Payotte AI Passport

Steve Bulatovic

Sales Representative · Sutton Group Realty Systems Inc. · Milton

Steve Bulatovic is a sales representative with Sutton Group Realty Systems Inc. in Milton, Ontario, holding RECO licence no. 4775389 (verifiable on the RECO register), serving Milton, Oakville, Burlington, Halton Hills, Mississauga and surrounding GTA communities since July 2014.

Call · 416-791-3665 Send an email Website ↗

Calculate for Milton: buy or sell

Buy

Land transfer tax, down payment and mortgage in Milton

No reference price published for Milton: 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 Milton 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 Bulatovic can answer.

Call · 416-791-3665 Send an email Website ↗

What Payotte publishes

Licence: RECO no. 4775389 ↗ Verifiable on the RECO register (link): status, agency and disciplinary record.
Agency: Sutton Group Realty Systems Inc.
Areas served: Milton, Oakville, Burlington, Halton Hills, Mississauga, surrounding GTA communities Declared in writing: “Milton, Oakville, Burlington, Halton Hills, Mississauga and surrounding GTA communities.”
Services: Residential buying and selling, First-time buyers, Move-up buyers, Investment properties, Residential leasing Declared in writing.
Languages: English, Macedonian, Croatian, Serbian Declared in writing.
Practising since: July 2014 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Steve Bulatovic on November 4, 2026. Page updated on November 4, 2026.

In their own words

The advice he gives most often, in his own words

“The advice I give clients most often is to focus on what works for their finances and long-term plans, rather than feeling pressured to make a move. I believe in being straightforward about pricing, expectations and the pros and cons of each property.”

Steve Bulatovic, written answer of November 4, 2026. Published word for word.

The clients he helps most, in his own words

“I help buyers, sellers and investors, particularly families navigating their next move and clients who appreciate practical advice and clear communication. My goal is to make the process easier to understand and help people feel confident in their decisions.”

Steve Bulatovic, written answer of November 4, 2026. Published word for word.

Frequently asked questions

Is Steve Bulatovic's licence valid?

Steve Bulatovic declares RECO licence no. 4775389, attached to the agency Sutton Group Realty Systems Inc.. Payotte publishes no status for this licence: it is verifiable on the RECO register, which should be checked before signing.

What areas does Steve Bulatovic serve?

Milton, Oakville, Burlington, Halton Hills, Mississauga and surrounding GTA communities, according to Steve Bulatovic's written statement of November 4, 2026.

What services does Steve Bulatovic offer?

Residential buying and selling, First-time buyers, Move-up buyers, Investment properties and Residential leasing, as a sales representative. Languages of service: English, Macedonian, Croatian, Serbian.

How long has Steve Bulatovic been practising?

Since July 2014, according to Steve Bulatovic's written statement.

How can I reach Steve Bulatovic?

Steve Bulatovic can be reached by phone at 416-791-3665 or by email at sbulatovic@sutton.com. The agency Sutton Group Realty Systems Inc. answers at 905-896-3333. Services are offered in English, Macedonian, Croatian and Serbian. 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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