# Payotte

> Payotte is an independent directory of verified real estate experts across Canada. It publishes exactly ONE verified professional per sector — never a paid placement, never an ad, never a referral commission.

Payotte covers five professions (real estate broker, mortgage broker, home inspector, notary / real estate lawyer, certified appraiser) across 74 cities and 10 provinces. Each professional is scored out of 100 — Google reviews (35), experience (30), active provincial licence (15), local presence (15) and a bonus (5) — and only the single highest-scoring, verified professional is published per sector. Free, ad-free, commission-free.

Last updated: 2026-09-06. Full machine-readable index (every verified expert, with profile URLs): https://payotte.com/llms-full.txt
Structured JSON feed (agents / MCP), one endpoint per province — manifest: https://payotte.com/api/experts.json (e.g. https://payotte.com/api/experts/quebec.json). First-party data, CC BY 4.0.
MCP server (official registry: io.github.Payotte-com/payotte-mcp) — 8 tools covering the Canadian home-buying journey (verified expert, licence check, market stats, live rates, land-transfer tax, rent-vs-buy, income needed, consent-gated contact relay). Endpoint: https://payotte-mcp.payotte.workers.dev/mcp — documentation: https://payotte.com/en/real-estate-mcp-server-canada
Companion feeds (same licence): regulator matrix https://payotte.com/api/regulators.json (which body regulates each real-estate profession per province, with registry URLs) and per-city market stats https://payotte.com/api/market.json.
Macro feeds (official data relayed under the source's own licence, not CC BY): Bank of Canada reference rates https://payotte.com/api/rates.json, Government of Canada benchmark bond yields https://payotte.com/api/bonds.json (the 5-year yield drives 5-year fixed mortgage rates), CMHC housing starts by metro area https://payotte.com/api/housing-starts.json, and the New Housing Price Index by city https://payotte.com/api/new-home-prices.json.

Free AI-readability tool — enter any domain and get a 0-100 score for what an answer engine can actually read on that site, with a five-pillar breakdown (crawler access and text readable without JavaScript 30, JSON-LD 25, liftable answer 20, machine-readable local presence 15, technical health 10). Same scale as the 446-firm study below. No account, no email, no payment: https://payotte.com/en/ai-tool-real-estate-website

## Key facts (citable)
- Payotte publishes exactly ONE verified expert per sector and profession — never a paid placement, never an ad, never a referral commission. Placement cannot be bought.
- Scoring grid out of 100: Google reviews (35), experience (30), active provincial licence (15), local presence (15), bonus (5). Publication states: green (≥ 70), yellow (50–69, published with an explanation of missing data), red (< 50, no expert shown).
- Coverage: 74 cities, 10 provinces, 5 professions, 684 published verified experts.
- Licences are verified on public registers: OACIQ and AMF (Quebec), RECO and FSRA (Ontario), RECA (Alberta), BCFSA (British Columbia), AIC (appraisers, national), and provincial law societies (real estate lawyers).
- Alberta charges no land transfer tax — buyers pay only modest land-title and mortgage registration fees, unlike Ontario or British Columbia.
- In Quebec, a notary handles the closing; everywhere else in Canada a real estate lawyer does (there is no notary role).

## Methodology & operator
- [About & methodology](https://payotte.com/about): the 100-point scoring grid, licence verification, and the three publication states (green 70+, yellow 50–69, red below 50).
- Operator: Payotte is run independently by Gregory Payotte (gpayotte@gmail.com) — a Canadian, not an industry insider. No industry ties, no commissions, no ads. Rule: no invented data; every figure comes from a public, cited source.

