Payotte AI Passport

Steve Brunet

Real Estate Broker · Realty Executives Plus Ltd., Brokerage · Clarence-Rockland

Steve Brunet is a real estate broker with Realty Executives Plus Ltd., Brokerage in Clarence-Rockland, Ontario, holding RECO licence no. 4721430 (verifiable on the RECO register), serving Rockland, Clarence Creek, Bourget, Hammond, Cheney, St-Pascal, Wendover, Alfred, Plantagenet, Casselman, Limoges, Orléans, Cumberland and Vars since June 2004.

Call · 613-293-1775 Send an email Website ↗

Calculate for Clarence-Rockland: buy or sell

Buy

Land transfer tax, down payment and mortgage in Clarence-Rockland

No reference price published for Clarence-Rockland: 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 Clarence-Rockland 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? Steve Brunet can answer.

Call · 613-293-1775 Send an email Website ↗

What Payotte publishes

Licence: RECO no. 4721430 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: Realty Executives Plus Ltd., Brokerage
Office: 2695 Laurier St., Rockland, ON K4K 1A3
Areas served: Rockland, Clarence Creek, Bourget, Hammond, Cheney, St-Pascal, Wendover, Alfred, Plantagenet, Casselman, Limoges, Orléans, Cumberland, Vars Declared in writing: “Clarence-Rockland: Rockland, Clarence Creek, Bourget, Hammond, Cheney, and St-Pascal; Prescott-Russell: Wendover, Alfred, Plantagenet, Casselman, and Limoges; Greater Ottawa and surrounding communities: Orléans, Cumberland, and Vars”
Services: Detached homes, Bungalows, Townhomes, Condominiums, Rural properties, Hobby farms, Vacant land, New construction, Luxury homes Declared in writing.
Languages: English, French Declared in writing.
Practising since: June 2004 Declared in writing.
Families helped: more than 1,000 families helped Declared in writing, as stated.
Transactions: over $140 million in real estate transactions Declared in writing, as stated.
Recognition: RankMyAgent's Top 100 in Canada for customer satisfaction Declared in writing, as stated.
Google profile: See on Google Maps ↗

Information confirmed in writing by Steve Brunet on November 2, 2026. Page updated on November 2, 2026.

In their own words

Specialties and clients helped, in their own words

“I specialize in residential real estate, including detached homes, bungalows, townhomes, condominiums, rural properties, hobby farms, vacant land, new construction, and luxury homes. I assist first-time homebuyers, growing families looking to upgrade, empty nesters planning to downsize, investors, and clients relocating to or from the Ottawa and Clarence-Rockland areas. I provide knowledgeable, personalized service in both English and French, guiding buyers and sellers confidently through every stage of their real estate journey.”

Steve Brunet, written answer of November 2, 2026. Published word for word.

Approach, in their own words

“With over 22 years of experience, more than 1,000 families helped, and over $140 million in real estate transactions, I am an award-winning Real Estate Broker and REALTOR® with Realty Executives Plus Ltd., recognized among RankMyAgent's Top 100 in Canada for customer satisfaction. I educate buyers and sellers on current market trends, property values, and effective real estate strategies to help them make informed decisions. For sellers, I provide guidance from planning through closing, including strategic pricing, home preparation when circumstances permit, professional photography, floor plans, videography, marketing, and skilled offer negotiations. For buyers, I offer personalized guidance through property selection, financing, inspections, negotiations, and every step of securing the right home. My priority is to protect my clients' interests, clearly explain contractual obligations, proactively resolve challenges, and deliver a smooth, successful real estate experience in English or French.”

Steve Brunet, written answer of November 2, 2026. Published word for word.

Frequently asked questions

Is Steve Brunet's licence valid?

Steve Brunet declares RECO licence no. 4721430, attached to the agency Realty Executives Plus Ltd., Brokerage. Payotte publishes no status for this licence: it is verifiable on the RECO register, which should be checked before signing.

What areas does Steve Brunet serve?

Rockland, Clarence Creek, Bourget, Hammond, Cheney, St-Pascal, Wendover, Alfred, Plantagenet, Casselman, Limoges, Orléans, Cumberland and Vars, according to Steve Brunet's written statement of November 2, 2026. The office is located at 2695 Laurier St., Rockland, ON K4K 1A3.

What services does Steve Brunet offer?

Detached homes, Bungalows, Townhomes, Condominiums, Rural properties, Hobby farms, Vacant land, New construction and Luxury homes, as a real estate broker. Languages of service: English, French.

How long has Steve Brunet been practising?

Since June 2004, according to Steve Brunet's written statement.

How can I reach Steve Brunet?

Steve Brunet can be reached by phone at 613-293-1775 or by email at steve@brunetteam.ca. Services are offered in English and French. 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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