Payotte AI Passport

Suzie Campagna

Mortgage broker · Multi-Prêts Hypothèques · Mont-Tremblant

Suzie Campagna is a mortgage broker with Multi-Prêts Hypothèques in Mont-Tremblant, Quebec, holding AMF licence no. 218150 (verifiable on the AMF register), serving Mont-Tremblant, Mont-Laurier and surrounding areas since August 2026.

Call · 819-341-0180 Send an email Website ↗

Calculate for Mont-Tremblant: buy or sell

Buy

Land transfer tax, down payment and mortgage in Mont-Tremblant

Starting price: Mont-Tremblant'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 (grille de base 2026)$6,286

First-time buyer rebatetick “first-time buyer”

Tax to payat least $6,286

Minimum down payment (federal rule)$29,500

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

Above $500,000 your municipality may charge a higher rate (up to 3%): the amount is a minimum.

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 Mont-Tremblant 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 Mont-Tremblant 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? Suzie Campagna can answer.

Call · 819-341-0180 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 218150 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Multi-Prêts Hypothèques
Office: 386, rue de St-Jovite, bureau 5, Mont-Tremblant (Québec) J8E 0R2
Areas served: Mont-Tremblant, Mont-Laurier, surrounding areas Declared in writing, in French: « Mont-Tremblant, Mont-Laurier et les alentours »
Services: First home purchase, Cottage, Second home, Refinancing Declared in writing.
Languages: French Declared in writing.
Practising since: August 2026 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Suzie Campagna on October 30, 2026; English translation by Payotte. Page updated on October 31, 2026.

In their own words

Advice to clients, in her own words

“Every project is possible; it’s just a matter of finding the solution.”

Suzie Campagna, written answer of October 30, 2026, in French; English translation by Payotte.

Original in French

« Chaque projet est possible, suffit de trouver la solution. »

Buying or selling in Mont-Tremblant: the figures

In Mont-Tremblant, the median value of a single-dwelling property (single-family house or condo) is $545,000 on the 2026-2028 assessment roll, across 5,302 units.
Mont-Tremblant's roll values reflect the market as of July 1, 2024: they are not current sale prices.
Mont-Tremblant'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 Suzie Campagna's licence valid?

Suzie Campagna declares AMF licence no. 218150, attached to the agency Multi-Prêts Hypothèques. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Suzie Campagna serve?

Mont-Tremblant, Mont-Laurier and surrounding areas, according to Suzie Campagna's written statement of October 30, 2026. The office is located at 386, rue de St-Jovite, bureau 5, Mont-Tremblant (Québec) J8E 0R2.

What services does Suzie Campagna offer?

First home purchase, Cottage, Second home and Refinancing, as a mortgage broker. Language of service: French.

How long has Suzie Campagna been practising?

Since August 2026, according to Suzie Campagna'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 Mont-Tremblant?

On Mont-Tremblant's 2026-2028 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $545,000, across 5,302 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 Suzie Campagna?

Suzie Campagna can be reached by phone at 819-341-0180 or by email at scampagna@multi-prets.ca. Services are offered in 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.

Payotte has no recommended expert in Mont-Tremblant yet. See the recommended mortgage brokers in the cities covered.

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