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Marc-Antoine Croteau

Mortgage broker · Intelligence Hypothécaire · Stoneham-et-Tewkesbury

Marc-Antoine Croteau is a mortgage broker with Intelligence Hypothécaire in Stoneham-et-Tewkesbury, Quebec, holding AMF licence no. 267237 (verifiable on the AMF register), serving Capitale-Nationale and the Montréal region since September 2024.

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Calculate for Stoneham-et-Tewkesbury: buy or sell

Buy

Land transfer tax, down payment and mortgage in Stoneham-et-Tewkesbury

Starting price: Stoneham-et-Tewkesbury'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 (grille de base 2026)$4,271

First-time buyer rebatetick “first-time buyer”

Tax to pay$4,271

Minimum down payment (federal rule)$20,535

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

Mortgage$327,700

Monthly payment, 25 years at 4.58%$1,828

Household income needed (stress test)$83,000

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 Stoneham-et-Tewkesbury 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 Stoneham-et-Tewkesbury 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? Marc-Antoine Croteau can answer.

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What Payotte publishes

Licence: AMF no. 267237 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Intelligence Hypothécaire
Office: 825, boulevard Lebourgneuf, bureau 208, Québec (Québec) G2J 0B9
Areas served: Capitale-Nationale, the Montréal region Declared in writing, in French: « Capitale-Nationale et Région de Montréal »
Services: Purchase, New construction, Refinancing, Renewal, Debt consolidation, Major renovation Declared in writing.
Languages: French Declared in writing.
Practising since: September 2024 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Marc-Antoine Croteau on October 29, 2026; English translation by Payotte. Page updated on October 29, 2026.

In their own words (in French)

Advice, in their own words

« La meilleure offre hypothécaire ne se résume pas uniquement au taux d’intérêt le plus bas. Il est important d’évaluer l’ensemble des conditions et des caractéristiques du financement afin de choisir une solution qui correspond réellement à vos besoins et à vos objectifs. »

Marc-Antoine Croteau, written answer of October 29, 2026. Published word for word, in the original French.

Buying or selling in Stoneham-et-Tewkesbury: the figures

In Stoneham-et-Tewkesbury, the median value of a single-dwelling property (single-family house or condo) is $410,700 on the 2025-2027 assessment roll, across 3,891 units.
Stoneham-et-Tewkesbury's roll values reflect the market as of July 1, 2023: they are not current sale prices.
The welcome tax on a $410,700 purchase in Stoneham-et-Tewkesbury is $4,271 under Quebec's base schedule.
Stoneham-et-Tewkesbury'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 Marc-Antoine Croteau's licence valid?

Marc-Antoine Croteau declares AMF licence no. 267237, attached to the agency Intelligence Hypothécaire. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Marc-Antoine Croteau serve?

Capitale-Nationale and the Montréal region, according to Marc-Antoine Croteau's written statement of October 29, 2026. The office is located at 825, boulevard Lebourgneuf, bureau 208, Québec (Québec) G2J 0B9.

What services does Marc-Antoine Croteau offer?

Purchase, New construction, Refinancing, Renewal, Debt consolidation and Major renovation, as a mortgage broker. Language of service: French.

How long has Marc-Antoine Croteau been practising?

Since September 2024, according to Marc-Antoine Croteau'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 Stoneham-et-Tewkesbury?

On Stoneham-et-Tewkesbury's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $410,700, across 3,891 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 $410,700 property in Stoneham-et-Tewkesbury?

$4,271, 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 Marc-Antoine Croteau?

Marc-Antoine Croteau can be reached by email at marcantoine.croteau@groupeih.ca. Services are offered in French. The buttons at the top of this page start a call or a pre-filled email.

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