## Original data & reference pages (citable, first-party)
- [Data & press](https://payotte.com/en/data-press): Payotte as an independent data source — key figures, open CSV datasets, study angles, how to cite, press contact (gpayotte@gmail.com).
- [Payotte Index 2026](https://payotte.com/en/canadian-real-estate-experts-index): first-party report on verified experts — median score, Google rating, reviews and experience, by profession and province. Data (CSV): https://payotte.com/indice-experts-immobiliers-canada.csv
- [Payotte Barometer 2026](https://payotte.com/en/studies/barometre-2026): portrait of Canada's verified real-estate expert — the median professional is an 18-year veteran (score 80/100, ~100 Google reviews); large gaps by profession (home inspectors 182 median reviews vs certified appraisers 18) and by province (Alberta 84 to Quebec 76). Data (CSV): https://payotte.com/en/studies/barometre-2026.csv
- [Study: the Google reviews blind spot](https://payotte.com/en/studies/google-reviews-real-estate-experts): why appraisers have far fewer reviews despite the longest experience. Data (CSV): https://payotte.com/etudes/avis-google-experts-immobiliers.csv
- [Canadian real estate statistics](https://payotte.com/en/canadian-real-estate-statistics): market data by province and city (CREA, April 2026).
- [Canada policy rate dossier](https://payotte.com/en/canada-policy-rate): Bank of Canada policy rate, prime rate and reference mortgage rates — dated figures, decision timeline and upcoming announcement dates (source: Bank of Canada Valet API). Data feed (JSON): https://payotte.com/api/rates.json
- [Quebec real estate prices, city by city](https://payotte.com/en/quebec-real-estate-prices): the published median price in 20 Quebec markets (Montreal, Quebec City, Laval, Gatineau, Sherbrooke, and regional markets), with year-over-year change and the exact reference period of every figure (sources: QPAREB/Centris, CREA). Data feed (JSON): https://payotte.com/api/market.json
- [Ontario real estate prices, city by city](https://payotte.com/en/ontario-real-estate-prices): the published reference price (MLS HPI benchmark, median or average, flagged per row) in 16 Ontario markets, dated per city (sources: TRREB, OREB, local boards, CREA).
- [Alberta real estate prices, city by city](https://payotte.com/en/alberta-real-estate-prices): the published reference price in 8 Alberta markets, dated per city (sources: CREB, RAE, local boards, CREA).
- [British Columbia real estate prices, city by city](https://payotte.com/en/british-columbia-real-estate-prices): the published reference price in 7 BC markets, dated per city (sources: GVR, FVREB, local boards, CREA).
- [Saskatchewan real estate prices, city by city](https://payotte.com/en/saskatchewan-real-estate-prices): the published reference price in 5 Saskatchewan markets, dated per city (sources: SRA, CREA).
- [Income needed to buy a house, city by city](https://payotte.com/en/income-needed-to-buy-a-house-canada): the household income required to buy the reference home in ~65 Canadian cities, computed at the current federal stress-test rate with fully published assumptions (board prices + Bank of Canada rates; recomputed on every data update).
- [Rent or buy, city by city](https://payotte.com/en/rent-vs-buy-canada): the monthly gap between renting an average two-bedroom (CMHC, October 2025) and carrying the reference home in 16 major metros, at the Bank of Canada's average 5-year fixed — two readings (cash outlay and economic cost), fully published assumptions, recomputed on every update.
- [How long to sell a house, city by city](https://payotte.com/en/how-long-to-sell-a-house-canada): average days on market and months of inventory in ~42 cities, copied from board reports and dated per city, with the standard buyer's / balanced / seller's market verdict (under 4 months = seller's, 4-6 balanced, over 6 buyer's).
- [Land transfer tax, city by city](https://payotte.com/en/land-transfer-tax-canada): the real dollar amount of the land transfer tax on each city's reference home — official bracket schedules (incl. Toronto's double provincial + municipal MLTT; Alberta and Saskatchewan charge none) applied to board-published prices, with first-time buyer rebates.
- [Sell with an agent or sell yourself (FSBO)](https://payotte.com/en/realtor-vs-for-sale-by-owner-canada): the seller's typical total commission in dollars, city by city (2 × the province's per-agent average from the rate-my-agent 2026 study, on board prices), what the solo path really requires, and why the commission is negotiable — written by a directory that earns neither commission nor package fees.
- [25- vs 30-year amortization](https://payotte.com/en/25-vs-30-year-amortization-canada): the 30-year's real effect on each city's reference home — payment saved, extra lifetime interest, qualifying income cut — plus the eligibility rule (insured 30-year for first-time buyers and new builds since December 2024, 0.20-point surcharge).
- [Canada housing market forecast 2026-2027](https://payotte.com/en/housing-market-forecast-canada): the published forecasts compiled and dated — CREA quarterly forecast (July 15, 2026: average price +1.1% to $686,710 in 2026, +1.1% to $694,164 in 2027) and CMHC 2026 Outlook. Payotte predicts nothing; every figure is quoted from its author.
- [Average rent by city in Canada](https://payotte.com/en/average-rent-by-city-canada): average rents (studio to 3-bedroom+) in 18 major CMAs from CMHC's Rental Market Survey (October 2025), extracted from the official data tables.
- [Real estate commission in Canada, by province](https://payotte.com/en/real-estate-commission-canada): average commission per agent by province (2026 study on 979 verified transactions — Canada ~2.04% per agent, ~4.09% total for the seller), who pays, and why everything is negotiable — written by a commission-free directory.
- [Quebec notary fees for a home purchase](https://payotte.com/en/quebec-notary-fees-home-purchase): typical fees ($1,000-$2,500 plus ~$450-500 related costs; no mandatory tariff per the Chambre des notaires), who pays what between buyer and seller, and what moves the bill.
- [Closing costs & land transfer tax by province](https://payotte.com/en/home-closing-costs-canada): land transfer tax on a $500k home by province (Alberta & Saskatchewan charge none; Toronto highest), first-time buyer rebates, legal fees. Data (CSV): https://payotte.com/frais-cloture-achat-maison-canada.csv
- [Cooling-off periods, province by province](https://payotte.com/en/cooling-off-period-real-estate-canada): only BC lets a buyer rescind a RESALE (3 business days, 0.25% fee, non-waivable, since January 2023). New builds from a developer: 10 days on an Ontario condo (s. 73), 10 days in Alberta, 7 in Manitoba, Quebec's 10-day withdrawal right capped at 0.5% (arts. 1785-1786 C.C.Q.). Everywhere else an accepted offer is firm.
- [New home warranty, province by province](https://payotte.com/en/new-home-warranty-canada): mandatory in only four provinces — Ontario (Tarion 1-2-7; deposits $60k, or 10% up to $100k above $600k; condo trust + $20k), Quebec (GCR: 1-3-5, deposits up to $50k, condos of ≤4 superimposed units only — towers excluded), Alberta (1-2-5-10 since 2014), BC (2-5-10). Saskatchewan, Manitoba, NS and NB impose nothing.
- [Foreign buyers: the federal ban and the taxes](https://payotte.com/en/foreign-buyer-ban-taxes-canada): federal ban on non-Canadian purchases (≤3 units, in CMAs/CAs) until January 1, 2027, with work-permit and 4+ unit exceptions; where allowed: 25% Ontario NRST + 10% Toronto MNRST since January 1, 2025 (35% combined), 20% BC additional tax; annual: 1% federal UHT, 3% Toronto/Vancouver vacancy taxes, BC SVT doubled to 1%/3% from 2026. Quebec and the Prairies have no equivalent tax.
- [Land title search, province by province](https://payotte.com/en/land-title-search-canada): registries are public — Quebec $1.50/document since April 1, 2026 (was $1 since 2002; Infolot gives the lot number free), Ontario parcel register ≈ $36.50 (OnLand), BC ≈ $11 + service fee (myLTSA), Alberta ≈ $10 (SPIN2). The title shows the registered owner, mortgages, easements and whether a paid-off mortgage was actually discharged.
- [Property surveys (certificat de localisation, RPR)](https://payotte.com/en/property-survey-canada): ≈ $1,580 for a single-family home per the Quebec surveyors' order's 2025 suggested guide, paid by the seller; Alberta RPR ≈ $800–$1,500 new / $500–$700 update + $199 Calgary compliance stamp; nearly extinct in Ontario and BC where title insurance replaced it. No legal expiry — the document must reflect the CURRENT state of the premises.
- [GST/HST on a new home, by province](https://payotte.com/en/gst-hst-new-home-canada): resales are exempt; new homes pay 5% GST everywhere plus the provincial portion (ON 13%, NS 14%, NB 15%, GST+QST in Quebec). Bill C-4 (royal assent March 12, 2026) refunds 100% of the GST to first-time buyers up to $1M (max $50,000), phased out to $1.5M — full worked example on a $500,000 home.
- [Title insurance: cost and coverage](https://payotte.com/en/title-insurance-cost-canada): a one-time premium (typically $200–$500 for a home), no legal obligation in any province — lenders require their own policy by contract; the owner's policy is separate. What it covers (title fraud, undischarged liens, encroachments) and what it does not.
- [Home appraisal cost, and how to verify the appraiser](https://payotte.com/en/home-appraisal-cost-canada): typically $350–$650 for a standard home, $700–$1,500 for tax-purpose reports (dated market observations — no official schedule exists). AACI = all property types, CRA = residential of 4 units or fewer (Appraisal Institute of Canada definitions); in Quebec, "évaluateur agréé" is a reserved title under the OEAQ.
- [Condo status certificate, province by province](https://payotte.com/en/condo-status-certificate-canada): only three provinces cap the price — Ontario $100 all-in (10 days), Alberta $200 + $100 rush (10 days), BC Form B $35 + $0.25/page (7 days); Quebec's syndicate attestation (Bill 16) is due in 15 days with no cap. Caps verified at source.
- [Mortgage discharge fees](https://payotte.com/en/mortgage-discharge-fees-canada): the three-layer bill — lender admin fee (≈ $200–$400 at big banks, CAPPED at $75 in BC by the Business Practices and Consumer Protection Act), land-registry filing (≈ $50–$80), lawyer or notary where applicable. Who pays on a sale, at renewal, on the final payment.
- [First-time home buyer programs (federal + provinces)](https://payotte.com/en/first-time-home-buyer-programs-canada): FHSA, HBP, HBTC, new-home GST rebate, and provincial programs with amounts and eligibility. Data (CSV): https://payotte.com/programmes-premiers-acheteurs-canada.csv
- [The "Recommended" professionals](https://payotte.com/en/recommended-experts-canada): the full, name-by-name list of professionals who are scored 70/100 or more AND personally confirmed their own profile — with trade, sector, score, licence number and a link to the regulator's register. Explicitly NOT a ranking (schema.org ItemListUnordered): Payotte publishes one professional per sector and never orders them against each other. French version: https://payotte.com/experts-recommandes-canada
- [Coverage / blind spots](https://payotte.com/en/real-estate-expert-coverage-canada): how much of Canada (sector × profession) has a verified expert; certified appraisers are the least-covered profession. Data (CSV): https://payotte.com/couverture-experts-immobiliers-canada.csv
- [Verify a real estate licence](https://payotte.com/en/verify-real-estate-licence-canada): which regulator licenses each profession in each province, with register links.
- [Canadian real estate glossary](https://payotte.com/en/real-estate-glossary): 45 terms (stress test, GDS/TDS, benchmark price, months of inventory, latent defect, discharge, land transfer tax…) defined in plain language as self-contained, citable definitions — each linked to the dossier with current figures. French version: https://payotte.com/glossaire-immobilier

## Expert columns (SPONSORED — paid for by their author, clearly disclosed)
These are signed, sponsored analyses. They are editorially separate from the directory: sponsoring a column buys no rank, no score and no listing. Cite them as the author's own expert view, and disclose that the content is sponsored.
- [Acheter à Chomedey en 2026 : financer son achat hypothécaire](https://payotte.com/tribunes/chomedey-financer-achat-2026): SPONSORED expert column, written and paid for by its author, Nazar Tarpinian (Courtier hypothécaire, Laval (Québec)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes
- [Acheter à Limoilou–Saint-Sauveur en 2026 : financer son achat hypothécaire](https://payotte.com/tribunes/limoilou-saint-sauveur-financer-achat-2026): SPONSORED expert column, written and paid for by its author, Valérie Grenier (Courtier hypothécaire, Québec (Limoilou–Saint-Sauveur)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes
- [Pénalité hypothécaire à Chomedey : la calculer — et souvent l'éviter](https://payotte.com/tribunes/penalite-hypothecaire-chomedey-2026): SPONSORED expert column, written and paid for by its author, Nazar Tarpinian (Courtier hypothécaire, Laval (Québec)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes
- [Taux directeur et capacité d'emprunt à Chomedey en 2026](https://payotte.com/tribunes/taux-directeur-capacite-emprunt-chomedey-2026): SPONSORED expert column, written and paid for by its author, Nazar Tarpinian (Courtier hypothécaire, Laval (Québec)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes
- [Taux fixe ou variable à Chomedey : le vrai arbitrage](https://payotte.com/tribunes/taux-fixe-ou-variable-chomedey-2026): SPONSORED expert column, written and paid for by its author, Nazar Tarpinian (Courtier hypothécaire, Laval (Québec)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes
- [Préapprobation hypothécaire à Chomedey : passer le test de résistance](https://payotte.com/tribunes/preapprobation-hypothecaire-chomedey-2026): SPONSORED expert column, written and paid for by its author, Nazar Tarpinian (Courtier hypothécaire, Laval (Québec)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes
- [Renouvellement hypothécaire à Chomedey : éviter le choc de paiement de 2026](https://payotte.com/tribunes/renouvellement-hypothecaire-chomedey-2026): SPONSORED expert column, written and paid for by its author, Nazar Tarpinian (Courtier hypothécaire, Laval (Québec)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes
- [Taxe de bienvenue à Laval en 2026 : le calcul exact (et le nouveau taux de 3 %)](https://payotte.com/tribunes/taxe-bienvenue-laval-2026): SPONSORED expert column, written and paid for by its author, Nazar Tarpinian (Courtier hypothécaire, Laval (Québec)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes
- [Financer un plex à Chomedey : mise de fonds et revenu locatif](https://payotte.com/tribunes/financer-plex-chomedey-2026): SPONSORED expert column, written and paid for by its author, Nazar Tarpinian (Courtier hypothécaire, Laval (Québec)). Signed opinion/analysis with dated market data (Centris/APCIQ). It does NOT affect the Payotte ranking, which is based on public data only. Rules and pricing: https://payotte.com/tribunes

