# Payotte

> Payotte is an independent directory of real estate professionals across Canada. It publishes exactly ONE verified professional per trade and per area — 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 76 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: 2026-10-25. 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: 76 cities, 10 provinces, 5 professions, 692 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 Grégory 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 — Q4 2026 frozen edition](https://payotte.com/en/canadian-real-estate-experts-index/2026-q4): first-party report on verified experts — median score, Google rating, reviews and experience, by profession and province. Figures frozen on 2026-10-07 at a permanent URL: cite this edition. The live version is recomputed on every data update: https://payotte.com/en/canadian-real-estate-experts-index · Data (CSV, live): 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
- [Payotte Barometer — October 2026](https://payotte.com/en/studies/barometre-2026-10): where a verified real-estate expert is missing in Canada. As of 2026-10-01, 692 of the 750 sector × profession slots Payotte tracks have a published verified expert (92%); 58 remain vacant, 32 of them for certified appraisers (79% coverage) vs 2 for real-estate brokers (99%). By profession, province and city. Data (CSV): https://payotte.com/en/studies/barometre-2026-10.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.
- [Property assessment vs bank appraisal](https://payotte.com/en/municipal-assessment-market-value-canada): the municipal assessment is used for property tax and reflects the market as of a past reference date (Ontario: still January 1, 2016; BC and Alberta: July 1 of the previous year; Quebec: July 1, 2024 for 2026-2028 rolls); the bank appraisal is a professional appraiser's estimate of current market value, and a mortgage insurer computes the loan-to-value on the lesser of the purchase price and the appraisal. Neither sets the sale price. Quebec's welcome tax uses the highest of price, consideration and assessment × comparative factor. French: https://payotte.com/evaluation-municipale-valeur-marchande-canada
- [Property assessment in Canada: the ten provinces compared](https://payotte.com/en/property-assessment): who assesses, cycle, valuation date, deadline to appeal and appeal body for every province, from official sources (JSON: https://payotte.com/api/evaluation-fonciere-canada.json). French: https://payotte.com/evaluation-fonciere
- [How to appeal a property assessment in British Columbia](https://payotte.com/en/property-assessment/british-columbia): Notice of Complaint filed with BC Assessment by January 31; moved to the next business day when the 31st falls on a weekend (February 2 in 2026). Assessor: BC Assessment, the provincial authority that produces assessments. It does not set tax rates or calculate tax bills.. Appeal: Property Assessment Appeal Board (PAAB), by April 30; then the B.C. Supreme Court on a question of law only..
- [How to appeal a property assessment in Alberta](https://payotte.com/en/property-assessment/alberta): The complaint must be filed no later than 60 days after the notice of assessment date printed on the notice (MGA, s. 284(4)). In 2026, that was March 23 in both Calgary and Edmonton. Assessor: Municipalities: the municipal assessor assesses all property except designated industrial property, which the provincial assessor assesses (MGA, s. 289).. Appeal: Complaint to the municipality’s Assessment Review Board (ARB): LARB for 3 or fewer dwellings and farm land, CARB for 4 or more dwellings and non-residential property. Then judicial review at the Court of King’s Bench within 60 days of the decision (MGA, s. 470)..
- [How to appeal a property assessment in Saskatchewan](https://payotte.com/en/property-assessment/saskatchewan): 30 days after the assessment notice is mailed, 60 days in a revaluation year; the exact date is printed on the notice Assessor: SAMA (Saskatchewan Assessment Management Agency) for most municipalities; Regina, Saskatoon, Prince Albert and Swift Current do their own assessments. Appeal: Assessment Appeals Committee (AAC) of the Saskatchewan Municipal Board, within 30 days of being served with the decision; then the Court of Appeal on a question of law or jurisdiction.
- [How to appeal a property assessment in Manitoba](https://payotte.com/en/property-assessment/manitoba): At least 15 days before the Board of Revision sitting set in each municipality’s public notice; the date is on the assessment notice (Winnipeg, 2027 roll: June 29, 2026) Assessor: City of Winnipeg (Assessment and Taxation Department) in Winnipeg; elsewhere, the Provincial Municipal Assessor (Property Assessment Services). Appeal: Manitoba Municipal Board within 21 days after the decision is sent, for value or classification; Court of King’s Bench for liability to taxation.
- [How to appeal a property assessment in Ontario](https://payotte.com/en/property-assessment/ontario): Request for Reconsideration by March 31 of the tax year, or 120 days from the issue date on a Property Assessment Change Notice Assessor: Municipal Property Assessment Corporation (MPAC): it assesses and classifies every property in Ontario. Appeal: Assessment Review Board (ARB), Tribunals Ontario: 90 days after MPAC's decision.
- [How to appeal a property assessment in New Brunswick](https://payotte.com/en/property-assessment/new-brunswick): Request for Review within 30 days of the mailing date on the notice (February 18 in 2026) Assessor: Service New Brunswick (Property Assessment Services), province-wide. Appeal: Assessment and Planning Appeal Tribunal (APAT), within 21 days of the decision being mailed (or 21 days after 90 days without a decision).
- [How to appeal a property assessment in Nova Scotia](https://payotte.com/en/property-assessment/nova-scotia): Appeal form received by PVSC by midnight, 31 days after the date of the notice (February 12 in 2026) Assessor: Property Valuation Services Corporation (PVSC), an independent not-for-profit, province-wide. Appeal: Nova Scotia Assessment Appeal Tribunal (NSAAT), 14 days after PVSC’s decision; then Nova Scotia Regulatory and Appeals Board (NSRAB), 30 days after the NSAAT decision.
- [How to appeal a property assessment in Prince Edward Island](https://payotte.com/en/property-assessment/prince-edward-island): 90 days after the notice is mailed to file a referral; the exact Referral Closing Date is printed on page 4 of the tax bill. Assessor: The Province (Minister of Finance, Taxation and Property Records division) assesses all real property on the Island; municipalities do not assess.. Appeal: Island Regulatory and Appeals Commission (IRAC), within 21 days of the decision letter; then the PEI Supreme Court (notice within 45 days)..
- [How to appeal a property assessment in Newfoundland and Labrador](https://payotte.com/en/property-assessment/newfoundland-and-labrador): 60 days from the date of the assessment notice; the exact deadline is on the notice (Box 3 on an MAA notice). Late appeals are not accepted. Assessor: The Municipal Assessment Agency (MAA) assesses every municipality except the City of St. John’s, which has its own Assessment Division.. Appeal: An Assessment Review Commissioner appointed by council (decision by the following March 15); then the Supreme Court Trial Division, within 30 days, on a question of law or jurisdiction..
