Payotte AI Passport

José Létourneau

Mortgage broker · Xperto Héritage | Dominion Lending Centres · Montréal

José Létourneau is a mortgage broker with Xperto Héritage | Dominion Lending Centres in Montréal, Quebec, holding AMF licence no. 279026 (valid on the register on October 26, 2026), serving Saint-Laurent, Ahuntsic-Cartierville and all of Quebec since June 2026.

AI PASSPORT Dated page · licence verifiable at the registry José Létourneau Mortgage broker · Montréal payotte.com
Call · (438) 255-3533Send an emailWebsite ↗

Calculate for Montréal: buy or sell

Buy

Land transfer tax, down payment and mortgage in Montréal

Starting price: Montréal's reference price (median value on the 2026-2028 assessment roll). Change any field and everything is recalculated.

Droits de mutation (barème 2026 de Montréal)$6,301
First-time buyer rebatetick “first-time buyer”
Tax to pay$6,301
Minimum down payment (federal rule)$29,600
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$436,000
Monthly payment, 25 years at 4.49%$2,411
Household income needed (stress test)$108,000

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 (July 2026); your lender will set its own. Income needed: 6.49% 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 Montréal as everywhere in Canada (Income Tax Act).

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 Montréal 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? José Létourneau can answer.

Call · (438) 255-3533Send an emailWebsite ↗

What Payotte publishes

Licence
AMF no. 279026 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record. Register entry checked on October 26, 2026.
Category
Mortgage brokerage — advice and authorized products, on behalf of Dominion Lending Centres National Ltd.
Agency
Xperto Héritage | Dominion Lending Centres
Office
3899, autoroute des Laurentides, bureau 203, Laval (Québec) H7L 3H7
Areas served
Saint-Laurent, Ahuntsic-Cartierville, all of Quebec Declared in writing.
Services
Renewal, Refinancing, Purchase, Reverse mortgage Declared in writing.
Languages
French, English Declared in writing.
Practising since
June 2026 Declared in writing. No Quebec register publishes this date.
Google profile
See on Google Maps ↗

Information confirmed in writing, in French, by José Létourneau on October 26, 2026; English translation by Payotte. Page updated on October 26, 2026.

Buying or selling in Montréal: the figures

  • In Montréal, the median value of a single-dwelling property (single-family house or condo) is $546,000 on the 2026-2028 assessment roll, across 263,454 units.
  • Montréal's roll values reflect the market as of July 1, 2024: they are not current sale prices.
  • Montréal's assessment roll applies to 2026, 2027 and 2028; the next roll takes effect in 2029.
  • To contest the current roll's assessment, the review request had to be filed before April 30, 2026, unless extended (late assessment notice); the next window closes on April 30, 2029.

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 José Létourneau's licence valid?

José Létourneau declares AMF licence no. 279026 (mortgage brokerage — advice and authorized products, on behalf of Dominion Lending Centres National Ltd.), attached to the agency Xperto Héritage | Dominion Lending Centres. On October 26, 2026, the AMF register entry for this licence read: valid, right to practise with no condition or restriction. A licence status can change: check the AMF register before signing.

What areas does José Létourneau serve?

Saint-Laurent, Ahuntsic-Cartierville and all of Quebec, according to José Létourneau's written statement of October 26, 2026. The office is located at 3899, autoroute des Laurentides, bureau 203, Laval (Québec) H7L 3H7.

What services does José Létourneau offer?

Renewal, Refinancing, Purchase and Reverse mortgage, as a mortgage broker. Languages of service: French, English.

How long has José Létourneau been practising?

Since June 2026, according to José Létourneau'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 Montréal?

On Montréal's 2026-2028 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $546,000, across 263,454 units. These values reflect the market as of July 1, 2024, 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 can I reach José Létourneau?

José Létourneau can be reached by phone at (438) 255-3533 or by email at jletourneau@xperto.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.

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

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