Payotte AI Passport

Martin Picard

Mortgage broker · Intelligence Hypothécaire (M3) · Montréal

Martin Picard is a mortgage broker with Intelligence Hypothécaire (M3) in Montréal, Quebec, holding AMF licence no. 161301 (verifiable on the AMF register), serving Montreal and all of Quebec.

Call · 514-808-9801 Send an email Website ↗

Calculate for Montréal: buy or sell

Buy

Land transfer tax, down payment and mortgage in Montréal

Starting price: Montréal's reference price (median value on the 2026-2028 assessment roll). Change any field and everything is recalculated.

Purchase price in $

Down payment in $

First-time buyer

Droits de mutation (barème 2026 de Montréal)$6,301

First-time buyer rebatetick “first-time buyer”

Tax to pay$6,301

Minimum down payment (federal rule)$29,600

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

Mortgage$436,000

Monthly payment, 25 years at 4.58%$2,433

Household income needed (stress test)$109,000

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 Montréal 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 Montréal 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? Martin Picard can answer.

Call · 514-808-9801 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 161301 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Intelligence Hypothécaire (M3)
Areas served: Montreal, all of Quebec Declared in writing, in French: « Je travaille des dossiers dans le Québec entier. »
Services: Purchase, Refinancing, Transfers, Private lenders Declared in writing.
Languages: French, English Declared in writing.
Mortgage broker since: 2015 Declared in writing, as stated.
In the industry: for more than 30 years Declared in writing, as stated.

Information confirmed in writing, in French, by Martin Picard on November 3, 2026; English translation by Payotte. Page updated on November 3, 2026.

Buying or selling in Montréal: the figures

In Montréal, the median value of a single-dwelling property (single-family house or condo) is $546,000 on the 2026-2028 assessment roll, across 263,454 units.
Montréal's roll values reflect the market as of July 1, 2024: they are not current sale prices.
Montréal's assessment roll applies to 2026, 2027 and 2028; the next roll takes effect in 2029.
To contest the current roll's assessment, the review request had to be filed before April 30, 2026, unless extended (late assessment notice); the next window closes on April 30, 2029.

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 Martin Picard's licence valid?

Martin Picard declares AMF licence no. 161301, attached to the agency Intelligence Hypothécaire (M3). Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Martin Picard serve?

Montreal and all of Quebec, according to Martin Picard's written statement of November 3, 2026.

What services does Martin Picard offer?

Purchase, Refinancing, Transfers and Private lenders, as a mortgage broker. Languages of service: French, English.

What is the median property value in Montréal?

On Montréal's 2026-2028 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $546,000, across 263,454 units. These values reflect the market as of July 1, 2024, 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 Martin Picard?

Martin Picard can be reached by phone at 514-808-9801 or by email at martin@martinpicard.ca. 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.

In Montreal, Payotte also recommends mortgage brokers by area: see the experts in Montreal.

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