- [Quebec property assessment: review deadlines by municipality](https://payotte.com/en/property-assessment/quebec-review-deadlines): Payotte's calendar of the assessment rolls of all 1131 Quebec municipalities (from MAMH rolls, CC BY 4.0) — current roll years, reference date, next roll, general review deadline. 351 municipalities (incl. Gatineau, Drummondville) get a new roll on January 1, 2027: review requests due before May 1, 2027. JSON: https://payotte.com/api/evaluation-fonciere-quebec.json
- [How to challenge a property assessment in Quebec](https://payotte.com/en/property-assessment/challenge-property-assessment-quebec): review request before May 1 of the roll's first year (60 days after the notice only if mailed after February; 120 days for units of $3M+), filing fees ($90-$1,215 in Montreal, capped at the TAQ tariff), evaluator's written answer by September 1, TAQ appeal within 60 days (30 if no answer). Taxes and a neighbour's assessment are not valid grounds; the value can also go up. Hub: https://payotte.com/en/property-assessment (French: https://payotte.com/evaluation-fonciere)
- [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

## Financing (hub + guides, sources: OSFI, CMHC, FCAC, Finance Canada, Bank of Canada)
- [Financing hub](https://payotte.com/en/financing): every Payotte financing guide in one place, Bank of Canada policy and prime rates kept current, and a verified mortgage broker by city. French: https://payotte.com/financement
- [Mortgage affordability: how much can you borrow?](https://payotte.com/en/mortgage-affordability-canada): Two ratios (GDS 39%, TDS 44%), one higher rate: the affordability math explained. Example: $120,000 of income ≈ $485,000 of loan at the stress test —… French: https://payotte.com/capacite-emprunt-hypothecaire-canada
- [What income do you need to buy a house? 65 Canadian cities (2026)](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 stress-test rate (published assumptions). Board… French: https://payotte.com/salaire-pour-acheter-une-maison-canada
- [Down payment: the real cost of 5% instead of 20%](https://payotte.com/en/down-payment-mortgage-insurance-canada): Below 20% down, mortgage insurance is mandatory: a 4% premium ($19,000 on $500,000), about $33,300 once financed, plus a sales tax due in cash in… French: https://payotte.com/mise-de-fonds-assurance-pret-canada
- [Mortgage Pre-Approval: What It Really Guarantees (2026)](https://payotte.com/en/mortgage-preapproval-canada): Income verified, credit pulled, rate held 60 to 130 days (CMHC) — but a pre-approval covers you, not the house. Pre-qualification vs pre-approval vs… French: https://payotte.com/preapprobation-hypothecaire-canada
- [HBP + FHSA: stacking both for a first home](https://payotte.com/en/hbp-fhsa-first-home-canada): The $60,000 HBP and the $40,000 FHSA stack for the same purchase: up to $100,000 of tax shelter per person, $200,000 for a couple — double the 20% down… French: https://payotte.com/rap-celiapp-premier-achat-canada
- [First-time home buyer programs in Canada (2026)](https://payotte.com/en/first-time-home-buyer-programs-canada): Every first-time home buyer program in Canada in 2026: FHSA ($40,000), HBP ($60,000), HBTC ($1,500), new-home GST rebate (up to $50,000), plus… French: https://payotte.com/programmes-premiers-acheteurs-canada
- [Rent or Buy? The Monthly Gap in 16 Canadian Cities (2026)](https://payotte.com/en/rent-vs-buy-canada): The real monthly gap between renting and buying in 16 major Canadian metros — CMHC rents, board prices, Bank of Canada rates. Two readings (cash outlay… French: https://payotte.com/acheter-ou-louer-canada
- [Fixed or variable mortgage rate: the real trade-off](https://payotte.com/en/fixed-vs-variable-mortgage-canada): The rate is only the surface: the real difference is in the exit penalty ($5,000 vs $18,000 on $400,000) and the variable family (trigger rate). The gap… French: https://payotte.com/taux-fixe-ou-variable-canada
- [25- vs 30-Year Amortization: What It Really Changes (2026)](https://payotte.com/en/25-vs-30-year-amortization-canada): Lower payment, lower qualifying income, more interest: the 30-year amortization's real effect on each Canadian city's reference home — who qualifies… French: https://payotte.com/amortissement-25-ou-30-ans-canada
- [How to choose a verified mortgage broker (2026)](https://payotte.com/en/how-to-choose-a-mortgage-broker): Independent guide, with no rates: broker or bank, who pays the broker, AMF licence, pre-approval documents. The durable method to choose a good mortgage… French: https://payotte.com/choisir-un-courtier-hypothecaire
- [Self-employed mortgage: qualifying without a T4](https://payotte.com/en/self-employed-mortgage-canada): Lenders qualify the self-employed on their two-year average NET income — not revenue. The quantified threshold (~$105,000 for a $500,000 home with 20%… French: https://payotte.com/hypotheque-travailleur-autonome-canada
- [Alternative lenders: when the bank says no](https://payotte.com/en/alternative-mortgage-lenders-canada): A bank refusal ≠ the end of the project: B lenders finance atypical files at a rate about 1 to 2 points higher plus fees. The 'price of yes' quantified… French: https://payotte.com/preteurs-alternatifs-hypotheque-canada
- [Bridge loan: buying before selling](https://payotte.com/en/bridge-loan-canada): A bridge loan advances the down payment locked in your unsold home, for the overlap between purchase and sale. Quantified cost: about $1,650 to bridge… French: https://payotte.com/pret-relais-canada
- [Financing a plex or income property in Quebec](https://payotte.com/en/financing-plex-income-property-quebec): 5% or 10% down if you live there, 20% otherwise, and up to 100% of rents counted: with the median plex price in 5 cities. French: https://payotte.com/financer-plex-immeuble-revenus-quebec
- [Buying in undivided or divided co-ownership](https://payotte.com/en/undivided-vs-divided-co-ownership-quebec): What you really own, the indivision agreement, the 60-day removal right and financing. French: https://payotte.com/copropriete-indivise-ou-divise
