Payotte AI Passport

Joyce Reboya

Mortgage Professional · Mortgage Alliance · Saskatoon

Joyce Reboya is a mortgage professional with Mortgage Alliance in Saskatoon, Saskatchewan, holding FCAA licence no. 514626 (verifiable on the FCAA register), serving Saskatoon, Humboldt, Melfort, St. Brieux and the rest of Saskatchewan since September 2025.

Call · (639) 916-1203 Send an email Website ↗

Calculate for Saskatoon: buy or sell

Buy

Registration fees, down payment and mortgage in Saskatoon

No reference price published for Saskatoon: example at $500,000. Change any field and everything is recalculated.

Purchase price in $

Down payment in $

Land transfer taxnone

Registration fees (title + mortgage)$2,275

Fees to pay$2,275

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

No land transfer tax in Saskatchewan: only title and mortgage registration, at the province's public schedule, computed on the actual loan. 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 Saskatoon 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? Joyce Reboya can answer.

Call · (639) 916-1203 Send an email Website ↗

What Payotte publishes

Licence: FCAA no. 514626 ↗ Verifiable on the FCAA register (link): status, agency and disciplinary record.
Agency: Mortgage Alliance
Brokerage licence: FCAA no. 515486 Declared in writing.
Office: 1013 8th Street, Saskatoon, SK S7H 0S2
Areas served: Saskatoon, Humboldt, Melfort, St. Brieux, the rest of Saskatchewan Declared in writing: “Saskatoon, Humboldt, Melfort, St. Brieux and the rest of Saskatchewan”
Services: first time homebuyers, new in canada Declared in writing.
Languages: Tagalog/Filipino, English Declared in writing.
Practising since: September 2025 Declared in writing.

Information confirmed in writing by Joyce Reboya on October 29, 2026. Page updated on October 29, 2026.

In their own words

Approach and clients helped, in their own words

“I specialize in helping first-time homebuyers and Newcomers to Canada navigate the mortgage process with confidence. I provide personalized guidance on mortgage options, financial readiness, and finding solutions that fit each client’s needs. As a former pharmacist, I bring a detail-oriented, compassionate approach. I understand the challenges of starting over and believe every new beginning deserves the right support. Ready for a fresh start through homeownership? Let’s create a mortgage plan tailored to you.”

Joyce Reboya, written answer of October 29, 2026. Published word for word.

Frequently asked questions

Is Joyce Reboya's licence valid?

Joyce Reboya declares FCAA licence no. 514626, attached to the agency Mortgage Alliance. Payotte publishes no status for this licence: it is verifiable on the FCAA register, which should be checked before signing.

What areas does Joyce Reboya serve?

Saskatoon, Humboldt, Melfort, St. Brieux and the rest of Saskatchewan, according to Joyce Reboya's written statement of October 29, 2026. The office is located at 1013 8th Street, Saskatoon, SK S7H 0S2.

What services does Joyce Reboya offer?

first time homebuyers and new in canada, as a mortgage professional. Languages of service: Tagalog/Filipino, English.

How long has Joyce Reboya been practising?

Since September 2025, according to Joyce Reboya's written statement.

How can I reach Joyce Reboya?

Joyce Reboya can be reached by phone at (639) 916-1203 or by email at jreboya@mortgagealliance.com. Services are offered in Tagalog/Filipino 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 Saskatoon, Payotte also recommends mortgage brokers by area: see the experts in Saskatoon.

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