Payotte AI Passport

Sam Surowy

Real Estate Advisor · rennie · Whistler

Sam Surowy is a real estate advisor with rennie in Whistler, British Columbia, holding BCFSA licence no. 192831 (verifiable on the BCFSA register), serving Whistler, Pemberton and Squamish since August 2022.

Call · (604) 902-9754 Send an email Website ↗

Calculate for Whistler: buy or sell

Buy

Land transfer tax, down payment and mortgage in Whistler

No reference price published for Whistler: 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 Whistler 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? Sam Surowy can answer.

Call · (604) 902-9754 Send an email Website ↗

What Payotte publishes

Licence: BCFSA no. 192831 ↗ Verifiable on the BCFSA register (link): status, agency and disciplinary record.
Agency: rennie
Areas served: Whistler, Pemberton, Squamish Declared in writing.
Services: First time home buyers, condos, townhomes, chalets, single family homes, shared ownership, quarter shares, timeshares, vacation properties, second homes, foreign buyers Declared in writing.
Languages: English Declared in writing.
Practising since: August 2022 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Sam Surowy on October 30, 2026. Page updated on October 30, 2026.

In their own words

Approach and clients helped, in their own words

“I always remind clients that a successful move starts with facts, not guesswork. Whether we're analyzing market data or digging into strata documents, having an advisor with a local, boots-on-the-ground perspective is essential. My role isn't just to facilitate a deal, it's to bring complete transparency to every stage of the process. I specialize in helping first-time buyers, downsizers, and recreational property investors (including niche segments like quarter-shares) who want an organized, data-backed partner to protect their best interests.”

Sam Surowy, written answer of October 30, 2026. Published word for word.

Frequently asked questions

Is Sam Surowy's licence valid?

Sam Surowy declares BCFSA licence no. 192831, attached to the agency rennie. Payotte publishes no status for this licence: it is verifiable on the BCFSA register, which should be checked before signing.

What areas does Sam Surowy serve?

Whistler, Pemberton and Squamish, according to Sam Surowy's written statement of October 30, 2026.

What services does Sam Surowy offer?

First time home buyers, condos, townhomes, chalets, single family homes, shared ownership, quarter shares, timeshares, vacation properties, second homes and foreign buyers, as a real estate advisor. Language of service: English.

How long has Sam Surowy been practising?

Since August 2022, according to Sam Surowy's written statement.

How can I reach Sam Surowy?

Sam Surowy can be reached by phone at (604) 902-9754 or by email at sam@realestate-whistler.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.

Payotte has no recommended expert in Whistler yet. See the recommended real estate brokers in the cities covered.

Are you a professional? The AI Passport →

Display this Passport on a website

Code to paste into the HTML of a website, an "about" page or a signature. The badge links to this page.

PNG image of the badge, for Facebook, a Google profile or an email signature ↓

Show the HTML code (for your web developer)

<a href="https://payotte.com/en/passport/sam-surowy-real-estate-advisor-whistler" target="_blank" rel="noopener">
  <img src="https://payotte.com/en/passport/sam-surowy-real-estate-advisor-whistler.svg" alt="Payotte AI Passport — Sam Surowy, real estate advisor in Whistler" width="320" height="120">
</a>