- [Buying out your ex’s share of the house](https://payotte.com/en/buy-out-ex-spouse-house-quebec): Sell, buy out or stay co-owners: what changes with your type of union, refinancing and the welcome tax. French: https://payotte.com/racheter-part-ex-conjoint-maison
- [Getting a mortgage after bankruptcy or a proposal](https://payotte.com/en/mortgage-after-bankruptcy-consumer-proposal): Discharge timelines, how long it stays on your credit report, the 600 score and how to rebuild. French: https://payotte.com/hypotheque-apres-faillite-proposition
- [Buying with a parent as co-signer or guarantor](https://payotte.com/en/mortgage-co-signer-guarantor): Co-borrower, guarantor or down payment gift: what each role commits to, and the solidary surety in Quebec. French: https://payotte.com/cosignataire-garant-hypotheque
- [Construction loans and self-building](https://payotte.com/en/construction-loan-self-build-quebec): When an RBQ licence is required, the GCR warranty, the loan paid out in draws and the GST rebate. French: https://payotte.com/pret-construction-autoconstruction
- [Mortgage renewal: avoiding the 2026 payment shock](https://payotte.com/en/mortgage-renewal-canada): The low-rate terms of 2020-2021 renew at much higher rates: the shock quantified (+$540/mo on $400,000, from 2.4% to 5%), your right to shop without a… French: https://payotte.com/renouvellement-hypothecaire-canada
- [Switching lenders at renewal: what to plan for](https://payotte.com/en/switch-lender-mortgage-renewal-canada): The statement 21 days ahead, when the stress test no longer applies (straight switch since Nov. 21, 2024), and the costs. French: https://payotte.com/changer-de-preteur-renouvellement-canada
- [Refinancing and HELOC: unlocking home equity](https://payotte.com/en/refinance-heloc-canada): Borrowing up to 80% of your home's value without selling it: the 80/65 caps, refinancing vs HELOC, the worked debt-consolidation example (~$4,800/yr… French: https://payotte.com/refinancement-marge-hypothecaire-canada
- [Mortgage penalty: three months or IRD, the real math](https://payotte.com/en/mortgage-penalty-canada): Three months' interest (variable) or IRD (fixed, often inflated by the posted rate): both formulas explained, the worked example ($18,000 vs $5,000 on… French: https://payotte.com/penalite-hypothecaire-canada
- [What does it cost to discharge a mortgage? The three-layer bill](https://payotte.com/en/mortgage-discharge-fees-canada): Lender fees in the $200–$400 range (capped at $75 in BC by law), land-registry filing of $50–$80, lawyer or notary billed on top where applicable. Who… French: https://payotte.com/frais-quittance-hypothecaire-canada
- [Transferring your mortgage: portability and assumption](https://payotte.com/en/mortgage-portability-transfer-canada): Keeping your mortgage when you move or having the buyer take it over: conditions, possible penalty, CMHC premium credit up to 100%. French: https://payotte.com/transfert-portabilite-hypotheque-canada
- [Canada policy interest rate: 2.25% — history and mortgage impact](https://payotte.com/en/canada-policy-rate): The Bank of Canada policy rate, 2.25% today: current rates, the decision history since 2022, the announcement calendar, and what it concretely changes… French: https://payotte.com/taux-directeur-canada
- [Mortgage stress test: what rate are you qualified at?](https://payotte.com/en/mortgage-stress-test-canada): The greater of 5.25% or your rate plus 2 points: the OSFI rule, when it applies and what it changes, at today’s rate. French: https://payotte.com/test-de-resistance-hypothecaire-canada

## Special situations (Quebec-specific guides, sources: Civil Code of Québec, CPTAQ, Cities and Towns Act, Municipal Code, Chambre des notaires)
- [Special situations hub](https://payotte.com/en/special-situations): guides for cases general guides cover poorly, each with its official sources and the professional who solves it. French: https://payotte.com/situations-particulieres
- [Buying in undivided or divided co-ownership](https://payotte.com/en/undivided-vs-divided-co-ownership-quebec): What you really own, the indivision agreement, the 60-day removal right and financing. Quebec rules. French: https://payotte.com/copropriete-indivise-ou-divise
- [Buying a hobby farm or land in the agricultural zone](https://payotte.com/en/buying-land-agricultural-zone-quebec): Checking the zone, what requires CPTAQ authorization and when a house is allowed. Quebec rules. French: https://payotte.com/acheter-terre-agricole-cptaq
- [Construction loans and self-building](https://payotte.com/en/construction-loan-self-build-quebec): When an RBQ licence is required, the GCR warranty, the loan paid out in draws and the GST rebate. Quebec rules. French: https://payotte.com/pret-construction-autoconstruction
- [Buying out your ex’s share of the house](https://payotte.com/en/buy-out-ex-spouse-house-quebec): Sell, buy out or stay co-owners: what changes with your type of union, refinancing and the welcome tax. Quebec rules. French: https://payotte.com/racheter-part-ex-conjoint-maison
- [Getting a mortgage after bankruptcy or a proposal](https://payotte.com/en/mortgage-after-bankruptcy-consumer-proposal): Discharge timelines, how long it stays on your credit report, the 600 score and how to rebuild. Quebec rules. French: https://payotte.com/hypotheque-apres-faillite-proposition
- [Buying with a parent as co-signer or guarantor](https://payotte.com/en/mortgage-co-signer-guarantor): Co-borrower, guarantor or down payment gift: what each role commits to, and the solidary surety in Quebec. Quebec rules. French: https://payotte.com/cosignataire-garant-hypotheque
- [Buying a property at a municipal tax sale](https://payotte.com/en/municipal-tax-sale-quebec): Who sells, immediate payment, the one-year 10% redemption right and the risks. Quebec rules. French: https://payotte.com/vente-pour-taxes-municipales-quebec