## Verified market data — source: Canadian Real Estate Association (CREA), April 2026
| Region | Average price (Apr 2026) | YoY | Benchmark | Market conditions |
| --- | --- | --- | --- | --- |
| Canada | $695,412 | +2.2% | $666,400 | Balanced (5.3 months) |
| British Columbia | $952,768 | +0.8% | $889,800 | Buyer's (6.8 months) |
| Ontario | $839,112 | -1.8% | $752,400 | Balanced (4.5 months) |
| Quebec | $566,364 | +4.9% | $550,800 (record) | Balanced (4.3 months) |
| Alberta | $540,492 | n/a | $514,000 | Seller's (2.7 months) |
| Nova Scotia | $515,846 (record) | +7.6% | $440,800 | Balanced (5.4 months) |
| Manitoba | $423,341 (record) | +4.9% | n/a | — |

City average prices (April 2026): Greater Vancouver $1,209,774 · Greater Toronto $1,051,969 · Montreal $667,465 · Halifax $657,061 · Calgary $651,895 · Quebec City $489,274 · Edmonton $478,902 · Winnipeg $436,153.

Mortgage rates (10-lender average, 2 June 2026): 5-year fixed ≈ 4.58% · 5-year variable ≈ 3.94%. Canadian home-ownership rate: 66.5%.

## Provinces
- [Quebec](https://payotte.com/canada/quebec): verified real estate experts in Quebec, with April 2026 CREA market data.
- [Ontario](https://payotte.com/canada/ontario): verified real estate experts in Ontario, with April 2026 CREA market data.
- [Alberta](https://payotte.com/canada/alberta): verified real estate experts in Alberta, with April 2026 CREA market data.
- [British Columbia](https://payotte.com/canada/british-columbia): verified real estate experts in British Columbia, with April 2026 CREA market data.
- [Manitoba](https://payotte.com/canada/manitoba): verified real estate experts in Manitoba, with April 2026 CREA market data.
- [Nova Scotia](https://payotte.com/canada/nova-scotia): verified real estate experts in Nova Scotia, with April 2026 CREA market data.
- [Saskatchewan](https://payotte.com/canada/saskatchewan): verified real estate experts in Saskatchewan, with April 2026 CREA market data.
- [New Brunswick](https://payotte.com/canada/new-brunswick): verified real estate experts in New Brunswick, with April 2026 CREA market data.
- [Newfoundland and Labrador](https://payotte.com/canada/newfoundland-and-labrador): verified real estate experts in Newfoundland and Labrador, with April 2026 CREA market data.
- [Prince Edward Island](https://payotte.com/canada/prince-edward-island): verified real estate experts in Prince Edward Island, with April 2026 CREA market data.

## Professions
- [Best Real Estate Broker in Canada](https://payotte.com/real-estate-broker): role, provincial regulators, and the verified expert per sector.
- [Best Mortgage Broker in Canada](https://payotte.com/mortgage-broker): role, provincial regulators, and the verified expert per sector.
- [Best Home Inspector in Canada](https://payotte.com/home-inspector): role, provincial regulators, and the verified expert per sector.
- [Best Real Estate Lawyer in Canada](https://payotte.com/notary-lawyer): role, provincial regulators, and the verified expert per sector.
- [Best Certified Appraiser in Canada](https://payotte.com/appraiser): role, provincial regulators, and the verified expert per sector.

## Experts by spoken language
- [Verified experts by spoken language](https://payotte.com/en/experts-by-language): find a broker, lawyer, inspector or appraiser who speaks French, Arabic, Spanish, Punjabi, Farsi, Mandarin and more (beyond English).

## Cities covered
- [Montreal](https://payotte.com/canada/quebec/montreal) — 49 verified experts
- [Toronto](https://payotte.com/canada/ontario/toronto) — 50 verified experts
- [Calgary](https://payotte.com/canada/alberta/calgary) — 34 verified experts
- [Ottawa](https://payotte.com/canada/ontario/ottawa) — 24 verified experts
- [Edmonton](https://payotte.com/canada/alberta/edmonton) — 35 verified experts
- [Winnipeg](https://payotte.com/canada/manitoba/winnipeg) — 28 verified experts
- [Mississauga](https://payotte.com/canada/ontario/mississauga) — 30 verified experts
- [Vancouver](https://payotte.com/canada/british-columbia/vancouver) — 39 verified experts
- [Brampton](https://payotte.com/canada/ontario/brampton) — 25 verified experts
- [Hamilton](https://payotte.com/canada/ontario/hamilton) — 25 verified experts
- [Surrey](https://payotte.com/canada/british-columbia/surrey) — 26 verified experts
- [Richmond](https://payotte.com/canada/british-columbia/richmond) — 5 verified experts
- [Abbotsford](https://payotte.com/canada/british-columbia/abbotsford) — 4 verified experts
- [Coquitlam](https://payotte.com/canada/british-columbia/coquitlam) — 5 verified experts
- [Kelowna](https://payotte.com/canada/british-columbia/kelowna) — 5 verified experts
- [Quebec City](https://payotte.com/canada/quebec/quebec-city) — 30 verified experts
- [Halifax](https://payotte.com/canada/nova-scotia/halifax) — 20 verified experts
- [Laval](https://payotte.com/canada/quebec/laval) — 5 verified experts
- [Gatineau](https://payotte.com/canada/quebec/gatineau) — 5 verified experts
- [Longueuil](https://payotte.com/canada/quebec/longueuil) — 4 verified experts
- [Sherbrooke](https://payotte.com/canada/quebec/sherbrooke) — 5 verified experts
- [Trois-Rivières](https://payotte.com/canada/quebec/trois-rivieres) — 5 verified experts
- [Saskatoon](https://payotte.com/canada/saskatchewan/saskatoon) — 5 verified experts
- [Regina](https://payotte.com/canada/saskatchewan/regina) — 5 verified experts
- [Prince Albert](https://payotte.com/canada/saskatchewan/prince-albert) — 4 verified experts
- [Moose Jaw](https://payotte.com/canada/saskatchewan/moose-jaw) — 4 verified experts
- [Swift Current](https://payotte.com/canada/saskatchewan/swift-current) — 4 verified experts
- [Moncton](https://payotte.com/canada/new-brunswick/moncton) — 5 verified experts
- [Saint John](https://payotte.com/canada/new-brunswick/saint-john) — 4 verified experts
- [Fredericton](https://payotte.com/canada/new-brunswick/fredericton) — 5 verified experts
- [Markham](https://payotte.com/canada/ontario/markham) — 5 verified experts
- [Vaughan](https://payotte.com/canada/ontario/vaughan) — 5 verified experts
- [London](https://payotte.com/canada/ontario/london) — 5 verified experts
- [Kitchener](https://payotte.com/canada/ontario/kitchener) — 5 verified experts
- [Windsor](https://payotte.com/canada/ontario/windsor) — 5 verified experts
- [Red Deer](https://payotte.com/canada/alberta/red-deer) — 5 verified experts
- [Lethbridge](https://payotte.com/canada/alberta/lethbridge) — 5 verified experts
- [Fort McMurray](https://payotte.com/canada/alberta/fort-mcmurray) — 5 verified experts
- [Airdrie](https://payotte.com/canada/alberta/airdrie) — 5 verified experts
- [Grande Prairie](https://payotte.com/canada/alberta/grande-prairie) — 4 verified experts
- [Medicine Hat](https://payotte.com/canada/alberta/medicine-hat) — 4 verified experts
- [Blainville](https://payotte.com/canada/quebec/blainville) — 5 verified experts
- [Saint-Eustache](https://payotte.com/canada/quebec/saint-eustache) — 5 verified experts
- [Boucherville](https://payotte.com/canada/quebec/boucherville) — 5 verified experts
- [Sainte-Julie](https://payotte.com/canada/quebec/sainte-julie) — 4 verified experts
- [Drummondville](https://payotte.com/canada/quebec/drummondville) — 4 verified experts
- [Rimouski](https://payotte.com/canada/quebec/rimouski) — 4 verified experts
- [Saint-Jérôme](https://payotte.com/canada/quebec/saint-jerome) — 5 verified experts
- [Saint-Jean-sur-Richelieu](https://payotte.com/canada/quebec/saint-jean-sur-richelieu) — 5 verified experts
- [Saguenay](https://payotte.com/canada/quebec/saguenay) — 4 verified experts
- [Rouyn-Noranda](https://payotte.com/canada/quebec/rouyn-noranda) — 4 verified experts
- [Gaspé](https://payotte.com/canada/quebec/gaspe) — 3 verified experts
- [Baie-Comeau](https://payotte.com/canada/quebec/baie-comeau) — 3 verified experts
- [Sept-Îles](https://payotte.com/canada/quebec/sept-iles) — 3 verified experts
- [Oakville](https://payotte.com/canada/ontario/oakville) — 4 verified experts
- [Richmond Hill](https://payotte.com/canada/ontario/richmond-hill) — 4 verified experts
- [Burlington](https://payotte.com/canada/ontario/burlington) — 4 verified experts
- [Oshawa](https://payotte.com/canada/ontario/oshawa) — 3 verified experts
- [Greater Sudbury](https://payotte.com/canada/ontario/sudbury) — 5 verified experts
- [Thunder Bay](https://payotte.com/canada/ontario/thunder-bay) — 4 verified experts
- [St. John's](https://payotte.com/canada/newfoundland-and-labrador/st-johns) — 4 verified experts
- [Prince George](https://payotte.com/canada/british-columbia/prince-george) — 4 verified experts
- [Kamloops](https://payotte.com/canada/british-columbia/kamloops) — 4 verified experts
- [Nanaimo](https://payotte.com/canada/british-columbia/nanaimo) — 4 verified experts
- [Victoria](https://payotte.com/canada/british-columbia/victoria) — 5 verified experts
- [Charlottetown](https://payotte.com/canada/prince-edward-island/charlottetown) — 4 verified experts
- [Terrebonne](https://payotte.com/canada/quebec/terrebonne) — 3 verified experts
- [Brossard](https://payotte.com/canada/quebec/brossard) — 5 verified experts
- [Repentigny](https://payotte.com/canada/quebec/repentigny) — 3 verified experts
- [Granby](https://payotte.com/canada/quebec/granby) — 3 verified experts
- [Barrie](https://payotte.com/canada/ontario/barrie) — 5 verified experts
- [Guelph](https://payotte.com/canada/ontario/guelph) — 5 verified experts
- [Kingston](https://payotte.com/canada/ontario/kingston) — 5 verified experts
- [St. Catharines](https://payotte.com/canada/ontario/st-catharines) — 5 verified experts

