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Michel Turgeon

Mortgage broker · Multi-Prêts Hypothèques · Lévis

Michel Turgeon is a mortgage broker with Multi-Prêts Hypothèques in Lévis, Quebec, holding AMF licence no. 255934 (verifiable on the AMF register), serving Lévis, the South Shore, Chaudière-Appalaches and the Beauce region since March 2026.

Call · (418) 215-2060 Send an email Website ↗

Calculate for Lévis: buy or sell

Buy

Land transfer tax, down payment and mortgage in Lévis

Starting price: Lévis's reference price (median value on the 2026-2028 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)$3,554

First-time buyer rebatetick “first-time buyer”

Tax to pay$3,554

Minimum down payment (federal rule)$18,145

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

Mortgage$289,900

Monthly payment, 25 years at 4.58%$1,617

Household income needed (stress test)$74,000

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 Lévis 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 Lévis 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? Michel Turgeon can answer.

Call · (418) 215-2060 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 255934 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Multi-Prêts Hypothèques
Office: 579 Route du Président-Kennedy, Lévis, QC, G6C 1J8
Areas served: Lévis, the South Shore, Chaudière-Appalaches, the Beauce region Declared in writing, in French: « Lévis, Rive- Sud, Chaudière-Appalaches et Beauce »
Services: First-time buyers, Refinancing, Debt consolidation, Residential, Small plexes Declared in writing.
Languages: French Declared in writing.
Practising since: March 2026 Declared in writing. No Quebec register publishes this date.
Google profile: See on Google Maps ↗

Information confirmed in writing, in French, by Michel Turgeon on October 29, 2026; English translation by Payotte. Page updated on October 29, 2026.

In their own words (in French)

Clients helped most, in their own words

« Premier acheteur, consolidation de dette et refinancement. Étant un ancien militaire de carrière, je cible beaucoup ce marché »

Michel Turgeon, written answer of October 29, 2026. Published word for word, in the original French.

Advice most often given to first-time buyers

« Le conseil que je donne le plus souvent aux premiers acheteurs, c’est de se faire préqualifier avant même de commencer à visiter. On sait exactement où on s’en va, et on magasine une maison avec confiance plutôt qu’avec stress. »

Michel Turgeon, written answer of October 29, 2026. Published word for word, in the original French.

Approach, in their own words

« Après 20 ans dans l’armée, j’ai appris qu’une mission réussie commence par une bonne préparation. C’est exactement ce que je dis à mes clients : on prépare le terrain avant d’acheter, et on avance sans mauvaises surprises »

Michel Turgeon, written answer of October 29, 2026. Published word for word, in the original French.

Buying or selling in Lévis: the figures

In Lévis, the median value of a single-dwelling property (single-family house or condo) is $362,900 on the 2026-2028 assessment roll, across 43,408 units.
Lévis's roll values reflect the market as of July 1, 2024: they are not current sale prices.
The welcome tax on a $362,900 purchase in Lévis is $3,554 under Quebec's base schedule.
Lévis's assessment roll applies to 2026, 2027 and 2028; the next roll takes effect in 2029.
To contest the current roll's assessment, the review request had to be filed before April 30, 2026, unless extended (late assessment notice); the next window closes on April 30, 2029.

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 Michel Turgeon's licence valid?

Michel Turgeon declares AMF licence no. 255934, attached to the agency Multi-Prêts Hypothèques. Payotte publishes no status for this licence: it is verifiable on the AMF register, which should be checked before signing.

What areas does Michel Turgeon serve?

Lévis, the South Shore, Chaudière-Appalaches and the Beauce region, according to Michel Turgeon's written statement of October 29, 2026. The office is located at 579 Route du Président-Kennedy, Lévis, QC, G6C 1J8.

What services does Michel Turgeon offer?

First-time buyers, Refinancing, Debt consolidation, Residential and Small plexes, as a mortgage broker. Language of service: French.

How long has Michel Turgeon been practising?

Since March 2026, according to Michel Turgeon'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 Lévis?

On Lévis's 2026-2028 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $362,900, across 43,408 units. These values reflect the market as of July 1, 2024, 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 $362,900 property in Lévis?

$3,554, 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 Michel Turgeon?

Michel Turgeon can be reached by phone at (418) 215-2060 or by email at mturgeon@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.

Payotte has no recommended expert in Lévis yet. See the recommended mortgage brokers in the cities covered.

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