- [Buying a condo off-plan](https://payotte.com/en/buying-condo-off-plan-quebec): The preliminary contract, 10 days to withdraw, the protected deposit and financing that only comes at delivery. Quebec rules. French: https://payotte.com/acheter-condo-sur-plan

## 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) — 25 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
- [Brantford](https://payotte.com/canada/ontario/brantford) — 4 verified experts
- [Waterloo](https://payotte.com/canada/ontario/waterloo) — 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**: MTL Home Inspection (Home Inspector, Saint-Laurent, 95/100, confirmed by the professional); Mélanie Pépin (Mortgage Broker, Ahuntsic-Cartierville, 93/100, confirmed by the professional); Eric Guillou (Real Estate Broker, Rosemont, 88/100); Nathalie Fournier (Mortgage Broker, Mercier–Hochelaga-Maisonneuve, 88/100); Toby Thériault (Home Inspector, Ville-Marie, 86/100, confirmed by the professional); Polo Inspection (Home Inspector, Mercier–Hochelaga-Maisonneuve, 84/100); Mikaël Giardina-Cohen (Real Estate Broker, Saint-Laurent, 83/100); Esplanade Évaluation Immobilière (Appraiser, Riviere-des-Prairies–PAT, 83/100); Hubert Lavallée (Real Estate Broker, Mercier–Hochelaga-Maisonneuve, 82/100); Julien Chaumont (Mortgage Broker, Cote-des-Neiges–NDG, 82/100); Frédéric Guilmard (Real Estate Broker, Outremont, 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); Pierre-Alain St-Laurent (Mortgage Broker, Rosemont, 80/100, confirmed by the professional); Groupe LPCA (Appraiser, Rosemont, 80/100); PCG Carmon (Appraiser, Ahuntsic-Cartierville, 80/100); Jeremy Drouin (Mortgage Broker, Ville-Marie, 79/100); Patrick Lambert (Home Inspector, Verdun–Sud-Ouest, 79/100); Inspection Simca (Home Inspector, Riviere-des-Prairies–PAT, 78/100); Lina Akhdar (Real Estate Lawyer, Ahuntsic-Cartierville, 78/100); Josée Dubé (Real Estate Lawyer, Rosemont, 77/100); Mona Golabi (Real Estate Lawyer, Verdun–Sud-Ouest, 75/100); Robert-Charles Ferland (Appraiser, Outremont, 74/100); Salam Sleiman (Real Estate Lawyer, Saint-Laurent, 74/100); Xavier Grelier (Real Estate Broker, Plateau-Mont-Royal, 73/100); Dominique Roy (Real Estate Broker, Riviere-des-Prairies–PAT, 73/100); Adil Kalal (Home Inspector, Plateau-Mont-Royal, 73/100); Sébastien Rivard (Home Inspector, Ahuntsic-Cartierville, 73/100, confirmed by the professional); Nadia De Riggi (Real Estate Lawyer, Cote-des-Neiges–NDG, 73/100); Simon Brabant (Appraiser, Verdun–Sud-Ouest, 73/100, confirmed by the professional); Adil Kalal (Home Inspector, Rosemont, 73/100); Valoris - Évaluateurs agréés (Appraiser, Saint-Laurent, 73/100, confirmed by the professional); Mélanie Lachaine (Mortgage Broker, Verdun–Sud-Ouest, 72/100); Michaël Chriqui (Real Estate Lawyer, Ville-Marie, 72/100); Isabelle Naud (Real Estate Broker, Ahuntsic-Cartierville, 71/100); Stéphane Guérard (Mortgage Broker, Plateau-Mont-Royal, 71/100, confirmed by the professional); Eva Hazan (Real Estate Lawyer, Outremont, 71/100, confirmed by the professional); Jérémie Labbé (Real Estate Broker, Ville-Marie, 70/100, confirmed by the professional); Rouba Mansour (Real Estate Lawyer, Plateau-Mont-Royal, 70/100)
- **Toronto**: Sharon Soltanian (Real Estate Broker, North York, 97/100, confirmed by the professional); Leslie Brlec (Real Estate Broker, Etobicoke, 95/100); Wins Lai (Real Estate Broker, Downtown Core, 92/100); 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, 89/100); Paul Meredith (Mortgage Broker, Downtown Core, 88/100, confirmed by the professional); Sivage Sivagumaran (Real Estate Broker, Scarborough, 87/100); Carson Dunlop & Associates Ltd. (Home Inspector, Downtown Core, 87/100); Lorne Shuman (Real Estate Lawyer, North York, 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); David Wall (Home Inspector, Scarborough, 84/100); Thomas Rando (Home Inspector, York, 84/100); Alexander Hu (Real Estate Lawyer, Downtown Core, 84/100); Tridac Mortgage (team) (Mortgage Broker, York, 83/100); Micky Khaneka (Mortgage Broker, North York, 82/100, confirmed by the professional); Michael Lau (Appraiser, Etobicoke, 82/100); Ross Taylor (Mortgage Broker, Midtown, 81/100, confirmed by the professional); Al Gangani (Real Estate Lawyer, Scarborough, 81/100); Shant Kaltakjian (AMP) (Mortgage Broker, Thorncliffe Park, 80/100); Korman & Company (Real Estate Lawyer, East End, 80/100); Michael D. Smith (Real Estate Lawyer, East York, 80/100); Scott Hanton (Real Estate Broker, East End, 79/100); Varshan Thavarajah (Mortgage Broker, Scarborough, 79/100); HouseMaster Home Inspections (franchise Toronto — inspecteur 'Michael') (Home Inspector, West End, 79/100); Heather Markoff (Appraiser, York, 79/100); Demet Altunbulakli (Real Estate Lawyer, Midtown, 78/100); Mushtaq Khan (Appraiser, Downtown Core, 78/100, confirmed by the professional); Steve Bourne (Mortgage Broker, 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, 77/100, confirmed by the professional); Soroosh Asady (Real Estate Lawyer, Etobicoke, 75/100); Canadian Home Appraisals Inc. (Appraiser, Scarborough, 75/100, confirmed by the professional); Cohen LLP, Barristers & Solicitors (Real Estate Lawyer, Thorncliffe Park, 73/100); Appraisal Hub Inc. (Appraiser, East York, 73/100); Seven Appraisal Inc. (7Appraisal) (Appraiser, Midtown, 72/100); Appraisal Hub Inc. (Appraiser, North York, 72/100); Laurence Dutil-Ricard (Real Estate Lawyer, West End, 70/100)
