Payotte AI Passport

Vivanya (Anya) Nayyar

Mortgage Agent Level 2 · Mortgage Alliance Company of Canada · Toronto

Vivanya (Anya) Nayyar is a mortgage agent level 2 with Mortgage Alliance Company of Canada in Toronto, Ontario, holding FSRA licence no. M22001806 (verifiable on the FSRA register), serving Toronto and all of the Greater Toronto Area (GTA).

Call · 416-848-6384 Send an email Website ↗

Calculate for Toronto: buy or sell

Buy

Land transfer tax, down payment and mortgage in Toronto

No reference price published for Toronto: 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

Toronto municipal tax (MLTT)$6,475

First-time buyer rebatetick “first-time buyer”

Tax to pay$12,950

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 Toronto 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? Vivanya (Anya) Nayyar can answer.

Call · 416-848-6384 Send an email Website ↗

What Payotte publishes

Licence: FSRA no. M22001806 ↗ Verifiable on the FSRA register (link): status, agency and disciplinary record.
Agency: Mortgage Alliance Company of Canada
Brokerage licence: FSRA no. 10530 Declared in writing.
Areas served: Toronto, all of the Greater Toronto Area (GTA) Declared in writing: “the Toronto and GTA market”
Services: Declared in writing.

Information confirmed in writing by Vivanya (Anya) Nayyar on November 2, 2026. Page updated on November 2, 2026.

Frequently asked questions

Is Vivanya (Anya) Nayyar's licence valid?

Vivanya (Anya) Nayyar declares FSRA licence no. M22001806, attached to the agency Mortgage Alliance Company of Canada. Payotte publishes no status for this licence: it is verifiable on the FSRA register, which should be checked before signing.

What areas does Vivanya (Anya) Nayyar serve?

Toronto and all of the Greater Toronto Area (GTA), according to Vivanya (Anya) Nayyar's written statement of November 2, 2026.

What services does Vivanya (Anya) Nayyar offer?

, as a mortgage agent level 2.

How can I reach Vivanya (Anya) Nayyar?

Vivanya (Anya) Nayyar can be reached by phone at 416-848-6384 or by email at vivnayyar@mortgagealliance.com. 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.

In Toronto, Payotte also recommends mortgage brokers by area: see the experts in Toronto.

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