Payotte AI Passport

Jules De Marre

Mortgage broker · Multi-Prêts Hypothèques · Laval

Jules De Marre is a mortgage broker with Multi-Prêts Hypothèques in Laval, Quebec, holding AMF licence no. 266484 (verifiable on the AMF register), practising since September 2024.

Call · (514) 213-2950 Send an email Website ↗

Calculate for Laval: buy or sell

Buy

Land transfer tax, down payment and mortgage in Laval

Starting price: Laval'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 Laval)$6,742

First-time buyer rebatetick “first-time buyer”

Tax to pay$6,742

Minimum down payment (federal rule)$28,770

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

Mortgage$429,700

Monthly payment, 25 years at 4.58%$2,397

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 (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 Laval 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 Laval 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? Jules De Marre can answer.

Call · (514) 213-2950 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 266484 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Multi-Prêts Hypothèques
Office: 4702, rue Louis-B.-Mayer, Laval (Québec) H7P 0G1
Services: Purchases (first-time buyers, investors, commercial, secondary property, self-employed workers) Declared in writing.
Practising since: September 2024 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Jules De Marre on October 29, 2026; English translation by Payotte. Page updated on October 29, 2026.

In their own words (in French)

Approach, in their own words

« Je donne l'heure juste et accompagne toute personne ayant comme objectif l'acquisition d'un bien immobilier. J'aide les gens à concrétiser leur financement hypothécaire et donc, à atteindre leur but. »

Jules De Marre, written answer of October 29, 2026. Published word for word, in the original French.

Buying or selling in Laval: the figures

In Laval, the median value of a single-dwelling property (single-family house or condo) is $537,700 on the 2025-2027 assessment roll, across 115,829 units.
Laval's roll values reflect the market as of July 1, 2023: they are not current sale prices.
Laval'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 Jules De Marre's licence valid?

Jules De Marre declares AMF licence no. 266484, 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 services does Jules De Marre offer?

Purchases (first-time buyers, investors, commercial, secondary property, self-employed workers), as a mortgage broker.

How long has Jules De Marre been practising?

Since September 2024, according to Jules De Marre'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 Laval?

On Laval's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $537,700, across 115,829 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 can I reach Jules De Marre?

Jules De Marre can be reached by phone at (514) 213-2950 or by email at jdemarre@multi-prets.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 Laval, Payotte also recommends mortgage brokers by area: see the experts in Laval.

Are you a professional? The AI Passport →

Display this Passport on a website

Code to paste into the HTML of a website, an "about" page or a signature. The badge links to this page.

<a href="https://payotte.com/en/passport/jules-de-marre-courtier-hypothecaire-laval" target="_blank" rel="noopener">
  <img src="https://payotte.com/en/passport/jules-de-marre-courtier-hypothecaire-laval.svg" alt="Payotte AI Passport — Jules De Marre, mortgage broker in Laval" width="320" height="120">
</a>

PNG image of the badge, for Facebook, a Google profile or an email signature ↓