- **Calgary**: Mark Herman (Mortgage Broker, Inner City SW, 94/100, confirmed by the professional); Tim Lacroix (Mortgage Broker, South Calgary, 92/100, confirmed by the professional); Jessica Chan (Real Estate Broker, Inner City SW, 92/100); Burton Home Team (Real Estate Broker, Southeast Calgary, 91/100); John Hripko (Real Estate Broker, East Calgary, 90/100); Marnie Campbell (Real Estate Broker, West Calgary, 90/100); Property Law Firm CB LLP (Real Estate Lawyer, South Calgary, 89/100); True North Mortgage (Stephen Avenue Place) (Mortgage Broker, Downtown Calgary, 87/100); Jeremy Nagel (Mortgage Broker, East Calgary, 86/100); Wernick Omura Singh (Appraiser, North Calgary, 86/100); Max Singh (Harprit Singh) (Mortgage Broker, North Calgary, 85/100); Urban Upgrade & NewInfills (Real Estate Broker, North Calgary, 85/100); JK Law (Real Estate Lawyer, East Calgary, 84/100); KH/Dunkley Law Group (Real Estate Lawyer, North Calgary, 83/100); Jeffrey Kahane (Real Estate Lawyer, Inner City NW, 83/100); Julie Dempsey (Real Estate Broker, Downtown Calgary, 82/100); Farouk Shivji (Real Estate Lawyer, Downtown Calgary, 81/100); Real LeBlanc (Mortgage Broker, Southeast Calgary, 80/100); Brandon Clark (Real Estate Lawyer, West Calgary, 79/100); Stephen McDonald (Real Estate Broker, South Calgary, 79/100); New Direction Home Inspections (Home Inspector, Downtown Calgary, 79/100); Sage Appraisals (Appraiser, South Calgary, 79/100); Diane Richardson (Real Estate Broker, Inner City NW, 74/100); Kevin Brown (Mortgage Broker, West Calgary, 71/100); Gea Gillies (Mortgage Broker, Inner City NW, 70/100)
- **Ottawa**: Chris Allard (Mortgage Broker, Barrhaven–Nepean, 93/100, confirmed by the professional); Angelo Toscano (Real Estate Broker, Orleans–Gloucester, 93/100); Darren McClurg (Home Inspector, Kanata–Stittsville, 92/100, confirmed by the professional); Andrew Thake (Mortgage Broker, Downtown Ottawa, 92/100); Sean McCann (Real Estate Broker, Westboro–Hintonburg, 88/100); David Leith (Real Estate Lawyer, Westboro–Hintonburg, 87/100); Jacques Robert (Real Estate Lawyer, Kanata–Stittsville, 87/100); Andrew Wieland (Appraiser, Downtown Ottawa, 85/100); 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); Diane Allingham & Jennifer Stewart (Real Estate Broker, Glebe–Old Ottawa South, 80/100); Chris McArthur (Home Inspector, Glebe–Old Ottawa South, 79/100); Wieland & Associates Inc (Appraiser, Westboro–Hintonburg, 78/100)
- **Edmonton**: Terry Paranych Real Estate Group (Real Estate Broker, West Edmonton, 95/100); Brad Daviss, P.App, AACI — Frost & Associates Realty Services Inc. (Edmonton) (Appraiser, South Edmonton, 94/100); Brad Daviss, P.App, AACI — Frost & Associates (Edmonton; areas served include St. Albert) (Appraiser, St. Albert Area, 94/100); Flare Mortgage Group — Crystal Mamchur (Mortgage Broker, Northeast Edmonton, 92/100); Erin Willman (Real Estate Broker, St. Albert Area, 92/100); Richards + Company — Darren Richards (Real Estate Lawyer, Downtown Edmonton, 92/100); Wally Fakhreddine (Real Estate Broker, Southeast Edmonton, 90/100); Collin Bruce Mortgage Team (Mortgage Broker, South Edmonton, 89/100); Norm Cholak (Real Estate Broker, South Edmonton, 89/100); Alberta Property Inspection Ltd (API) (Home Inspector, West Edmonton, 88/100); Alberta Property Inspection Ltd. — Chris Bottriell (Home Inspector, Southeast Edmonton, 88/100); Alison Murray (Real Estate Broker, Downtown Edmonton, 87/100); Cartwright Appraisals (Appraiser, Downtown Edmonton, 86/100); True North Mortgage (Edmonton City Centre) (Mortgage Broker, Downtown Edmonton, 86/100); Tara Borle (Mortgage Broker, St. Albert Area, 86/100); ETown Mortgage — Connie Graham & Briana Hennigan (Mortgage Broker, North Edmonton, 84/100); Access Home Inspection Services Inc. (Home Inspector, South Edmonton, 83/100); Gurpreet Ghatehora (Real Estate Broker, North Edmonton, 83/100); Andrew F. Cao (Real Estate Lawyer, South Edmonton, 83/100); Collin Bruce Mortgage Team (Mortgage Broker, Southeast Edmonton, 82/100); REI & Co Home Inspections — Geoff Latham (CMI) (Home Inspector, Downtown Edmonton, 81/100); North 49 Home Inspections (Home Inspector, Northeast Edmonton, 79/100); Jason Tse, B.A., CRA, P.App — One Step Appraisals (Edmonton) (Appraiser, North Edmonton, 77/100); Michael Lazaruk — Lazaruk Law (Real Estate Lawyer, Southeast Edmonton, 77/100); Jiabai Li, MSc., AACI, P.App — One Step Appraisals (Edmonton) (Appraiser, Northeast Edmonton, 76/100); Calvin Hexter (Real Estate Broker, Northeast Edmonton, 76/100); Inspection Works (Home Inspector, North Edmonton, 74/100); Brokers For Life Inc. (Mortgage Broker, West Edmonton, 73/100); Jonathan Healey — Healey Law (Real Estate Lawyer, West Edmonton, 73/100); Good Law Firm — Nicole Korek (conveyancer) (Real Estate Lawyer, St. Albert Area, 73/100); Puneet Bhardwaj / Claire Spicer (Real Estate Lawyer, North Edmonton, 71/100); Jeffrey Kahane, KC (Kahane Law Office) (Real Estate Lawyer, Northeast Edmonton, 71/100); Brandon Gaulden, CMI, RHI — Canadian Home Property Inspections (Home Inspector, St. Albert Area, 70/100)
- **Winnipeg**: Cory Jacques — AmeriSpec Winnipeg (Home Inspector, St. Vital–St. Boniface, 91/100); Canadian Residential Inspection Services Winnipeg (Home Inspector, Downtown Winnipeg, 88/100); One Link Mortgage & Financial (Mortgage Broker, West Winnipeg, 86/100); Nicole Hacault — Royal LePage Top Producers (Real Estate Broker, River Heights–Osborne Village, 85/100); The McCreedy Knox Team — Royal LePage Prime (Real Estate Broker, Transcona–East Winnipeg, 84/100); Robert (Bob) Arthur (Real Estate Lawyer, West Winnipeg, 83/100); Goodfellow Realty (Tom Goodfellow) (Real Estate Broker, Downtown Winnipeg, 83/100); Kenneth G. Davie (Real Estate Lawyer, River Heights–Osborne Village, 80/100); Ed Dale Team (Real Estate Broker, St. Vital–St. Boniface, 80/100); The Spooner Group (Tracy Spooner) (Mortgage Broker, St. Vital–St. Boniface, 79/100); Castle Mortgage Group (Mortgage Broker, River Heights–Osborne Village, 78/100); J.R. Norman Boudreau (Real Estate Lawyer, Downtown Winnipeg, 78/100); Philippe Richer (Real Estate Lawyer, St. Vital–St. Boniface, 78/100); Ian Toogood, CRA, P.App. — MacKenzie & Associates (Appraiser, West Winnipeg, 77/100); Geoffrey Toews (Hook & Smith) (Real Estate Lawyer, North Winnipeg, 77/100); Chris Lange — Lange Law (Real Estate Lawyer, Transcona–East Winnipeg, 76/100); Sandi Huynen — Dominion Lending Centres (Mortgage Broker, Transcona–East Winnipeg, 75/100); Justin Pokrant (Real Estate Broker, West Winnipeg, 75/100); Deana Halladay, P.App., CRA — Halladay Appraisal Services (Appraiser, St. Vital–St. Boniface, 70/100)