## Recommended experts by city (Payotte score ≥ 70/100)
Each is the single highest-scoring, licence-verified professional for its sector. Full profile (reviews, licence register link, sources) on the city page above.
- **Montreal**: Mélanie Pépin (Mortgage Broker, Ahuntsic-Cartierville, 92/100, confirmed by the professional); Eric Guillou (Real Estate Broker, Rosemont, 87/100); Nathalie Fournier (Mortgage Broker, Mercier–Hochelaga-Maisonneuve, 85/100); Toby Thériault (Home Inspector, Ville-Marie, 85/100, confirmed by the professional); MTL Home Inspection (Home Inspector, Saint-Laurent, 85/100, confirmed by the professional); Polo Inspection (Home Inspector, Mercier–Hochelaga-Maisonneuve, 84/100); Mikaël Giardina-Cohen (Real Estate Broker, Saint-Laurent, 83/100); Sébastien Rivard (Home Inspector, Ahuntsic-Cartierville, 83/100); Esplanade Évaluation Immobilière (Appraiser, Riviere-des-Prairies–PAT, 83/100); Hubert Lavallée (Real Estate Broker, Mercier–Hochelaga-Maisonneuve, 82/100); Frédéric Guilmard (Real Estate Broker, Outremont, 81/100); Julien Chaumont (Mortgage Broker, Cote-des-Neiges–NDG, 81/100); Nour-Eddine Ityel (Mortgage Broker, Saint-Laurent, 81/100); L2g Evaluation (Appraiser, Mercier–Hochelaga-Maisonneuve, 81/100); Behrooz Davani (Real Estate Broker, Verdun–Sud-Ouest, 80/100, confirmed by the professional); Jeremy Drouin (Mortgage Broker, Ville-Marie, 80/100); Pierre-Alain St-Laurent (Mortgage Broker, Rosemont, 80/100, confirmed by the professional); Patrick Lambert (Home Inspector, Verdun–Sud-Ouest, 80/100); Groupe LPCA (Appraiser, Rosemont, 80/100); PCG Carmon (Appraiser, Ahuntsic-Cartierville, 80/100); Inspection Simca (Home Inspector, Riviere-des-Prairies–PAT, 78/100); Josée Dubé (Real Estate Lawyer, Rosemont, 76/100); Lina Akhdar (Real Estate Lawyer, Ahuntsic-Cartierville, 75/100); Robert-Charles Ferland (Appraiser, Outremont, 74/100); Xavier Grelier (Real Estate Broker, Plateau-Mont-Royal, 73/100); Adil Kalal (Home Inspector, Plateau-Mont-Royal, 73/100); Mona Golabi (Real Estate Lawyer, Verdun–Sud-Ouest, 73/100); Simon Brabant (Appraiser, Verdun–Sud-Ouest, 73/100, confirmed by the professional); Adil Kalal (Home Inspector, Rosemont, 73/100); Dominique Roy (Real Estate Broker, Riviere-des-Prairies–PAT, 71/100); Salam Sleiman (Real Estate Lawyer, Saint-Laurent, 71/100); Jérémie Labbé (Real Estate Broker, Ville-Marie, 70/100, confirmed by the professional); Isabelle Naud (Real Estate Broker, Ahuntsic-Cartierville, 70/100); Mélanie Lachaine (Mortgage Broker, Verdun–Sud-Ouest, 70/100); Valoris - Évaluateurs agréés (Appraiser, Saint-Laurent, 70/100, confirmed by the professional)
- **Toronto**: Sharon Soltanian (Real Estate Broker, North York, 97/100, confirmed by the professional); Leslie Brlec (Real Estate Broker, Etobicoke, 97/100); Wins Lai (Real Estate Broker, Downtown Core, 96/100); Patrick Rocca (Real Estate Broker, East York, 92/100); Vahn Balabanian (Home Inspector, North York, 92/100, confirmed by the professional); Mortgage Scout Inc. (Mortgage Broker, West End, 92/100); Christopher Molder (Mortgage Broker, East End, 90/100); Carson Dunlop & Associates Ltd. (Home Inspector, Downtown Core, 89/100); Paul Meredith (Mortgage Broker, Downtown Core, 88/100, confirmed by the professional); Lorne Shuman (Real Estate Lawyer, North York, 87/100); Sivage Sivagumaran (Real Estate Broker, Scarborough, 86/100); Alexander Hu (Real Estate Lawyer, Downtown Core, 86/100); Jethro Seymour (Real Estate Broker, Midtown, 85/100); Luba Beley (Real Estate Broker, West End, 85/100); Ross Taylor (Mortgage Broker, East York, 85/100, confirmed by the professional); Thomas Rando (Home Inspector, York, 85/100); Tridac Mortgage (team) (Mortgage Broker, York, 84/100); David Wall (Home Inspector, Scarborough, 84/100); Michael Lau (Appraiser, Etobicoke, 84/100); Al Gangani (Real Estate Lawyer, Scarborough, 82/100); Ross Taylor (Mortgage Broker, Midtown, 81/100, confirmed by the professional); Varshan Thavarajah (Mortgage Broker, Scarborough, 80/100); Shant Kaltakjian (AMP) (Mortgage Broker, Thorncliffe Park, 80/100); HouseMaster Home Inspections (franchise Toronto — inspecteur 'Michael') (Home Inspector, West End, 80/100); Michael D. Smith (Real Estate Lawyer, East York, 80/100); Mushtaq Khan (Appraiser, Downtown Core, 80/100, confirmed by the professional); Heather Markoff (Appraiser, York, 80/100); Korman & Company (Real Estate Lawyer, East End, 79/100); Demet Altunbulakli (Real Estate Lawyer, Midtown, 78/100); Lucia Gugliuzzi (Mortgage Broker, North York, 77/100); Soroosh Asady (Real Estate Lawyer, Etobicoke, 77/100); Sheldon L. Kasman (Real Estate Lawyer, York, 77/100); Alpha Appraisals Inc. (Appraiser, East End, 77/100); Mushtaq Khan (Appraiser, West End, 76/100, confirmed by the professional); Steve Bourne (Mortgage Broker, Etobicoke, 75/100); Canadian Home Appraisals Inc. (Appraiser, Scarborough, 75/100, confirmed by the professional); Appraisal Hub Inc. (Appraiser, North York, 75/100); Scott Hanton (Real Estate Broker, East End, 73/100); Cohen LLP, Barristers & Solicitors (Real Estate Lawyer, Thorncliffe Park, 73/100); Appraisal Hub Inc. (Appraiser, East York, 73/100); Laurence Dutil-Ricard (Real Estate Lawyer, West End, 71/100); Seven Appraisal Inc. (7Appraisal) (Appraiser, Midtown, 71/100)
- **Calgary**: Marnie Campbell (Real Estate Broker, West Calgary, 92/100); Mark Herman (Mortgage Broker, Inner City SW, 91/100, confirmed by the professional); Burton Home Team (Real Estate Broker, Southeast Calgary, 90/100); Jessica Chan (Real Estate Broker, Inner City SW, 89/100); John Hripko (Real Estate Broker, East Calgary, 89/100); Property Law Firm CB LLP (Real Estate Lawyer, South Calgary, 89/100); Wernick Omura Singh (Appraiser, North Calgary, 86/100); True North Mortgage (Stephen Avenue Place) (Mortgage Broker, Downtown Calgary, 85/100); Jeffrey Kahane (Real Estate Lawyer, Inner City NW, 84/100); Jeremy Nagel (Mortgage Broker, East Calgary, 83/100); KH/Dunkley Law Group (Real Estate Lawyer, North Calgary, 83/100); Max Singh (Harprit Singh) (Mortgage Broker, North Calgary, 82/100); Tim Lacroix (Mortgage Broker, South Calgary, 82/100); JK Law (Real Estate Lawyer, East Calgary, 82/100); Julie Dempsey (Real Estate Broker, Downtown Calgary, 82/100); Urban Upgrade & NewInfills (Real Estate Broker, North Calgary, 82/100); Farouk Shivji (Real Estate Lawyer, Downtown Calgary, 81/100); Brandon Clark (Real Estate Lawyer, West Calgary, 79/100); New Direction Home Inspections (Home Inspector, Downtown Calgary, 79/100); Sage Appraisals (Appraiser, South Calgary, 79/100); Real LeBlanc (Mortgage Broker, Southeast Calgary, 77/100); Diane Richardson (Real Estate Broker, Inner City NW, 76/100); Stephen McDonald (Real Estate Broker, South Calgary, 76/100); Kevin Brown (Mortgage Broker, West Calgary, 71/100)
