Payotte AI Passport

Youcef Aitseddik

Residential and commercial real estate broker · Groupe Sutton Action · Brossard

Youcef Aitseddik is a residential and commercial real estate broker with Groupe Sutton Action in Brossard, Quebec, holding OACIQ licence no. G3093 (verifiable on the OACIQ register), serving Brossard, Longueuil, Saint-Hubert, Saint-Lambert, Greenfield Park, La Prairie, Candiac, Carignan, Chambly, Boucherville and Varennes since June 2024.

AI PASSPORT Dated page · licence verifiable at the registry Youcef Aitseddik Residential and commercial real estate broker… payotte.com

Calculate for Brossard: buy or sell

Buy

Land transfer tax, down payment and mortgage in Brossard

Starting price: Brossard's reference price (median value on the 2025-2027 assessment roll). Change any field and everything is recalculated.

Droits de mutation (grille de base 2026)$6,347
First-time buyer rebatetick “first-time buyer”
Tax to payat least $6,347
Minimum down payment (federal rule)$29,910
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$439,100
Monthly payment, 25 years at 4.58%$2,450
Household income needed (stress test)$110,000

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 Brossard as everywhere in Canada (Income Tax Act).

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 Brossard 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? Youcef Aitseddik can answer.

What Payotte publishes

Licence
OACIQ no. G3093 ↗ Verifiable on the OACIQ register (link): status, agency and disciplinary record.
Agency
Groupe Sutton Action
Office
7005, boulevard Taschereau, bureau 190, Brossard (Québec) J4Z 1A7
Areas served
Brossard, Longueuil, Saint-Hubert, Saint-Lambert, Greenfield Park, La Prairie, Candiac, Carignan, Chambly, Boucherville, Varennes Declared in writing, in French: « Brossard, Longueuil, St Hubert, St Lambert, Greenfield Park, La prairie, Candiac, Carignan, Chambly, Boucherville, Varennes… »
Services
Residential real estate, Commercial real estate Declared in writing.
Languages
French Declared in writing.
Practising since
June 2024 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Youcef Aitseddik on November 3, 2026; English translation by Payotte. Page updated on November 3, 2026.

In their own words

Approach, in their own words

“With us, achieving a real estate dream stays within reach and feels simple, thanks to our professional guidance. Building projects and dreams is what we do!!!”

Youcef Aitseddik, written answer of November 3, 2026, in French; English translation by Payotte.

Original in French

« Avec nous, accomplir un rêve immobilier reste à portée de main et se vit en toute simplicité, par notre accompagnement professionnel. Bâtir des projets et des rêves, c’est notre affaire !!! »

Buying or selling in Brossard: the figures

  • In Brossard, the median value of a single-dwelling property (single-family house or condo) is $549,100 on the 2025-2027 assessment roll, across 30,391 units.
  • Brossard's roll values reflect the market as of July 1, 2023: they are not current sale prices.
  • Brossard'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 Youcef Aitseddik's licence valid?

Youcef Aitseddik declares OACIQ licence no. G3093, attached to the agency Groupe Sutton Action. Payotte publishes no status for this licence: it is verifiable on the OACIQ register, which should be checked before signing.

What areas does Youcef Aitseddik serve?

Brossard, Longueuil, Saint-Hubert, Saint-Lambert, Greenfield Park, La Prairie, Candiac, Carignan, Chambly, Boucherville and Varennes, according to Youcef Aitseddik's written statement of November 3, 2026. The office is located at 7005, boulevard Taschereau, bureau 190, Brossard (Québec) J4Z 1A7.

What services does Youcef Aitseddik offer?

Residential real estate and Commercial real estate, as a residential and commercial real estate broker. Language of service: French.

How long has Youcef Aitseddik been practising?

Since June 2024, according to Youcef Aitseddik'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 Brossard?

On Brossard's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $549,100, across 30,391 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 can I reach Youcef Aitseddik?

Youcef Aitseddik can be reached by email at youcefaitseddik@sutton.com. 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.

In Brossard, Payotte also recommends real estate brokers by area: see the experts in Brossard.

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