Disposition Analysis

What Would a Sale Actually Net You?

Selling costs, mortgage payout, prepayment penalty, capital gains tax, and CCA recapture — down to the number that lands in your account.

Sale Scenario
Typically 3 months’ interest or IRD — your lender can quote this; enter an estimate.
Tax Profile
The land/building split. Land isn’t depreciable, so only the building portion carries CCA recapture.
On your T776 / corporate schedules — if unsure, your accountant has this number.
Defaults to Ontario’s top combined marginal rate — edit to yours.
MR McKinney Realty — Disposition Analysis
Results

From sale price to your account.

These figures are illustrations based on the assumptions you entered and generalized program parameters. They are not a projection, a guarantee, financing advice, tax advice, or a recommendation to buy or sell. CMHC program criteria, lending terms, and tax rules change and depend on your specific circumstances. Tax calculations are simplified estimates — corporate tax treatment in particular (refundable tax, capital dividend account) requires professional advice. Consult your lender, accountant, and legal counsel. McKinney Realty — Liam McKinney, Broker, Property.ca Inc., Brokerage · Sean McKinney, Broker of Record, RE/MAX Quinte Ltd., Brokerage.
Estimated Net to Vendor
If You Held Instead
An assumption, not a forecast.
An assumption, not a forecast.
An assumption, not a forecast.
Net Proceeds Today
After selling costs, mortgage payout, penalty, and estimated tax.
Estimated Equity in 5 Years

Two numbers to discuss with your advisors.

These figures are illustrations based on user-entered assumptions and generalized program parameters — not a projection, guarantee, financing advice, tax advice, or a recommendation to buy or sell. Tax calculations are simplified estimates; corporate treatment (refundable tax, capital dividend account) requires professional advice.
Liam McKinney, Broker, Property.ca Inc., Brokerage · Sean McKinney, Broker of Record, RE/MAX Quinte Ltd., Brokerage · mckinneyrealty.ca

The number above is not fixed. It is a function of decisions — most of which must be made before the listing.

Whether a sale proceeds as an asset sale or a share sale. How the purchase price is allocated between land and building. Whether capital cost allowance is claimed in the final year. Whether corporate proceeds flow through the capital dividend account. Each of these moves the net figure — sometimes by more than a price negotiation would.

This is why we treat disposition as an advisory engagement that begins months before a property reaches the market, working alongside your accountant and counsel rather than around them. The commission is the same either way. The net to you is not.

Book a pre-sale consultation