- **Mississauga**: Vahn Balabanian (Home Inspector, City Centre, 98/100, confirmed by the professional); Joe Purewal (Mortgage Broker, City Centre, 96/100); Joe Battaglia (Real Estate Broker, Port Credit–Lakeshore, 95/100, confirmed by the professional); Canadian Mortgage Services (CMS) (Mortgage Broker, Malton–Airport Area, 94/100); Sam McDadi (Real Estate Broker, City Centre, 93/100); Asif Shahzad (CENTURY 21 Green Realty Inc., Brokerage) (Real Estate Broker, Cooksville–Central Mississauga, 93/100); Ross Taylor (Mortgage Broker, Port Credit–Lakeshore, 93/100, confirmed by the professional); Cynthia Ostos (Real Estate Broker, Streetsville–West Mississauga, 91/100); AKAL Mortgages Inc. (Mortgage Broker, Cooksville–Central Mississauga, 91/100); Vikas Madaan (Real Estate Lawyer, Malton–Airport Area, 89/100); Magnified Home Inspections Ltd (Joe Roberto, CMI, RHI) (Home Inspector, Cooksville–Central Mississauga, 88/100); Day+Borg LLP (Real Estate Lawyer, Streetsville–West Mississauga, 88/100); Clearview Home & Property Inspections (Home Inspector, Malton–Airport Area, 84/100); Accurate (Peel) Appraisals Inc. (Thomas Bremner, CRA) (Appraiser, Malton–Airport Area, 82/100); Vinod Bansal (Real Estate Broker, Malton–Airport Area, 82/100); Ajit Dudani — Essential Home Inspections (Home Inspector, Streetsville–West Mississauga, 81/100); Aaron Lewicki (Real Estate Lawyer, Port Credit–Lakeshore, 81/100); Frank Vrdoljak (Appraiser, Cooksville–Central Mississauga, 79/100); Clover Mortgage (Steven Tulman, Principal Broker) (Mortgage Broker, Streetsville–West Mississauga, 79/100); Michael Tita — Lighthouse Inspections (Mississauga East & Brampton) (Home Inspector, Port Credit–Lakeshore, 78/100); Mushtaq Khan (Appraiser, City Centre, 76/100, confirmed by the professional); Apex Appraisal Inc. (Sean Smith, P.App, CRA) (Appraiser, Meadowvale–North Mississauga, 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, 73/100)
- **Vancouver**: Andrew & Jill Hasman (Real Estate Broker, Kitsilano–Point Grey, 93/100); Leo Wilk (Real Estate Broker, Dunbar–Shaughnessy, 93/100); Shawn Anderson (Home Inspector, Downtown–West End, 91/100); Michael Zegarra (Home Inspector, East Vancouver, 90/100); David Fairbairn (Home Inspector, Burnaby, 90/100); Jeremy Bohbot (Real Estate Lawyer, Kitsilano–Point Grey, 90/100, confirmed by the professional); Geoff Jarman (Real Estate Broker, Burnaby, 89/100); Ron Parpara (Real Estate Broker, Downtown–West End, 88/100); Ryan Walton (Home Inspector, North Vancouver, 86/100, confirmed by the professional); Zaheed Valli-Hasham (Mortgage Broker, Downtown–West End, 86/100); McKay Wood (Mortgage Broker, North Vancouver, 86/100); Lawrenson Walker Appraisers Ltd. (Appraiser, Mount Pleasant–Fraser, 85/100); Carol A. Lee (Real Estate Lawyer, South Vancouver, 85/100); Bahar Mashreghi (Real Estate Lawyer, Dunbar–Shaughnessy, 85/100); Aedis Appraisals (Appraiser, Dunbar–Shaughnessy, 84/100); West Haven Group (Real Estate Broker, Mount Pleasant–Fraser, 83/100); Khushhal Bains (Real Estate Lawyer, Downtown–West End, 82/100); Winston Victor Barta (Real Estate Lawyer, East Vancouver, 82/100); Greyden Douglas (Real Estate Broker, South Vancouver, 82/100); Nick Shlyakhov (Mortgage Broker, Burnaby, 81/100); Eitan Pinsky (Mortgage Broker, Kitsilano–Point Grey, 78/100); Geoff Lee (Mortgage Broker, East Vancouver, 78/100); Peter Jesal (Home Inspector, Kitsilano–Point Grey, 77/100); Aaron Borsch (Home Inspector, South Vancouver, 77/100); Eleanor Chung (Real Estate Lawyer, Burnaby, 77/100); Ben D'Ovidio (Real Estate Broker, East Vancouver, 77/100); Rick Richardson (Home Inspector, Mount Pleasant–Fraser, 76/100); Cindy Silver (Real Estate Lawyer, North Vancouver, 76/100); Kirk Bryan (Mortgage Broker, South Vancouver, 70/100)
- **Brampton**: Canadian Mortgage Services (Mortgage Broker, Brampton South, 98/100); Vahn Balabanian (Home Inspector, Downtown Brampton, 92/100, confirmed by the professional); Alan Carson, RHI (Home Inspector, Brampton North, 88/100); Ontario Inspections Inc. (Sam) (Home Inspector, Brampton South, 86/100); Thapliyal & Rai Law Firm (Real Estate Lawyer, Brampton East, 85/100); Rakhi Madan (Mortgage Broker, Downtown Brampton, 85/100); German Sandhu (Real Estate Broker, Brampton North, 84/100); Rodney Schunker (Mortgage Broker, Brampton North, 83/100); Sunny Purewal (Real Estate Broker, Brampton West, 83/100); Aviron Law Professional Corporation (Real Estate Lawyer, Brampton South, 81/100); Avon Financial (Harpreet) (Mortgage Broker, Brampton West, 80/100); Mushtaq Khan (Appraiser, Brampton North, 79/100, confirmed by the professional); Mushtaq Khan (Appraiser, Brampton South, 79/100, confirmed by the professional); Mushtaq Khan (Appraiser, Brampton West, 79/100, confirmed by the professional); Mushtaq Khan (Appraiser, Downtown Brampton, 79/100, confirmed by the professional); Sunny Gawri (Real Estate Broker, Brampton East, 78/100); Thomas Bremner, CRA (Appraiser, Brampton East, 77/100); Graham Clarke (Clarke Engineering, RHI) (Home Inspector, Brampton East, 77/100); Kunal Kapoor (Real Estate Lawyer, Brampton West, 73/100); Heer Legal (Manjot Heer) (Real Estate Lawyer, Downtown Brampton, 73/100); Gurjiwan Brar (et équipe) (Real Estate Lawyer, Brampton North, 72/100)
