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Marilyn Gosselin

Mortgage broker · Multi-Prêts · Thetford Mines

Marilyn Gosselin is a mortgage broker with Multi-Prêts in Thetford Mines, Quebec, holding AMF licence no. 216833 (verifiable on the AMF register), serving Thetford Mines, Plessisville, Victoriaville, Drummondville and Trois-Rivières since April 2023.

Call · (418) 334-2148 Send an email Website ↗

Calculate for Thetford Mines: buy or sell

Buy

Land transfer tax, down payment and mortgage in Thetford Mines

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

Purchase price in $

Down payment in $

First-time buyer

Droits de mutation (grille de base 2026)$1,523

First-time buyer rebatetick “first-time buyer”

Tax to pay$1,523

Minimum down payment (federal rule)$9,185

Mortgage insurance premium (added to the loan)none (20% or more)

Mortgage$146,700

Monthly payment, 25 years at 4.58%$818

Household income needed (stress test)$40,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (August 2026); your lender will set its own. Income needed: 6.58% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Thetford Mines as everywhere in Canada (Income Tax Act).

Sale price in $

Purchase price in $

Capital gain$100,000

Your principal residence (designated every year)$0 taxable

Other property (cottage, rental): taxable amount$50,000

Land transfer tax$0 — paid by the buyer

Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

An address in Thetford Mines or elsewhere: its assessed value

Enter an address in Quebec: assessed value, rank among similar properties, welcome tax at your price and known risks by year of construction.

Payotte stores neither the address nor the results. Values come from public rolls; they are tied to no owner name.

A question about these figures or an address? Marilyn Gosselin can answer.

Call · (418) 334-2148 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 216833 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Multi-Prêts
Office: 299, boul. Frontenac Ouest, Thetford Mines (Québec) G6G 6K2
Areas served: Thetford Mines, Plessisville, Victoriaville, Drummondville, Trois-Rivières Declared in writing.
Services: Refinancing, First purchase, Reverse mortgage Declared in writing.
Languages: French Declared in writing.
Practising since: April 2023 Declared in writing. No Quebec register publishes this date.
Google profile: See on Google Maps ↗

Information confirmed in writing, in French, by Marilyn Gosselin on October 29, 2026; English translation by Payotte. Page updated on October 30, 2026.

In their own words (in French)

Advice to clients and clients helped, in their own words

« Je dis souvent à mes clients qu'une hypothèque, c'est bien plus qu'un taux : elle doit respecter leur budget et s'adapter à leurs projets de vie. J'accompagne les acheteurs et les propriétaires pour leur achat, leur renouvellement ou leur refinancement, y compris lorsque leur crédit ou leur situation rend le financement plus difficile. »

Marilyn Gosselin, written answer of October 29, 2026. Published word for word, in the original French.

Buying or selling in Thetford Mines: the figures

In Thetford Mines, the median value of a single-dwelling property (single-family house or condo) is $183,700 on the 2025-2027 assessment roll, across 7,957 units.
Thetford Mines's roll values reflect the market as of July 1, 2023: they are not current sale prices.
The welcome tax on a $183,700 purchase in Thetford Mines is $1,523 under Quebec's base schedule.
Thetford Mines's assessment roll applies to 2025, 2026 and 2027; the next roll takes effect in 2028.
To contest the current roll's assessment, the review request had to be filed before April 30, 2025, unless extended (late assessment notice); the next window closes on April 30, 2028.

Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec, CC BY 4.0). Payotte calculations. Understanding property assessment →

Frequently asked questions

Is Marilyn Gosselin's licence valid?

Marilyn Gosselin declares AMF licence no. 216833, attached to the agency Multi-Prêts. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Marilyn Gosselin serve?

Thetford Mines, Plessisville, Victoriaville, Drummondville and Trois-Rivières, according to Marilyn Gosselin's written statement of October 29, 2026. The office is located at 299, boul. Frontenac Ouest, Thetford Mines (Québec) G6G 6K2.

What services does Marilyn Gosselin offer?

Refinancing, First purchase and Reverse mortgage, as a mortgage broker. Language of service: French.

How long has Marilyn Gosselin been practising?

Since April 2023, according to Marilyn Gosselin's written statement. No Quebec register publishes the date a broker started practising: that date can only come from the professional.

What is the median property value in Thetford Mines?

On Thetford Mines's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $183,700, across 7,957 units. These values reflect the market as of July 1, 2023, the roll's reference date, not today's sale prices. Source: Quebec property assessment rolls, Ministère des Affaires municipales et de l'Habitation (Données Québec).

How much is the welcome tax on a $183,700 property in Thetford Mines?

$1,523, under Quebec's current base schedule (0.5% up to $62,900, 1% up to $315,000, 1.5% above). The tax is computed on the highest of the price paid, the consideration and the assessed value multiplied by the municipality's comparative factor.

How can I reach Marilyn Gosselin?

Marilyn Gosselin can be reached by phone at (418) 334-2148 or by email at mgosselin@multi-prets.ca. Services are offered in French. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

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