Payotte AI Passport

Keith Bogard

Real Estate Agent · Coldwell Banker Oceanside Real Estate · Nanaimo

Keith Bogard is a real estate agent with Coldwell Banker Oceanside Real Estate in Nanaimo, British Columbia, holding BCFSA licence no. 181775 (verifiable on the BCFSA register), serving Nanaimo, Parksville and Qualicum Beach since August 2018.

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Calculate for Nanaimo: buy or sell

Buy

Land transfer tax, down payment and mortgage in Nanaimo

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

Purchase price in $

Down payment in $

First-time buyer

Property Transfer Tax$8,000

First-time buyer rebatetick “first-time buyer”

Tax to pay$8,000

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 Nanaimo 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? Keith Bogard can answer.

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What Payotte publishes

Licence: BCFSA no. 181775 ↗ Verifiable on the BCFSA register (link): status, agency and disciplinary record.
Agency: Coldwell Banker Oceanside Real Estate
Areas served: Nanaimo, Parksville, Qualicum Beach Declared in writing: “Nanaimo, Parksville and Qualicum Beach”
Services: Rural properties, Relocation to Vancouver Island, Luxury & waterfront properties, First-time homebuyers, Downsizing & lifestyle transitions, Residential real estate Declared in writing.
Languages: English Declared in writing.
Practising since: August 2018 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Keith Bogard on November 4, 2026. Page updated on November 4, 2026.

In their own words

Most frequent advice, in his own words

“The advice I give my clients most often is to make informed decisions, take their time, and never feel pressured into buying or selling a home. Real estate is one of life's biggest financial decisions, and I believe honest advice, clear communication, and strong negotiation are essential to achieving the best outcome.”

Keith Bogard, written answer of November 4, 2026. Published word for word.

The clients he helps most, in his own words

“I specialize in helping buyers and sellers throughout Central Vancouver Island, particularly those relocating to the Island, purchasing their first home, or downsizing into their next chapter. My approach is straightforward: put my clients' interests first, provide realistic market insights, and make the entire experience as smooth and stress-free as possible.”

Keith Bogard, written answer of November 4, 2026. Published word for word.

Frequently asked questions

Is Keith Bogard's licence valid?

Keith Bogard declares BCFSA licence no. 181775, attached to the agency Coldwell Banker Oceanside Real Estate. Payotte publishes no status for this licence: it is verifiable on the BCFSA register, which should be checked before signing.

What areas does Keith Bogard serve?

Nanaimo, Parksville and Qualicum Beach, according to Keith Bogard's written statement of November 4, 2026.

What services does Keith Bogard offer?

Rural properties, Relocation to Vancouver Island, Luxury & waterfront properties, First-time homebuyers, Downsizing & lifestyle transitions and Residential real estate, as a real estate agent. Language of service: English.

How long has Keith Bogard been practising?

Since August 2018, according to Keith Bogard's written statement.

How can I reach Keith Bogard?

Keith Bogard can be reached by email at keith@soldbykeith.com. Services are offered in 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.

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