- **Hamilton**: The Golfi Team (Rob Golfi) (Real Estate Broker, East Hamilton, 99/100); Pat Del Sordo, AACI, P.App. (Appraiser, East Hamilton, 93/100, confirmed by the professional); Hometown Law (Real Estate Lawyer, West Hamilton, 89/100); Synergy Mortgage Group (Greg Cocks) (Mortgage Broker, Downtown Hamilton, 88/100); Thomas E. Lazier (Ross & McBride LLP) (Real Estate Lawyer, Downtown Hamilton, 87/100); The O'Reilly Group (Luke O'Reilly) (Real Estate Broker, Ancaster–Dundas, 85/100); Pat Del Sordo, AACI, P.App. (Appraiser, Downtown Hamilton, 85/100, confirmed by the professional); Pat Del Sordo, AACI, P.App. (Appraiser, West Hamilton, 85/100, confirmed by the professional); Mark Woehrle (Real Estate Broker, Downtown Hamilton, 84/100); Fair Mortgage Solutions (Graeme) (Mortgage Broker, Hamilton Mountain, 83/100); Kathy Della-Nebbia (Real Estate Broker, Hamilton Mountain, 83/100); Bold Mortgage Group — Mortgage Financial Corporation Lic. #10421 (Mortgage Broker, East Hamilton, 82/100); Peter J. Dudzic Law Office (Real Estate Lawyer, Hamilton Mountain, 81/100); Bill Papaioannou (Real Estate Broker, West Hamilton, 81/100); Verico - Best Mortgage Loans Inc. (Mortgage Broker, West Hamilton, 80/100); Mandani Law (Real Estate Lawyer, Ancaster–Dundas, 79/100); Marek Danielewski (Home Inspector, Hamilton Mountain, 78/100, confirmed by the professional); The Home Inspector Inc. (Home Inspector, West Hamilton, 78/100); Rankin Home Inspection (Home Inspector, Ancaster–Dundas, 76/100); 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); Arch Home Inspections (Home Inspector, Newton, 90/100); Northwood Home Inspections (Home Inspector, Surrey City Centre, 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, 85/100); Ingram Mortgage Team (Mortgage Broker, Cloverdale, 83/100); Goldy Kang Real Estate Group (Real Estate Broker, Newton, 82/100); CANPRO Home Inspections (Home Inspector, Whalley–Fraser Heights, 82/100); Tara Morrow & Wes Hansen (Real Estate Broker, Cloverdale, 81/100); Krische, Fedewich & Witt Notaries (Real Estate Lawyer, Cloverdale, 81/100); Open Doors Mortgage Team (Mortgage Broker, Whalley–Fraser Heights, 81/100); Blue Pearl Mortgage Group Inc. (Mortgage Broker, Guildford–Fleetwood, 79/100); Stinger Home Inspections (Home Inspector, South Surrey–White Rock, 79/100); Tom (Thomas) McConnell (Real Estate Broker, Whalley–Fraser Heights, 78/100); Collingwood Appraisals Ltd. (Appraiser, Surrey City Centre, 74/100); Kristin Linquist (Appraiser, Cloverdale, 72/100); Ameera Shums Notary Corporation (Real Estate Lawyer, Newton, 71/100)
- **Richmond**: Austin Kay (Real Estate Broker, Richmond, 91/100); Kelly Hudson (Mortgage Broker, Richmond, 76/100, confirmed by the professional); Tammy Morin Nakashima (Real Estate Lawyer, Richmond, 73/100); Kevin Choi (Home Inspector, Richmond, 70/100)
- **Abbotsford**: Sat Swaich (Real Estate Broker, Abbotsford, 83/100); Alex Kotai (Mortgage Broker, Abbotsford, 81/100); Daniel Fedosenko (Home Inspector, Abbotsford, 77/100); Harman Virk (Real Estate Lawyer, Abbotsford, 75/100)
- **Coquitlam**: Krista Lapp (Real Estate Broker, Coquitlam, 89/100); Trish Pigott (Mortgage Broker, Coquitlam, 84/100); Shaghayegh Vafaei (Real Estate Lawyer, Coquitlam, 77/100); Michael Juri (Home Inspector, Coquitlam, 74/100); Sean Ameri (Appraiser, Coquitlam, 72/100)
- **Kelowna**: Adrian Joseph (AJ) Hazzi (Real Estate Broker, Kelowna, 91/100); Valentino Luigi Domenic (Lennie) Rampone (Mortgage Broker, Kelowna, 81/100); Surej (Suraj) Dhillon (Real Estate Lawyer, Kelowna, 72/100); Allan Beatty, AACI (Appraiser, Kelowna, 72/100); Erich Kamprath (Home Inspector, Kelowna, 71/100, confirmed by the professional)
- **Quebec City**: Marie Pronovost (Mortgage Broker, Upper Town–Montcalm, 94/100, confirmed by the professional); Étienne Gilbert (Mortgage Broker, Old Québec, 90/100, confirmed by the professional); Catherine Labrecque (Real Estate Broker, Charlesbourg–Beauport, 86/100); Mathieu Jacob (Home Inspector, Charlesbourg–Beauport, 85/100, confirmed by the professional); Me Benoit Dancause (Real Estate Lawyer, Saint-Sauveur–Limoilou, 85/100); Stéphane Ritchot (Real Estate Broker, Upper Town–Montcalm, 82/100); Jacinthe Pelletier (Real Estate Broker, Lévis, 82/100); Aubin & Desbiens Notaires (Real Estate Lawyer, Upper Town–Montcalm, 82/100, confirmed by the professional); Laurence Bédard (Real Estate Broker, Saint-Sauveur–Limoilou, 81/100); Meggy Rousseau (Real Estate Broker, Sainte-Foy–Sillery, 80/100); Valérie Grenier (Mortgage Broker, Saint-Sauveur–Limoilou, 80/100, confirmed by the professional); François Nadaud (Mortgage Broker, Lévis, 80/100, confirmed by the professional); Jean Corriveau (Mortgage Broker, Charlesbourg–Beauport, 78/100); Louis-Philippe Munoz (Appraiser, Charlesbourg–Beauport, 78/100, confirmed by the professional); Samuel Labrecque (Real Estate Broker, Old Québec, 75/100); Sébastien Boudreau (Home Inspector, Old Québec, 74/100, confirmed by the professional); Ronald Morin (Home Inspector, Sainte-Foy–Sillery, 74/100); Mickaël Pellerin (Home Inspector, Lévis, 74/100, confirmed by the professional); Me Marie-Noelle Villemaire (Real Estate Lawyer, Old Québec, 74/100); Me Jean-Philippe Aubin (Real Estate Lawyer, Sainte-Foy–Sillery, 74/100, confirmed by the professional); Me Pascal Hachey (Real Estate Lawyer, Charlesbourg–Beauport, 74/100); Vincent Gervais-Moreau (Appraiser, Sainte-Foy–Sillery, 72/100); Me Pierre Samson (Real Estate Lawyer, Lévis, 71/100); Jean François Boucher (Mortgage Broker, Sainte-Foy–Sillery, 70/100)
- **Halifax**: Halifax Home Inspection (Home Inspector, South End–Armdale, 87/100); Clinton Wilkins Mortgage Team (Mortgage Broker, Dartmouth–Bedford, 87/100); Sandra Pike (Real Estate Broker, Downtown Halifax, 86/100, confirmed by the professional); Jack Cameron (Mortgage Broker, North End–Fairview, 85/100); Sandra Pike (Real Estate Broker, North End–Fairview, 85/100); Danielle MacLean (Real Estate Lawyer, Dartmouth–Bedford, 83/100); Mark Charles (Real Estate Lawyer, South End–Armdale, 81/100); AKME Appraisals, Inc (Appraiser, North End–Fairview, 80/100); Michael (Mick) Levin (Real Estate Lawyer, North End–Fairview, 78/100, confirmed by the professional); Alex Lavender (Mortgage Broker, Downtown Halifax, 76/100); Bruce Lusby (Mortgage Broker, South End–Armdale, 76/100, confirmed by the professional); Matthew A. Edmonds (Real Estate Lawyer, Downtown Halifax, 75/100); Robert Scanlan (Real Estate Broker, Dartmouth–Bedford, 75/100)
- **Laval**: Ryan La Haye (Mortgage Broker, Laval, 90/100, confirmed by the professional); Éric Girard (Home Inspector, Laval, 83/100); Gabriel Laflamme (Real Estate Broker, Laval, 82/100)
- **Gatineau**: DEFSCO Inspection (Home Inspector, Gatineau, 87/100, confirmed by the professional); Martin Vallée (Mortgage Broker, Gatineau, 83/100); Stéphane Bisson (Real Estate Broker, Gatineau, 82/100); Me France Gagnon, notaire (Real Estate Lawyer, Gatineau, 70/100)