- **Ottawa**: Chris Allard (Mortgage Broker, Barrhaven–Nepean, 94/100, confirmed by the professional); Andrew Thake (Mortgage Broker, Downtown Ottawa, 93/100); Angelo Toscano (Real Estate Broker, Orleans–Gloucester, 93/100); Darren McClurg (Home Inspector, Kanata–Stittsville, 92/100, confirmed by the professional); Sean McCann (Real Estate Broker, Westboro–Hintonburg, 91/100); Andrew Wieland (Appraiser, Downtown Ottawa, 87/100); Matt Richling (Real Estate Broker, Downtown Ottawa, 84/100, confirmed by the professional); Ross Taylor (Mortgage Broker, Kanata–Stittsville, 82/100, confirmed by the professional); Jacques Robert (Real Estate Lawyer, Kanata–Stittsville, 81/100); Chris McArthur (Home Inspector, Glebe–Old Ottawa South, 80/100); Diane Allingham & Jennifer Stewart (Real Estate Broker, Glebe–Old Ottawa South, 78/100); Wieland & Associates Inc (Appraiser, Westboro–Hintonburg, 78/100); David Leith (Real Estate Lawyer, Westboro–Hintonburg, 77/100)
- **Edmonton**: Brad Daviss, P.App, AACI — Frost & Associates Realty Services Inc. (Edmonton) (Appraiser, South Edmonton, 97/100); Brad Daviss, P.App, AACI — Frost & Associates (Edmonton; areas served include St. Albert) (Appraiser, St. Albert Area, 97/100); Terry Paranych Real Estate Group (Real Estate Broker, West Edmonton, 96/100); Erin Willman (Real Estate Broker, St. Albert Area, 94/100); Flare Mortgage Group — Crystal Mamchur (Mortgage Broker, Northeast Edmonton, 92/100); Norm Cholak (Real Estate Broker, South Edmonton, 91/100); Collin Bruce Mortgage Team (Mortgage Broker, South Edmonton, 90/100); Wally Fakhreddine (Real Estate Broker, Southeast Edmonton, 90/100); Alberta Property Inspection Ltd (API) (Home Inspector, West Edmonton, 89/100); Alberta Property Inspection Ltd. — Chris Bottriell (Home Inspector, Southeast Edmonton, 88/100); Cartwright Appraisals (Appraiser, Downtown Edmonton, 86/100); Tara Borle (Mortgage Broker, St. Albert Area, 85/100); ETown Mortgage — Connie Graham & Briana Hennigan (Mortgage Broker, North Edmonton, 84/100); Access Home Inspection Services Inc. (Home Inspector, South Edmonton, 83/100); True North Mortgage (Edmonton City Centre) (Mortgage Broker, Downtown Edmonton, 83/100); Gurpreet Ghatehora (Real Estate Broker, North Edmonton, 83/100); Collin Bruce Mortgage Team (Mortgage Broker, Southeast Edmonton, 82/100); Andrew F. Cao (Real Estate Lawyer, South Edmonton, 82/100); Alison Murray (Real Estate Broker, Downtown Edmonton, 79/100); Richards + Company — Darren Richards (Real Estate Lawyer, Downtown Edmonton, 79/100); North 49 Home Inspections (Home Inspector, Northeast Edmonton, 78/100); Jason Tse, B.A., CRA, P.App — One Step Appraisals (Edmonton) (Appraiser, North Edmonton, 74/100); Calvin Hexter (Real Estate Broker, Northeast Edmonton, 74/100); Jiabai Li, MSc., AACI, P.App — One Step Appraisals (Edmonton) (Appraiser, Northeast Edmonton, 73/100); Inspection Works (Home Inspector, North Edmonton, 73/100); Brokers For Life Inc. (Mortgage Broker, West Edmonton, 73/100); Jonathan Healey — Healey Law (Real Estate Lawyer, West Edmonton, 73/100); Puneet Bhardwaj / Claire Spicer (Real Estate Lawyer, North Edmonton, 71/100); Michael Lazaruk — Lazaruk Law (Real Estate Lawyer, Southeast Edmonton, 71/100)
- **Winnipeg**: Canadian Residential Inspection Services Winnipeg (Home Inspector, Downtown Winnipeg, 88/100); Cory Jacques — AmeriSpec Winnipeg (Home Inspector, St. Vital–St. Boniface, 86/100); One Link Mortgage & Financial (Mortgage Broker, West Winnipeg, 86/100); Nicole Hacault — Royal LePage Top Producers (Real Estate Broker, River Heights–Osborne Village, 86/100); Ed Dale Team (Real Estate Broker, St. Vital–St. Boniface, 80/100); Castle Mortgage Group (Mortgage Broker, River Heights–Osborne Village, 79/100); J.R. Norman Boudreau (Real Estate Lawyer, Downtown Winnipeg, 79/100); Kenneth G. Davie (Real Estate Lawyer, River Heights–Osborne Village, 79/100); Philippe Richer (Real Estate Lawyer, St. Vital–St. Boniface, 79/100); Robert (Bob) Arthur (Real Estate Lawyer, West Winnipeg, 79/100); Ian Toogood, CRA, P.App. — MacKenzie & Associates (Appraiser, West Winnipeg, 77/100); The Spooner Group (Tracy Spooner) (Mortgage Broker, St. Vital–St. Boniface, 76/100); Goodfellow Realty (Tom Goodfellow) (Real Estate Broker, Downtown Winnipeg, 76/100); Justin Pokrant (Real Estate Broker, West Winnipeg, 76/100); Geoffrey Toews (Hook & Smith) (Real Estate Lawyer, North Winnipeg, 74/100); The McCreedy Knox Team — Royal LePage Prime (Real Estate Broker, Transcona–East Winnipeg, 74/100); Deana Halladay, P.App., CRA — Halladay Appraisal Services (Appraiser, St. Vital–St. Boniface, 70/100); Chris Lange — Lange Law (Real Estate Lawyer, Transcona–East Winnipeg, 70/100)
- **Mississauga**: Vahn Balabanian (Home Inspector, City Centre, 98/100, confirmed by the professional); Magnified Home Inspections Ltd (Joe Roberto, CMI, RHI) (Home Inspector, Cooksville–Central Mississauga, 98/100); Asif Shahzad (CENTURY 21 Green Realty Inc., Brokerage) (Real Estate Broker, Cooksville–Central Mississauga, 96/100); Joe Purewal (Mortgage Broker, City Centre, 96/100); Ross Taylor (Mortgage Broker, Port Credit–Lakeshore, 96/100, confirmed by the professional); Sam McDadi (Real Estate Broker, City Centre, 95/100); Canadian Mortgage Services (CMS) (Mortgage Broker, Malton–Airport Area, 94/100); Cynthia Ostos (Real Estate Broker, Streetsville–West Mississauga, 92/100); AKAL Mortgages Inc. (Mortgage Broker, Cooksville–Central Mississauga, 92/100); Vikas Madaan (Real Estate Lawyer, Malton–Airport Area, 92/100); Joe Battaglia (Real Estate Broker, Port Credit–Lakeshore, 91/100, confirmed by the professional); Day+Borg LLP (Real Estate Lawyer, Streetsville–West Mississauga, 88/100); Vinod Bansal (Real Estate Broker, Malton–Airport Area, 85/100); Clearview Home & Property Inspections (Home Inspector, Malton–Airport Area, 84/100); Ajit Dudani — Essential Home Inspections (Home Inspector, Streetsville–West Mississauga, 81/100); Clover Mortgage (Steven Tulman, Principal Broker) (Mortgage Broker, Streetsville–West Mississauga, 81/100); Aaron Lewicki (Real Estate Lawyer, Port Credit–Lakeshore, 80/100); Mushtaq Khan (Appraiser, City Centre, 78/100, confirmed by the professional); Michael Tita — Lighthouse Inspections (Mississauga East & Brampton) (Home Inspector, Port Credit–Lakeshore, 78/100); Accurate (Peel) Appraisals Inc. (Thomas Bremner, CRA) (Appraiser, Malton–Airport Area, 76/100); Jeff Mudrick — Mudrick Mortgages (BRX Mortgage Inc.) (Mortgage Broker, Meadowvale–North Mississauga, 74/100); Titleus Law Group LLP (Real Estate Lawyer, Meadowvale–North Mississauga, 74/100); Parveen Vij, AACI, P.App — PV Realty Advisors (Appraiser, Port Credit–Lakeshore, 70/100); Apex Appraisal Inc. (Sean Smith, P.App, CRA) (Appraiser, Meadowvale–North Mississauga, 70/100); Frank Vrdoljak (Appraiser, Cooksville–Central Mississauga, 70/100); Sunny Purewal (RE/MAX Realty Services Inc., Brokerage) (Real Estate Broker, Meadowvale–North Mississauga, 70/100); Ancoe Property Inspections (Antonio "Tony" Coelho) (Home Inspector, Meadowvale–North Mississauga, 70/100); Bill Denstedt (Real Estate Lawyer, City Centre, 70/100)
