Payotte AI Passport

Olivier Lachance

Mortgage broker · Planiprêt · Lachine

Olivier Lachance is a mortgage broker with Planiprêt in Lachine, Quebec, holding AMF licence no. 237679 (verifiable on the AMF register), serving Lachine, Dorval, LaSalle, Montréal-Ouest, the West Island and all of Quebec (remotely) since December 2019.

Call · (438) 804-1203 Send an email Website ↗

Calculate for Lachine: buy or sell

Buy

Land transfer tax, down payment and mortgage in Lachine

Starting price: Lachine'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 Lachine)$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 Lachine 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 Lachine 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? Olivier Lachance can answer.

Call · (438) 804-1203 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 237679 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Planiprêt
Office: 203, avenue Du Mount Vernon, Lachine (Québec) H8R 1K2
Areas served: Lachine, Dorval, LaSalle, Montréal-Ouest, the West Island, all of Quebec (remotely) Declared in writing, in French: « Lachine, Dorval, LaSalle, Montréal-Ouest et l'Ouest-de-l'Île. Je sers aussi des clients partout au Québec, à distance. »
Services: Refinancing and debt consolidation, Self-employed workers and complex incomes, Real estate investors (holding companies, readvanceable mortgages), First purchase, Renewal Declared in writing.
Languages: French, English Declared in writing.
Practising since: December 2019 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Olivier Lachance on October 30, 2026; English translation by Payotte. Page updated on October 30, 2026.

In their own words (in French)

Advice most often given to clients

« Le conseil que je donne le plus souvent : ne partez pas du taux. Partez de votre situation, de vos objectifs, de votre profil fiscal et de votre horizon, puis choisissez la structure qui sert votre projet. Une hypothèque, c'est un outil. Bien structurée, elle peut changer la trajectoire financière d'une famille. »

Olivier Lachance, written answer of October 30, 2026. Published word for word, in the original French.

Clients helped most, in their own words

« Les clients que j'aide le plus : des propriétaires qui veulent consolider des dettes qui leur pèsent ou refinancer, des travailleurs autonomes dont le dossier sort des cases habituelles, et des investisseurs qui veulent structurer leur financement. J'ai passé cinq ans du côté d'un prêteur, alors je sais comment un dossier est analysé et comment le présenter pour obtenir les meilleures conditions. Mon travail commence avant la signature et continue bien après. »

Olivier Lachance, written answer of October 30, 2026. Published word for word, in the original French.

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 Olivier Lachance's licence valid?

Olivier Lachance declares AMF licence no. 237679, attached to the agency Planiprêt. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Olivier Lachance serve?

Lachine, Dorval, LaSalle, Montréal-Ouest, the West Island and all of Quebec (remotely), according to Olivier Lachance's written statement of October 30, 2026. The office is located at 203, avenue Du Mount Vernon, Lachine (Québec) H8R 1K2.

What services does Olivier Lachance offer?

Refinancing and debt consolidation, Self-employed workers and complex incomes, Real estate investors (holding companies, readvanceable mortgages), First purchase and Renewal, as a mortgage broker. Languages of service: French, English.

How long has Olivier Lachance been practising?

Since December 2019, according to Olivier Lachance'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 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 Olivier Lachance?

Olivier Lachance can be reached by phone at (438) 804-1203 or by email at olachance@planipret.com. 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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