Payotte AI Passport

Juan Esteban Diaz Contreras

Mortgage broker · Multi-Prêts Hypothèques · Québec

Juan Esteban Diaz Contreras is a mortgage broker with Multi-Prêts Hypothèques in Québec, Quebec, holding AMF licence no. 264380 (verifiable on the AMF register), serving Quebec City and surrounding area, the South Shore (Lévis, Saint-Nicolas, Saint-Romuald), the Beauce region (Sainte-Marie, Saint-Georges), Greater Montreal (Montréal, Laval, Longueuil, Brossard) and all of Quebec (in person or remotely) since April 2024.

Call · (418) 369-8281 Send an email Website ↗

Calculate for Québec: buy or sell

Buy

Land transfer tax, down payment and mortgage in Québec

Starting price: Québec'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 (barème 2026 de Québec)$3,286

First-time buyer rebatetick “first-time buyer”

Tax to pay$3,286

Minimum down payment (federal rule)$17,250

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

Mortgage$276,000

Monthly payment, 25 years at 4.58%$1,540

Household income needed (stress test)$71,000

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 Québec 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 Québec 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? Juan Esteban Diaz Contreras can answer.

Call · (418) 369-8281 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 264380 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Multi-Prêts Hypothèques
Office: 5400, boulevard des Galeries, bur. 330, Québec (Qc) G2K 2B4
Areas served: Quebec City and surrounding area, the South Shore (Lévis, Saint-Nicolas, Saint-Romuald), the Beauce region (Sainte-Marie, Saint-Georges), Greater Montreal (Montréal, Laval, Longueuil, Brossard), all of Quebec (in person or remotely) Declared in writing, in French: « Ville de Québec et ses environs : Sainte-Foy, Sillery, Cap-Rouge, Saint-Augustin-de-Desmaures, L’Ancienne-Lorette, Lebourgneuf, Charlesbourg, Beauport, Limoilou, Saint-Roch, Montcalm, Val-Bélair, Lac-Beauport, Stoneham, la Rive-Sud (Lévis, Saint-Nicolas, Saint-Romuald) et la Beauce (Sainte-Marie, Saint-Georges). Je sers aussi la grande région de Montréal : Montréal, Laval, Longueuil et Brossard. J’accompagne des clients partout au Québec, en personne ou à distance. »
Services: First purchase, Mortgage renewal, Refinancing, Debt consolidation, FHSA (CELIAPP), Plexes and income properties, Commercial and mixed-use buildings, Newcomers Declared in writing.
Languages: French, English, Spanish 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 Juan Esteban Diaz Contreras on October 29, 2026; English translation by Payotte. Page updated on October 29, 2026.

In their own words (in French)

Introduction, in their own words

« Juan Diaz est un courtier hypothécaire à Québec, chez Multi-Prêts Hypothèques, et accompagne aussi des clients à Montréal et partout au Québec. Il compare les offres de plusieurs prêteurs pour trouver le meilleur taux hypothécaire et la meilleure stratégie pour chaque client. À la fin de 2025, il avait accompagné 105 familles et financé environ 30 M$. »

Juan Esteban Diaz Contreras, written answer of October 29, 2026. Published word for word, in the original French.

Advice most often given to clients

« le taux, c’est important, mais c’est pas tout. L’hypothèque, c’est toute la stratégie du dossier : la durée, les pénalités, la flexibilité pour rembourser ou refinancer plus tard. Avant de signer ou de renouveler, regardez le portrait au complet, pas juste le chiffre. »

Juan Esteban Diaz Contreras, written answer of October 29, 2026. Published word for word, in the original French.

Clients helped most, in their own words

« J’aide surtout les premiers acheteurs de la région de Québec qui veulent comprendre chaque étape, les propriétaires qui arrivent à leur renouvellement hypothécaire, les gens qui veulent faire un refinancement hypothécaire pour consolider leurs dettes et les investisseurs qui veulent acheter un plex ou un immeuble à revenus. Arrivé au Québec en 2007, je comprends aussi la réalité des nouveaux arrivants, et je peux les accompagner en français, en anglais ou en espagnol. »

Juan Esteban Diaz Contreras, written answer of October 29, 2026. Published word for word, in the original French.

Buying or selling in Québec: the figures

In Québec, the median value of a single-dwelling property (single-family house or condo) is $345,000 on the 2025-2027 assessment roll, across 132,559 units.
Québec's roll values reflect the market as of July 1, 2023: they are not current sale prices.
The welcome tax on a $345,000 purchase in Québec is $3,286 under Quebec's base schedule.
Québec'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 Juan Esteban Diaz Contreras's licence valid?

Juan Esteban Diaz Contreras declares AMF licence no. 264380, attached to the agency Multi-Prêts Hypothèques. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Juan Esteban Diaz Contreras serve?

Quebec City and surrounding area, the South Shore (Lévis, Saint-Nicolas, Saint-Romuald), the Beauce region (Sainte-Marie, Saint-Georges), Greater Montreal (Montréal, Laval, Longueuil, Brossard) and all of Quebec (in person or remotely), according to Juan Esteban Diaz Contreras's written statement of October 29, 2026. The office is located at 5400, boulevard des Galeries, bur. 330, Québec (Qc) G2K 2B4.

What services does Juan Esteban Diaz Contreras offer?

First purchase, Mortgage renewal, Refinancing, Debt consolidation, FHSA (CELIAPP), Plexes and income properties, Commercial and mixed-use buildings and Newcomers, as a mortgage broker. Languages of service: French, English, Spanish.

How long has Juan Esteban Diaz Contreras been practising?

Since April 2024, according to Juan Esteban Diaz Contreras'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 Québec?

On Québec's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $345,000, across 132,559 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 $345,000 property in Québec?

$3,286, 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 Juan Esteban Diaz Contreras?

Juan Esteban Diaz Contreras can be reached by phone at (418) 369-8281 or by email at jdiaz@multi-prets.ca. Services are offered in French, English and Spanish. The buttons at the top of this page start a call or a pre-filled email.

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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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