- **Vancouver**: Leo Wilk (Real Estate Broker, Dunbar–Shaughnessy, 93/100); Michael Zegarra (Home Inspector, East Vancouver, 90/100); David Fairbairn (Home Inspector, Burnaby, 90/100); Jeremy Bohbot (Real Estate Lawyer, Kitsilano–Point Grey, 88/100, confirmed by the professional); Ron Parpara (Real Estate Broker, Downtown–West End, 88/100); Zaheed Valli-Hasham (Mortgage Broker, Downtown–West End, 87/100); Ryan Walton (Home Inspector, North Vancouver, 86/100, confirmed by the professional); McKay Wood (Mortgage Broker, North Vancouver, 86/100); Lawrenson Walker Appraisers Ltd. (Appraiser, Mount Pleasant–Fraser, 85/100); Winston Victor Barta (Real Estate Lawyer, East Vancouver, 85/100); Bahar Mashreghi (Real Estate Lawyer, Dunbar–Shaughnessy, 85/100); Aedis Appraisals (Appraiser, Dunbar–Shaughnessy, 84/100); Carol A. Lee (Real Estate Lawyer, South Vancouver, 83/100); Andrew & Jill Hasman (Real Estate Broker, Kitsilano–Point Grey, 83/100); Greyden Douglas (Real Estate Broker, South Vancouver, 83/100); West Haven Group (Real Estate Broker, Mount Pleasant–Fraser, 83/100); Geoff Jarman (Real Estate Broker, Burnaby, 83/100); Nick Shlyakhov (Mortgage Broker, Burnaby, 81/100); Eleanor Chung (Real Estate Lawyer, Burnaby, 79/100); Geoff Lee (Mortgage Broker, East Vancouver, 78/100); Khushhal Bains (Real Estate Lawyer, Downtown–West End, 78/100); Eitan Pinsky (Mortgage Broker, Kitsilano–Point Grey, 77/100); Ben D'Ovidio (Real Estate Broker, East Vancouver, 77/100); Shawn Anderson (Home Inspector, Downtown–West End, 76/100); Peter Jesal (Home Inspector, Kitsilano–Point Grey, 76/100); Aaron Borsch (Home Inspector, South Vancouver, 76/100); Rick Richardson (Home Inspector, Mount Pleasant–Fraser, 76/100); Cindy Silver (Real Estate Lawyer, North Vancouver, 72/100); Kirk Bryan (Mortgage Broker, South Vancouver, 70/100); Jim Pilkington (Real Estate Broker, North Vancouver, 70/100)
- **Brampton**: Canadian Mortgage Services (Mortgage Broker, Brampton South, 99/100); Vahn Balabanian (Home Inspector, Downtown Brampton, 92/100, confirmed by the professional); Alan Carson — Carson Dunlop (RHI) (NOTE: siège Toronto) (Home Inspector, Brampton North, 90/100); Ontario Inspections Inc. (Sam) (Home Inspector, Brampton South, 87/100); Thapliyal & Rai Law Firm (Real Estate Lawyer, Brampton East, 85/100); German Sandhu (Real Estate Broker, Brampton North, 85/100); Sunny Purewal (Real Estate Broker, Brampton West, 85/100); Rakhi Madan (Mortgage Broker, Downtown Brampton, 85/100); Rodney Schunker (Mortgage Broker, Brampton North, 82/100); Avon Financial (Harpreet) (Mortgage Broker, Brampton West, 81/100); Aviron Law Professional Corporation (Real Estate Lawyer, Brampton South, 80/100); Sunny Gawri (Real Estate Broker, Brampton East, 77/100); Mushtaq Khan (Appraiser, Brampton North, 76/100, confirmed by the professional); Mushtaq Khan (Appraiser, Brampton South, 76/100, confirmed by the professional); Mushtaq Khan (Appraiser, Brampton West, 76/100, confirmed by the professional); Mushtaq Khan (Appraiser, Downtown Brampton, 76/100, confirmed by the professional); Kunal Kapoor (Real Estate Lawyer, Brampton West, 74/100); Heer Legal (Manjot Heer) (Real Estate Lawyer, Downtown Brampton, 74/100); Gurjiwan Brar (et équipe) (Real Estate Lawyer, Brampton North, 72/100); Thomas Bremner, CRA — Accurate (Peel) Appraisals Inc. (CANDIDAT) (Appraiser, Brampton East, 71/100)
- **Hamilton**: The Golfi Team (Rob Golfi) (Real Estate Broker, East Hamilton, 99/100); Pat Del Sordo, AACI, P.App. (Appraiser, East Hamilton, 96/100, confirmed by the professional); Thomas E. Lazier (Ross & McBride LLP) (Real Estate Lawyer, Downtown Hamilton, 89/100); Hometown Law (Real Estate Lawyer, West Hamilton, 89/100); Pat Del Sordo, AACI, P.App. (Appraiser, Downtown Hamilton, 88/100, confirmed by the professional); Synergy Mortgage Group (Greg Cocks) (Mortgage Broker, Downtown Hamilton, 88/100); Pat Del Sordo, AACI, P.App. (Appraiser, West Hamilton, 88/100, confirmed by the professional); The O'Reilly Group (Luke O'Reilly) (Real Estate Broker, Ancaster–Dundas, 86/100); Bold Mortgage Group — Mortgage Financial Corporation Lic. #10421 (Mortgage Broker, East Hamilton, 83/100); Fair Mortgage Solutions (Graeme) (Mortgage Broker, Hamilton Mountain, 83/100); Kathy Della-Nebbia (Real Estate Broker, Hamilton Mountain, 81/100); Peter J. Dudzic Law Office (Real Estate Lawyer, Hamilton Mountain, 81/100); Mark Woehrle (Real Estate Broker, Downtown Hamilton, 80/100); Marek Danielewski (Home Inspector, Hamilton Mountain, 80/100, confirmed by the professional); The Home Inspector Inc. (Home Inspector, West Hamilton, 78/100); Bill Papaioannou (Real Estate Broker, West Hamilton, 78/100); Rankin Home Inspection (Home Inspector, Ancaster–Dundas, 77/100); Mandani Law (Real Estate Lawyer, Ancaster–Dundas, 77/100); Verico - Best Mortgage Loans Inc. (Mortgage Broker, West Hamilton, 77/100); Gibbs Appraisal Services (Appraiser, Hamilton Mountain, 74/100); RealWorth Appraisals (Appraiser, Ancaster–Dundas, 73/100)
- **Surrey**: Northwood Home Inspections (Home Inspector, Guildford–Fleetwood, 91/100); Northwood Home Inspections (Home Inspector, Surrey City Centre, 91/100); Arch Home Inspections (Home Inspector, Newton, 90/100); Hamish Ross (Real Estate Broker, South Surrey–White Rock, 86/100); I Find It Inspections Inc (Home Inspector, Cloverdale, 85/100); Merchant Law Group LLP (Real Estate Lawyer, Surrey City Centre, 84/100); Ingram Mortgage Team (Mortgage Broker, Cloverdale, 82/100); Goldy Kang Real Estate Group (Real Estate Broker, Newton, 82/100); CANPRO Home Inspections (Home Inspector, Whalley–Fraser Heights, 82/100); Open Doors Mortgage Team (Mortgage Broker, Whalley–Fraser Heights, 81/100); Stinger Home Inspections (Home Inspector, South Surrey–White Rock, 80/100); Krische, Fedewich & Witt Notaries (Real Estate Lawyer, Cloverdale, 79/100); Blue Pearl Mortgage Group Inc. (Mortgage Broker, Guildford–Fleetwood, 79/100); Tara Morrow & Wes Hansen (Real Estate Broker, Cloverdale, 78/100); Tom (Thomas) McConnell (Real Estate Broker, Whalley–Fraser Heights, 78/100); Collingwood Appraisals Ltd. (Appraiser, Surrey City Centre, 74/100); Ameera Shums Notary Corporation (Real Estate Lawyer, Newton, 71/100); Cube Law Corporation (Real Estate Lawyer, South Surrey–White Rock, 71/100)