- **Longueuil**: Louis Noël, inspecteur en bâtiment (Home Inspector, Longueuil, 93/100); Pierre-Yves Cloutier (Real Estate Broker, Longueuil, 77/100, confirmed by the professional); Samuel Meloche (Mortgage Broker, Longueuil, 76/100)
- **Sherbrooke**: Sébastien Labrie (Real Estate Broker, Sherbrooke, 82/100); Me Nathalie Lambert, notaire (Real Estate Lawyer, Sherbrooke, 80/100); Inspection de bâtiment Lemieux (Home Inspector, Sherbrooke, 78/100)
- **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, 77/100)
- **Saskatoon**: Riel Syrenne (Mortgage Broker, Saskatoon, 94/100, confirmed by the professional); Derek Winik (Home Inspector, Saskatoon, 88/100); Tara D. Chornoby (Real Estate Lawyer, Saskatoon, 87/100, confirmed by the professional); Michelle Butler (Real Estate Broker, Saskatoon, 86/100)
- **Regina**: Skott Enns (Mortgage Broker, Regina, 84/100); Sean (Sagar) Kundra (Real Estate Broker, Regina, 78/100); Alina Marga (Real Estate Lawyer, Regina, 74/100); Blaise Clements, AACI, P.App. (Appraiser, Regina, 70/100)
- **Prince Albert**: Nicole A. Sawchuk (Real Estate Lawyer, Prince Albert, 80/100); Maria Titarenko (Mortgage Broker, Prince Albert, 75/100)
- **Moose Jaw**: Joel Toupin (Home Inspector, Moose Jaw, 85/100); 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, 86/100); Stephane G. Brun, P.C. (Real Estate Lawyer, Moncton, 79/100); Dennis Wilson (Real Estate Broker, Moncton, 76/100); Michel H. Babineau, CRA (Appraiser, Moncton, 76/100)
- **Saint John**: Seamus Cox (Real Estate Lawyer, Saint John, 80/100, confirmed by the professional); Cindy MacFarland (Mortgage Broker, Saint John, 79/100); Li Song (Real Estate Broker, Saint John, 78/100)
- **Fredericton**: Drew L. Simpson (Real Estate Lawyer, Fredericton, 82/100); Kevin Hollohan (Real Estate Broker, Fredericton, 79/100); Mike Strong (Home Inspector, Fredericton, 72/100)
- **Markham**: Kirby Chan (Real Estate Broker, Markham, 85/100); Twin Peaks Property Inspections (Home Inspector, Markham, 84/100); George Vukelich (Real Estate Lawyer, Markham, 79/100); Samier Patel, CRA (Appraiser, Markham, 78/100); Donovan Walker (Mortgage Broker, Markham, 77/100)
- **Vaughan**: Vadim Vilensky (Real Estate Broker, Vaughan, 83/100); Surrayya Afzal (Mortgage Broker, Vaughan, 83/100); M. Alessandra B. Ocampo (Real Estate Lawyer, Vaughan, 81/100); Mushtaq Khan (Appraiser, Vaughan, 77/100, confirmed by the professional); The Martiniuk Team — Pillar To Post (Home Inspector, Vaughan, 74/100)
- **London**: Aaron Lee (Home Inspector, London, 85/100); Colin Dambrauskas (Mortgage Broker, London, 85/100); Michael Glasser (Real Estate Broker, London, 78/100); David Amin (Real Estate Lawyer, London, 78/100); Metrix Realty Group (Appraiser, London, 73/100)
- **Kitchener**: Janna Dawdy (Mortgage Broker, Kitchener, 93/100); Anurag Sharma (Real Estate Broker, Kitchener, 92/100); Victor Hussein (Real Estate Lawyer, Kitchener, 92/100); Chad Hussey (Home Inspector, Kitchener, 86/100)
- **Windsor**: Goran Todorovic (Real Estate Broker, Windsor, 93/100); 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, 97/100); Jean-Guy Turcotte (Mortgage Broker, Red Deer, 93/100); Christopher Stephan (Real Estate Lawyer, Red Deer, 91/100); Ryan Ervin (Home Inspector, Red Deer, 83/100); David Horn (Appraiser, Red Deer, 74/100)
- **Lethbridge**: Chris Marriner (Mortgage Broker, Lethbridge, 96/100); Mike Hemmerling (Home Inspector, Lethbridge, 94/100); Courtney Atkinson (Real Estate Broker, Lethbridge, 87/100); Devin Wallace (Real Estate Lawyer, Lethbridge, 83/100); James H. Schoenne (Appraiser, Lethbridge, 79/100)
- **Fort McMurray**: Charlene Elliott (Mortgage Broker, Fort McMurray, 94/100, confirmed by the professional); Eddie Dicks (Home Inspector, Fort McMurray, 87/100); Kerry Allenby (Real Estate Lawyer, Fort McMurray, 82/100)
- **Airdrie**: Patricia McKean (Mortgage Broker, Airdrie, 92/100); Adam Boccinfuso (Home Inspector, Airdrie, 90/100); Richard Horne (Real Estate Lawyer, Airdrie, 82/100); Sanjit Singh (Appraiser, Airdrie, 81/100)
- **Grande Prairie**: Gert Martens (Mortgage Broker, Grande Prairie, 93/100); Mike Cooke (Home Inspector, Grande Prairie, 90/100); Jason Forbes (Real Estate Lawyer, Grande Prairie, 89/100); Brent North (Real Estate Broker, Grande Prairie, 85/100)
- **Medicine Hat**: Elizabeth McNally (Real Estate Broker, Medicine Hat, 95/100); Kristi Sauter (Mortgage Broker, Medicine Hat, 91/100); Wade Ellis (Home Inspector, Medicine Hat, 83/100); 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); Patrick Bergeron (Home Inspector, Sainte-Julie, 86/100, confirmed by the professional); Me Isabelle Lemieux (Real Estate Lawyer, Sainte-Julie, 75/100)
- **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); Patrick Gaudet (Home Inspector, Drummondville, 70/100, confirmed by the professional)
- **Rimouski**: Me Rénald Doucet (Real Estate Lawyer, Rimouski, 70/100)
- **Saint-Jérôme**: Francis Lamontagne (Mortgage Broker, Saint-Jérôme, 86/100); Équipe Darveau Leduc (Real Estate Broker, Saint-Jérôme, 84/100, confirmed by the professional); 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); Patrick Dorval (Appraiser, Saint-Jean-sur-Richelieu, 76/100, confirmed by the professional)
- **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**: Jean-François Chamberland (Real Estate Broker, Brossard, 90/100, confirmed by the professional); 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)
- **Brantford**: Terry Summerhays (Real Estate Broker, Brantford, 86/100); Amelia McLeod (Mortgage Broker, Brantford, 86/100, confirmed by the professional); Wendy Newton (Real Estate Lawyer, Brantford, 83/100)
- **Waterloo**: Rodney MacGillivray (Home Inspector, Waterloo, 87/100); Don Travers (Real Estate Lawyer, Waterloo, 87/100); Mike Milovick (Real Estate Broker, Waterloo, 83/100, confirmed by the professional); Jim Steffler (Mortgage Broker, Waterloo, 80/100, confirmed by the professional)

## 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.