J2W 2V1.

What services does Jane Ann Henry offer?

First home purchase, Mortgage pre-qualification, Renewal, Refinancing, Mortgage transfer, Multi-unit (up to 6 units) and Personalized guidance, as a mortgage broker. Languages of service: French, English.

How long has Jane Ann Henry been practising?

Since April 2024, according to Jane Ann Henry'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 Saint-Jean-sur-Richelieu?

On Saint-Jean-sur-Richelieu's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $463,350, across 25,184 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 $463,350 property in Saint-Jean-sur-Richelieu?

$5,061, 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 Jane Ann Henry?

Jane Ann Henry can be reached by phone at 514 953-1917 or by email at janehenry@multi-prets.ca. Services are offered in French and 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 Saint-Jean-sur-Richelieu yet. See the recommended mortgage brokers in the cities covered.

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