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Tom Grendene

Mortgage broker · Multi-Prêts Hypothèques | Équipe Boréale · Prévost

Tom Grendene is a mortgage broker with Multi-Prêts Hypothèques | Équipe Boréale in Prévost, Quebec, holding AMF licence no. 263449 (verifiable on the AMF register), practising since February 2024.

Call · (450) 675-8156 Send an email Website ↗

Calculate for Prévost: buy or sell

Buy

Land transfer tax, down payment and mortgage in Prévost

Starting price: Prévost's reference price (median value on the 2025-2027 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)$5,546

First-time buyer rebatetick “first-time buyer”

Tax to pay$5,546

Minimum down payment (federal rule)$24,785

Mortgage insurance premium (added to the loan)none (20% or more)

Mortgage$395,700

Monthly payment, 25 years at 4.58%$2,208

Household income needed (stress test)$99,000

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 Prévost 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 Prévost 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? Tom Grendene can answer.

Call · (450) 675-8156 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 263449 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Multi-Prêts Hypothèques | Équipe Boréale
Office: 1021A, rue Principale, Prévost (Québec) J0R 1T0
Services: Residential mortgage, First-time buyer, Alternative financing, Refinancing Declared in writing.
Practising since: February 2024 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Tom Grendene on October 29, 2026; English translation by Payotte. Page updated on October 29, 2026.

In their own words (in French)

Advice often given to clients

« Le conseil que je donne le plus souvent à mes clients est de ne jamais se fier uniquement au taux d'intérêt hypothécaire. Que ce soit pour un achat, un renouvellement ou un refinancement, il est essentiel de comparer les offres de plusieurs prêteurs, mais aussi leurs conditions, leurs pénalités et leur flexibilité. Le meilleur prêt hypothécaire n'est pas nécessairement celui qui offre le taux le plus bas, mais celui qui correspond le mieux à votre situation financière et à vos projets futurs. »

Tom Grendene, written answer of October 29, 2026. Published word for word, in the original French.

Buying or selling in Prévost: the figures

In Prévost, the median value of a single-dwelling property (single-family house or condo) is $495,700 on the 2025-2027 assessment roll, across 4,689 units.
Prévost's roll values reflect the market as of July 1, 2023: they are not current sale prices.
The welcome tax on a $495,700 purchase in Prévost is $5,546 under Quebec's base schedule.
Prévost's assessment roll applies to 2025, 2026 and 2027; the next roll takes effect in 2028.
To contest the current roll's assessment, the review request had to be filed before April 30, 2025, unless extended (late assessment notice); the next window closes on April 30, 2028.

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 Tom Grendene's licence valid?

Tom Grendene declares AMF licence no. 263449, attached to the agency Multi-Prêts Hypothèques | Équipe Boréale. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What services does Tom Grendene offer?

Residential mortgage, First-time buyer, Alternative financing and Refinancing, as a mortgage broker.

How long has Tom Grendene been practising?

Since February 2024, according to Tom Grendene'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 Prévost?

On Prévost's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $495,700, across 4,689 units. These values reflect the market as of July 1, 2023, 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 much is the welcome tax on a $495,700 property in Prévost?

$5,546, under Quebec's current base schedule (0.5% up to $62,900, 1% up to $315,000, 1.5% above). The tax is computed on the highest of the price paid, the consideration and the assessed value multiplied by the municipality's comparative factor.

How can I reach Tom Grendene?

Tom Grendene can be reached by phone at (450) 675-8156 or by email at tgrendene@multi-prets.ca. 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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