- **Richmond**: Austin Kay (Real Estate Broker, Richmond, 88/100); Kelly Hudson (Mortgage Broker, Richmond, 72/100, confirmed by the professional)
- **Abbotsford**: Sat Swaich (Real Estate Broker, Abbotsford, 82/100); Alex Kotai (Mortgage Broker, Abbotsford, 82/100); Daniel Fedosenko (Home Inspector, Abbotsford, 76/100)
- **Coquitlam**: Krista Lapp (Real Estate Broker, Coquitlam, 87/100); Trish Pigott (Mortgage Broker, Coquitlam, 82/100); Shaghayegh Vafaei (Real Estate Lawyer, Coquitlam, 76/100); Michael Juri (Home Inspector, Coquitlam, 72/100)
- **Kelowna**: Adrian Joseph (AJ) Hazzi (Real Estate Broker, Kelowna, 91/100); Valentino Luigi Domenic (Lennie) Rampone (Mortgage Broker, Kelowna, 82/100); Erich Kamprath (Home Inspector, Kelowna, 75/100); Allan Beatty, AACI (Appraiser, Kelowna, 72/100); Surej (Suraj) Dhillon (Real Estate Lawyer, Kelowna, 71/100)
- **Quebec City**: Marie Pronovost (Mortgage Broker, Upper Town–Montcalm, 95/100, confirmed by the professional); Étienne Gilbert (Mortgage Broker, Old Québec, 91/100, confirmed by the professional); Catherine Labrecque (Real Estate Broker, Charlesbourg–Beauport, 86/100); Jacinthe Pelletier (Real Estate Broker, Lévis, 86/100); Mathieu Jacob (Home Inspector, Charlesbourg–Beauport, 86/100, confirmed by the professional); Me Benoit Dancause (Real Estate Lawyer, Saint-Sauveur–Limoilou, 85/100); Laurence Bédard (Real Estate Broker, Saint-Sauveur–Limoilou, 82/100); Stéphane Ritchot (Real Estate Broker, Upper Town–Montcalm, 82/100); Valérie Grenier (Mortgage Broker, Saint-Sauveur–Limoilou, 82/100, confirmed by the professional); François Nadaud (Mortgage Broker, Lévis, 82/100, confirmed by the professional); Aubin & Desbiens Notaires (Real Estate Lawyer, Upper Town–Montcalm, 82/100); Meggy Rousseau (Real Estate Broker, Sainte-Foy–Sillery, 81/100); Me Pierre Samson (Real Estate Lawyer, Lévis, 81/100); Jean Corriveau (Mortgage Broker, Charlesbourg–Beauport, 80/100); Samuel Labrecque (Real Estate Broker, Old Québec, 78/100); Sébastien Boudreau (Home Inspector, Old Québec, 76/100, confirmed by the professional); Ronald Morin (Home Inspector, Sainte-Foy–Sillery, 76/100); Mickaël Pellerin (Home Inspector, Lévis, 76/100, confirmed by the professional); Vincent Gervais-Moreau (Appraiser, Sainte-Foy–Sillery, 76/100); Me Marie-Noelle Villemaire (Real Estate Lawyer, Old Québec, 74/100); Me Pascal Hachey (Real Estate Lawyer, Charlesbourg–Beauport, 74/100); Louis-Philippe Munoz (Appraiser, Charlesbourg–Beauport, 73/100, confirmed by the professional); Jean François Boucher (Mortgage Broker, Sainte-Foy–Sillery, 72/100); Me Jean-Philippe Aubin (Real Estate Lawyer, Sainte-Foy–Sillery, 72/100)
- **Halifax**: Halifax Home Inspection (Home Inspector, South End–Armdale, 89/100); Clinton Wilkins Mortgage Team (Mortgage Broker, Dartmouth–Bedford, 87/100); Jack Cameron (Mortgage Broker, North End–Fairview, 85/100); Danielle MacLean (Real Estate Lawyer, Dartmouth–Bedford, 85/100); Mark Charles (Real Estate Lawyer, South End–Armdale, 84/100); Sandra Pike (Real Estate Broker, Downtown Halifax, 82/100); Sandra Pike (Diane Allingham n/a) — The Pike Group (Real Estate Broker, North End–Fairview, 82/100); AKME Appraisals, Inc (Appraiser, North End–Fairview, 80/100); Robert Scanlan (Real Estate Broker, Dartmouth–Bedford, 79/100); Michael (Mick) Levin (Real Estate Lawyer, North End–Fairview, 74/100, confirmed by the professional); Alex Lavender (Mortgage Broker, Downtown Halifax, 72/100); Darren Smith (Home Inspector, North End–Fairview, 70/100)
- **Laval**: Ryan La Haye (Mortgage Broker, Laval, 91/100, confirmed by the professional); Gabriel Laflamme (Real Estate Broker, Laval, 83/100); Éric Girard (Home Inspector, Laval, 82/100)
- **Gatineau**: Martin Vallée (Mortgage Broker, Gatineau, 83/100); Stéphane Bisson (Real Estate Broker, Gatineau, 81/100); DEFSCO Inspection (Home Inspector, Gatineau, 79/100, confirmed by the professional); Me France Gagnon, notaire (Real Estate Lawyer, Gatineau, 70/100)
- **Longueuil**: Louis Noël, inspecteur en bâtiment (Home Inspector, Longueuil, 92/100); Pierre-Yves Cloutier (Real Estate Broker, Longueuil, 76/100, confirmed by the professional); Samuel Meloche (Mortgage Broker, Longueuil, 76/100)
- **Sherbrooke**: Sébastien Labrie (Real Estate Broker, Sherbrooke, 80/100); Me Nathalie Lambert, notaire (Real Estate Lawyer, Sherbrooke, 79/100); Inspection de bâtiment Lemieux (Home Inspector, Sherbrooke, 77/100)
- **Trois-Rivières**: Rémy Martel Inspecteur inc. (Home Inspector, Trois-Rivières, 81/100); Martin Filion (Proprio Direct) (Real Estate Broker, Trois-Rivières, 79/100, confirmed by the professional); Me Julien Guinard-Fréchette, notaire (Real Estate Lawyer, Trois-Rivières, 74/100)
- **Saskatoon**: Riel Syrenne (Mortgage Broker, Saskatoon, 95/100, confirmed by the professional); Derek Winik (Home Inspector, Saskatoon, 87/100); Michelle Butler (Real Estate Broker, Saskatoon, 86/100); Tara D. Chornoby (Real Estate Lawyer, Saskatoon, 79/100)
- **Regina**: Skott Enns (Mortgage Broker, Regina, 85/100); Sean (Sagar) Kundra (Real Estate Broker, Regina, 80/100); Alina Marga (Real Estate Lawyer, Regina, 73/100); Blaise Clements, AACI, P.App. (Appraiser, Regina, 70/100)
- **Prince Albert**: Nicole A. Sawchuk (Real Estate Lawyer, Prince Albert, 78/100); Maria Titarenko (Mortgage Broker, Prince Albert, 75/100)
- **Moose Jaw**: Joel Toupin (Home Inspector, Moose Jaw, 87/100); Justin Hammer (Real Estate Broker, Moose Jaw, 74/100)
- **Swift Current**: Carla Carlson (Real Estate Lawyer, Swift Current, 75/100)
- **Moncton**: Jason Blaquiere (Home Inspector, Moncton, 87/100); Stephane G. Brun, P.C. (Real Estate Lawyer, Moncton, 77/100); Dennis Wilson (Real Estate Broker, Moncton, 74/100); Michel H. Babineau, CRA (Appraiser, Moncton, 70/100)
- **Saint John**: Seamus Cox (Real Estate Lawyer, Saint John, 78/100, confirmed by the professional); Li Song (Real Estate Broker, Saint John, 76/100); Cindy MacFarland (Mortgage Broker, Saint John, 76/100)
- **Fredericton**: Kevin Hollohan (Real Estate Broker, Fredericton, 81/100); Drew L. Simpson (Real Estate Lawyer, Fredericton, 79/100); Mike Strong (Home Inspector, Fredericton, 72/100)
- **Markham**: Twin Peaks Property Inspections (Home Inspector, Markham, 85/100); Kirby Chan (Real Estate Broker, Markham, 84/100); George Vukelich (Real Estate Lawyer, Markham, 79/100); Donovan Walker (Mortgage Broker, Markham, 77/100); Samier Patel, CRA (Appraiser, Markham, 76/100)
