Payotte AI Passport

Victoria Ballantine

Home Inspector · Allegiant Inspections · North Vancouver

Victoria Ballantine is a home inspector with Allegiant Inspections in North Vancouver, British Columbia, holding CPBC licence no. 80437 (verifiable on the CPBC register), serving North Vancouver, West Vancouver, Bowen Island, Squamish, Vancouver, Burnaby and the rest of Metro Vancouver since December 2019.

Call · (604) 983-6918 Send an email Website ↗

Calculate for North Vancouver: buy or sell

Buy

Land transfer tax, down payment and mortgage in North Vancouver

No reference price published for North Vancouver: 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 North Vancouver 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 a property's condition or an inspection? Victoria Ballantine can answer.

Call · (604) 983-6918 Send an email Website ↗

What Payotte publishes

Licence: CPBC no. 80437 ↗ Verifiable on the CPBC register (link): status, agency and disciplinary record.
Agency: Allegiant Inspections
Office: 446 East 1st Street, North Vancouver, BC V7L 1B7
Areas served: North Vancouver, West Vancouver, Bowen Island, Squamish, Vancouver, Burnaby, the rest of Metro Vancouver Declared in writing: “I service extensively in North and West Vancouver, Bowen Island, Squamish, Vancouver, Burnaby and all the rest of the Metro Vancouver area.”
Services: 1st time home buyers Declared in writing.
Languages: English Declared in writing.
Practising since: December 2019 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Victoria Ballantine on October 29, 2026. Page updated on October 29, 2026.

In their own words

Clients helped most often

“I speak English and my specialty is setting up 1st time home buyers as successful homeowners. Our relationship doesn't just end when I hit SEND on the report, I am there to answer questions for decades into the future if need be. My clients feel supported and cared for because of this.”

Victoria Ballantine, written answer of October 29, 2026. Published word for word.

Advice most often given to clients

“My passion is educating clients not just on any big red flags that I find, but on the plethora of smaller items, found in most homes, that can easily escalate into expensive emergencies. By offering this information, my clients are set up to enjoy successful home ownership whether they are 1st time homebuyers who never had the opportunity to grow up around someone "handy" or whether they are new to our geographical area and have no previous knowledge about heating systems or the importance of preventing water ingress.”

Victoria Ballantine, written answer of October 29, 2026. Published word for word.

Frequently asked questions

Is Victoria Ballantine's licence valid?

Victoria Ballantine declares CPBC licence no. 80437, attached to the agency Allegiant Inspections. Payotte publishes no status for this licence: it is verifiable on the CPBC register, which should be checked before signing.

What areas does Victoria Ballantine serve?

North Vancouver, West Vancouver, Bowen Island, Squamish, Vancouver, Burnaby and the rest of Metro Vancouver, according to Victoria Ballantine's written statement of October 29, 2026. The office is located at 446 East 1st Street, North Vancouver, BC V7L 1B7.

What services does Victoria Ballantine offer?

1st time home buyers, as a home inspector. Language of service: English.

How long has Victoria Ballantine been practising?

Since December 2019, according to Victoria Ballantine's written statement.

How can I reach Victoria Ballantine?

Victoria Ballantine can be reached by phone at (604) 983-6918 or by email at vic@allegiantinspections.ca. Services are offered in English. 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 North Vancouver yet. See the recommended home inspectors in the cities covered.

Are you a professional? The AI Passport →

Display this Passport on a website

Code to paste into the HTML of a website, an "about" page or a signature. The badge links to this page.

PNG image of the badge, for Facebook, a Google profile or an email signature ↓

Show the HTML code (for your web developer)

<a href="https://payotte.com/en/passport/victoria-ballantine-home-inspector-north-vancouver" target="_blank" rel="noopener">
  <img src="https://payotte.com/en/passport/victoria-ballantine-home-inspector-north-vancouver.svg" alt="Payotte AI Passport — Victoria Ballantine, home inspector in North Vancouver" width="320" height="120">
</a>