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Marc Ouimet-McPherson

Real estate lawyer · Ouimet-McPherson Law · Ottawa

Marc Ouimet-McPherson is a real estate lawyer with Ouimet-McPherson Law in Ottawa, Ontario, holding LSO licence no. 56624N (verifiable on the LSO register), serving Ottawa, Orléans, Kanata, Stittsville, Barrhaven, Rockcliffe, Manor Park, Vanier, Cumberland, Carson Grove, Gloucester, Rockland, Hawkesbury, Eastern Ontario and anywhere in Ontario since June 2009.

Call · 343-888-8913 Send an email Website ↗

Calculate for Ottawa: buy or sell

Buy

Land transfer tax, down payment and mortgage in Ottawa

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

Purchase price in $

Down payment in $

First-time buyer

Ontario land transfer tax$6,475

First-time buyer rebatetick “first-time buyer”

Tax to pay$6,475

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 Ottawa 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? Marc Ouimet-McPherson can answer.

Call · 343-888-8913 Send an email Website ↗

What Payotte publishes

Licence: LSO no. 56624N ↗ Verifiable on the LSO register (link): status, agency and disciplinary record.
Agency: Ouimet-McPherson Law
Areas served: Ottawa, Orléans, Kanata, Stittsville, Barrhaven, Rockcliffe, Manor Park, Vanier, Cumberland, Carson Grove, Gloucester, Rockland, Hawkesbury, Eastern Ontario, anywhere in Ontario Declared in writing: “OTTAWA, Orleans, Kanata, stittsville, barhaven, Rockliffe, manor park, Vanier, Cumberland, Carson grove, Gloucester, Rockland, eastern Ontario, Hawkesbury, anywhere in Ontario”
Services: Residential purchases, Sales, Refinancing, Title transfers, Wills and estates, Business law Declared in writing.
Languages: French, English Declared in writing.
Practising since: June 2009 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Marc Ouimet-McPherson on October 31, 2026. Page updated on November 2, 2026.

In their own words

Approach with clients, in their own words

“I help buyers, sellers, homeowners and investors navigate real estate transactions and understand the legal and financial implications before signing. My approach is practical, straightforward and focused on helping clients make informed decisions and avoid preventable problems.”

Marc Ouimet-McPherson, written answer of October 31, 2026. Published word for word.

Frequently asked questions

Is Marc Ouimet-McPherson's licence valid?

Marc Ouimet-McPherson declares LSO licence no. 56624N, attached to the agency Ouimet-McPherson Law. Payotte publishes no status for this licence: it is verifiable on the LSO register, which should be checked before signing.

What areas does Marc Ouimet-McPherson serve?

Ottawa, Orléans, Kanata, Stittsville, Barrhaven, Rockcliffe, Manor Park, Vanier, Cumberland, Carson Grove, Gloucester, Rockland, Hawkesbury, Eastern Ontario and anywhere in Ontario, according to Marc Ouimet-McPherson's written statement of October 31, 2026.

What services does Marc Ouimet-McPherson offer?

Residential purchases, Sales, Refinancing, Title transfers, Wills and estates and Business law, as a real estate lawyer. Languages of service: French, English.

How long has Marc Ouimet-McPherson been practising?

Since June 2009, according to Marc Ouimet-McPherson's written statement.

How can I reach Marc Ouimet-McPherson?

Marc Ouimet-McPherson can be reached by phone at 343-888-8913 or by email at marc@ottawa.law. Services are offered in French 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.

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