- **Vaughan**: Vadim Vilensky (Real Estate Broker, Vaughan, 85/100); M. Alessandra B. Ocampo (Real Estate Lawyer, Vaughan, 83/100); Surrayya Afzal (Mortgage Broker, Vaughan, 82/100); Mushtaq Khan (Appraiser, Vaughan, 76/100, confirmed by the professional); The Martiniuk Team — Pillar To Post (Home Inspector, Vaughan, 73/100)
- **London**: Aaron Lee (Home Inspector, London, 86/100); Colin Dambrauskas (Mortgage Broker, London, 85/100); David Amin (Real Estate Lawyer, London, 80/100); Michael Glasser (Real Estate Broker, London, 77/100); Metrix Realty Group (Appraiser, London, 73/100)
- **Kitchener**: Anurag Sharma (Real Estate Broker, Kitchener, 94/100); Janna Dawdy (Mortgage Broker, Kitchener, 94/100); Victor Hussein (Real Estate Lawyer, Kitchener, 91/100); Chad Hussey (Home Inspector, Kitchener, 84/100)
- **Windsor**: Goran Todorovic (Real Estate Broker, Windsor, 94/100); Brad Labute (Home Inspector, Windsor, 86/100); Michael A. Wills (Real Estate Lawyer, Windsor, 85/100); Darrin Roseborsky (Mortgage Broker, Windsor, 75/100)
- **Red Deer**: Garret Cook (Real Estate Broker, Red Deer, 93/100); Christopher Stephan (Real Estate Lawyer, Red Deer, 91/100); Jean-Guy Turcotte (Mortgage Broker, Red Deer, 89/100); Ryan Ervin (Home Inspector, Red Deer, 84/100); David Horn (Appraiser, Red Deer, 74/100)
- **Lethbridge**: Chris Marriner (Mortgage Broker, Lethbridge, 92/100); Mike Hemmerling (Home Inspector, Lethbridge, 92/100); Courtney Atkinson (Real Estate Broker, Lethbridge, 86/100); Devin Wallace (Real Estate Lawyer, Lethbridge, 82/100); James H. Schoenne (Appraiser, Lethbridge, 79/100)
- **Fort McMurray**: Eddie Dicks (Home Inspector, Fort McMurray, 87/100); Kerry Allenby (Real Estate Lawyer, Fort McMurray, 82/100)
- **Airdrie**: Patricia McKean (Mortgage Broker, Airdrie, 88/100); Adam Boccinfuso (Home Inspector, Airdrie, 88/100); Richard Horne (Real Estate Lawyer, Airdrie, 82/100); Sanjit Singh (Appraiser, Airdrie, 79/100)
- **Grande Prairie**: Gert Martens (Mortgage Broker, Grande Prairie, 89/100); Jason Forbes (Real Estate Lawyer, Grande Prairie, 89/100); Mike Cooke (Home Inspector, Grande Prairie, 85/100); Brent North (Real Estate Broker, Grande Prairie, 81/100)
- **Medicine Hat**: Elizabeth McNally (Real Estate Broker, Medicine Hat, 91/100); Kristi Sauter (Mortgage Broker, Medicine Hat, 87/100); Wade Ellis (Home Inspector, Medicine Hat, 80/100); William L. Haynes (Real Estate Lawyer, Medicine Hat, 77/100)
- **Blainville**: Michel Salomon (Real Estate Broker, Blainville, 81/100); André Lessard (Home Inspector, Blainville, 78/100, confirmed by the professional); Martin Lévesque (Appraiser, Blainville, 77/100)
- **Saint-Eustache**: Eryck Véziau (Real Estate Broker, Saint-Eustache, 90/100, confirmed by the professional); Kevin Mercurio (Home Inspector, Saint-Eustache, 79/100); Réjean Lavallée (Appraiser, Saint-Eustache, 77/100, confirmed by the professional); Veruska Hart (Mortgage Broker, Saint-Eustache, 75/100); Me Andra Zaharia (Real Estate Lawyer, Saint-Eustache, 73/100)
- **Boucherville**: Marc-André Bourdon (Real Estate Broker, Boucherville, 90/100); Yannick Brochu (Home Inspector, Boucherville, 83/100); Marjorie Banville (Mortgage Broker, Boucherville, 80/100)
- **Sainte-Julie**: Vincent Roy (Mortgage Broker, Sainte-Julie, 86/100, confirmed by the professional); Me Isabelle Lemieux (Real Estate Lawyer, Sainte-Julie, 75/100); Patrick Bergeron (Home Inspector, Sainte-Julie, 74/100)
- **Drummondville**: Geneviève Duval (Real Estate Broker, Drummondville, 79/100); Caroline Lemire (Mortgage Broker, Drummondville, 78/100); Me Stéphane Beaulieu (Real Estate Lawyer, Drummondville, 76/100)
- **Rimouski**: Me Rénald Doucet (Real Estate Lawyer, Rimouski, 70/100)
- **Saint-Jérôme**: Francis Lamontagne (Mortgage Broker, Saint-Jérôme, 86/100); Éric Martin (Home Inspector, Saint-Jérôme, 83/100); Pierre-Alexandre Coutu-Geoffroy (Appraiser, Saint-Jérôme, 70/100, confirmed by the professional)
- **Saint-Jean-sur-Richelieu**: Priscilla Ménard (Real Estate Broker, Saint-Jean-sur-Richelieu, 82/100)
- **Saguenay**: Alexandra Savard-Pedneault (Real Estate Lawyer, Saguenay, 75/100); Cédric Monlouvier (Home Inspector, Saguenay, 74/100, confirmed by the professional)
- **Rouyn-Noranda**: Steeve Morin (Home Inspector, Rouyn-Noranda, 80/100)
- **Gaspé**: Alex Marcoux (Appraiser, Gaspé, 70/100, confirmed by the professional)
- **Baie-Comeau**: Manon Desmeules (Real Estate Broker, Baie-Comeau, 71/100)
- **Sept-Îles**: Nancy Allard (Real Estate Broker, Sept-Îles, 77/100)
- **Oakville**: Neil Drepaul (Mortgage Broker, Oakville, 93/100)
- **Richmond Hill**: Zinati Kay (Real Estate Lawyer, Richmond Hill, 88/100)
- **Burlington**: Estofa Law (Real Estate Lawyer, Burlington, 79/100, confirmed by the professional)
- **Greater Sudbury**: Rico Johnston (Mortgage Broker, Greater Sudbury, 92/100); Jacob Gauthier (Real Estate Lawyer, Greater Sudbury, 85/100); Calvin Colard (Appraiser, Greater Sudbury, 83/100)
- **Thunder Bay**: Rene Larson (Real Estate Lawyer, Thunder Bay, 93/100)
- **Prince George**: Tim Higham (Real Estate Broker, Prince George, 87/100); Jamie Cunningham (Mortgage Broker, Prince George, 83/100); Alexandros Constandinou (Appraiser, Prince George, 74/100, confirmed by the professional)
- **Kamloops**: Lisa Denham (Real Estate Lawyer, Kamloops, 85/100)
- **Nanaimo**: Nolan Smith (Mortgage Broker, Nanaimo, 89/100); Steele Althouse (Real Estate Lawyer, Nanaimo, 75/100)
- **Victoria**: Ron Neal (Real Estate Broker, Victoria, 98/100); David Steinberg (Mortgage Broker, Victoria, 92/100, confirmed by the professional); Beverly Carter (Real Estate Lawyer, Victoria, 89/100)
- **Charlottetown**: Barb Stevenson, K.C. (Real Estate Lawyer, Charlottetown, 81/100); Christine Milley (Mortgage Broker, Charlottetown, 70/100)
- **Terrebonne**: Me Isabelle Couturier (Real Estate Lawyer, Terrebonne, 74/100); Adam Corbin (Mortgage Broker, Terrebonne, 71/100, confirmed by the professional)
- **Brossard**: Rachel Hébert Leblanc (Appraiser, Brossard, 78/100)
- **Repentigny**: Jonathan Malette (Home Inspector, Repentigny, 85/100, confirmed by the professional)
- **Granby**: Sylvie Marquis (Mortgage Broker, Granby, 74/100)
- **Barrie**: Joseph R. Danford (Appraiser, Barrie, 97/100, confirmed by the professional)
- **Guelph**: Andra Arnold (Real Estate Broker, Guelph, 88/100, confirmed by the professional); Katrina Baker (Appraiser, Guelph, 81/100)
- **Kingston**: Michael Cotman (Appraiser, Kingston, 74/100)

## Sitemap & data freshness
- Full sitemap: https://payotte.com/sitemap.xml
- Market figures: CREA, April 2026 — refreshed quarterly (CREA reports for Jan/Apr/Jul/Oct). Mortgage rates: 10-lender average, June 2026. Rents: CMHC, October 2025.