Payotte AI Passport

Jason Sohl

Mortgage Broker · MortgageBroker.ca Ltd · Hamilton

Jason Sohl is a mortgage broker with MortgageBroker.ca Ltd in Hamilton, Ontario, holding FSRA licence no. M14000967 (verifiable on the FSRA register), serving Hamilton and South Western Ontario.

Call · 416-569-8471 Send an email Website ↗

Calculate for Hamilton: buy or sell

Buy

Land transfer tax, down payment and mortgage in Hamilton

No reference price published for Hamilton: 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 Hamilton 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? Jason Sohl can answer.

Call · 416-569-8471 Send an email Website ↗

What Payotte publishes

Licence: FSRA no. M14000967 ↗ Verifiable on the FSRA register (link): status, agency and disciplinary record.
Agency: MortgageBroker.ca Ltd
Brokerage licence: FSRA no. 12707 Declared in writing.
Areas served: Hamilton, South Western Ontario Declared in writing: “Hamilton/South Western Ontario”
Services: Alternative lending, Self-employed, Impaired credit, Commercial Declared in writing.
Recognition: 2026 CMA Excellence Awardee Alternative Broker Specialist of the Year Declared in writing, as stated.

Information confirmed in writing by Jason Sohl on November 2, 2026. Page updated on November 2, 2026.

In their own words

Description and clients helped, in their own words

“Jason is an award-winning Canadian mortgage broker who shops the market to find competitive interest rates and custom financing strategies. Acting as an intermediary between borrowers and over 50 lending institutions—including major banks, credit unions, and private lenders—he handles everything from first and second mortgages and home equity refinancing to complex commercial debt restructuring. Jason specifically specializes in alternative lending, making him a go-to professional for people who face hurdles with traditional banks. The primary groups of people he assists include: • Self-employed professionals who have non-traditional income documentation. • Individuals with unique credit challenges, such as those recovering from bankruptcy, consumer proposals, or credit damage. • First-time homebuyers needing guidance through grants, rebates, and the pre-approval process. • Clients going through major life separations or divorce who need to restructure their property equity. • Commercial borrowers and real estate investors seeking construction loans, business financing, or multi-residential property funding”

Jason Sohl, written answer of November 2, 2026. Published word for word.

Frequently asked questions

Is Jason Sohl's licence valid?

Jason Sohl declares FSRA licence no. M14000967, attached to the agency MortgageBroker.ca Ltd. Payotte publishes no status for this licence: it is verifiable on the FSRA register, which should be checked before signing.

What areas does Jason Sohl serve?

Hamilton and South Western Ontario, according to Jason Sohl's written statement of November 2, 2026.

What services does Jason Sohl offer?

Alternative lending, Self-employed, Impaired credit and Commercial, as a mortgage broker.

How can I reach Jason Sohl?

Jason Sohl can be reached by phone at 416-569-8471 or by email at jason@mortgagebroker.ca. 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.

In Hamilton, Payotte also recommends mortgage brokers by area: see the experts in Hamilton.

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