Payotte AI Passport

Sharon Lanser

Real Estate Professional · Sutton Group Seafair Realty · Richmond

Sharon Lanser is a real estate professional with Sutton Group Seafair Realty in Richmond, British Columbia, holding BCFSA licence no. 137978 (verifiable on the BCFSA register), serving Richmond and Lower Mainland since July 2003.

Call · 604-961-3907 Send an email Website ↗

Calculate for Richmond: buy or sell

Buy

Land transfer tax, down payment and mortgage in Richmond

No reference price published for Richmond: 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 Richmond 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? Sharon Lanser can answer.

Call · 604-961-3907 Send an email Website ↗

What Payotte publishes

Licence: BCFSA no. 137978 ↗ Verifiable on the BCFSA register (link): status, agency and disciplinary record.
Agency: Sutton Group Seafair Realty
Office: #550 – 9100 Blundell Road, Richmond, BC V6Y 1K3
Areas served: Richmond, Lower Mainland Declared in writing: “All neighborhoods throughout Richmond, as well as many surrounding communities in the Lower Mainland”
Services: First-time home buyers, Foreclosures, Renovations, Real estate portfolios Declared in writing.
Languages: English, Dutch Declared in writing.
Practising since: July 2003 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Sharon Lanser on November 3, 2026. Page updated on November 3, 2026.

In their own words

Most frequent advice, in her own words

“The advice I give my clients most often is simple: Know what you're signing. Never sign a document simply because your real realtor has asked you to. Take the time to understand what you're agreeing to, why the document is necessary, and how it may affect you both today and in the future. Choosing a real estate professional who takes the time to explain the process and the importance of each document rather than simply directing you where to sign, is a sign of someone that cares and fulfills their obligations. An informed client is an empowered client, and that knowledge can benefit them for the rest of their lives.”

Sharon Lanser, written answer of November 3, 2026. Published word for word.

The clients she helps most, in her own words

“Throughout my career, I have developed a particular focus on first-time home buyers, foreclosures, renovations, and helping clients begin or expand their real estate portfolios. Working with first-time home buyers is especially rewarding. I believe purchasing a home should be an educational experience, not simply a transaction. My goal is to ensure my clients understand the entire process, recognize their rights and responsibilities, and learn how to protect themselves. More importantly, I want to help them build a foundation for their financial future, whether that means purchasing their first home or eventually developing a real estate portfolio. I also have extensive experience with foreclosures and enjoy helping homeowners explore their options before foreclosure becomes unavoidable. Selling is not always the only solution, and I believe people deserve to understand the choices available to them before making life-changing decisions.”

Sharon Lanser, written answer of November 3, 2026. Published word for word.

Her motto, in her own words

“My philosophy has always been that real estate is about the people, not the recognition or awards. That is why my personal tagline is: "I am not #1, You are!"”

Sharon Lanser, written answer of November 3, 2026. Published word for word.

Frequently asked questions

Is Sharon Lanser's licence valid?

Sharon Lanser declares BCFSA licence no. 137978, attached to the agency Sutton Group Seafair Realty. Payotte publishes no status for this licence: it is verifiable on the BCFSA register, which should be checked before signing.

What areas does Sharon Lanser serve?

Richmond and Lower Mainland, according to Sharon Lanser's written statement of November 3, 2026. The office is located at #550 – 9100 Blundell Road, Richmond, BC V6Y 1K3.

What services does Sharon Lanser offer?

First-time home buyers, Foreclosures, Renovations and Real estate portfolios, as a real estate professional. Languages of service: English, Dutch.

How long has Sharon Lanser been practising?

Since July 2003, according to Sharon Lanser's written statement.

How can I reach Sharon Lanser?

Sharon Lanser can be reached by phone at 604-961-3907 or by email at slanser@sutton.com. Services are offered in English and Dutch. 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 Richmond, Payotte also recommends real estate brokers by area: see the experts in Richmond.

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