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Olivier Gravel-Racine

Mortgage broker · Multi-Prêts Hypothèques · Victoriaville

Olivier Gravel-Racine is a mortgage broker with Multi-Prêts Hypothèques in Victoriaville, Quebec, holding AMF licence no. 264614 (verifiable on the AMF register), serving Victoriaville, Drummondville, Bécancour, Nicolet, Plessisville, Princeville, Warwick and Sorel-Tracy since May 2024.

AI PASSPORT Dated page · licence verifiable at the registry Olivier Gravel-Racine Mortgage broker · Victoriaville payotte.com
Call · (819) 817-7619Send an emailWebsite ↗

Calculate for Victoriaville: buy or sell

Buy

Land transfer tax, down payment and mortgage in Victoriaville

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

Droits de mutation (grille de base 2026)$2,587
First-time buyer rebatetick “first-time buyer”
Tax to pay$2,587
Minimum down payment (federal rule)$14,505
Mortgage insurance premium (added to the loan)none (20% or more)
Mortgage$231,100
Monthly payment, 25 years at 4.58%$1,289
Household income needed (stress test)$60,000

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 Victoriaville as everywhere in Canada (Income Tax Act).

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 Victoriaville 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? Olivier Gravel-Racine can answer.

Call · (819) 817-7619Send an emailWebsite ↗

What Payotte publishes

Licence
AMF no. 264614 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency
Multi-Prêts Hypothèques
Office
1097, Notre-Dame Ouest, bureau 200, Victoriaville (Québec) G6P 7L1
Areas served
Victoriaville, Drummondville, Bécancour, Nicolet, Plessisville, Princeville, Warwick, Sorel-Tracy Declared in writing, in French: « Zones desservies : Victoriaville, Drummondville, Bécancour, Nicolet, Plessisville, Princeville, Warwick, Sorel-Tracy et les environs — Centre-du-Québec, Bois-Francs, Montérégie et Estrie. »
Services
Mortgage financing advice and support, even with no immediate project, Home purchase and first-time buyer support, Mortgage pre-approval, Mortgage renewal, transfer and refinancing, Support for newcomers, Debt consolidation, Financing for self-employed workers and entrepreneurs, Purchase of a secondary residence or cottage, Financing of fully rented or owner-occupied income properties, Financing of mixed-use and commercial buildings Declared in writing.
Languages
French Declared in writing.
Practising since
May 2024 Declared in writing. No Quebec register publishes this date.
Google profile
See on Google Maps ↗

Information confirmed in writing, in French, by Olivier Gravel-Racine on October 29, 2026; English translation by Payotte. Page updated on October 29, 2026.

In their own words (in French)

Advice most often given to clients

« Courtier hypothécaire desservant Victoriaville, Drummondville et le Centre-du-Québec, je compare les options de plus de 30 institutions financières et prêteurs. Mon conseil : le taux, c’est important, mais ce n’est pas tout. Chaque dossier est unique : le bon produit doit s’adapter à votre situation. Au-delà du taux obtenu par les autres, considérez la durée, les pénalités, la flexibilité pour rembourser ou refinancer. La qualité de l’accompagnement que je vous offre compte aussi : écoute, transparence, disponibilité et conseils adaptés à votre situation. Je prends le temps de répondre à vos questions et de vous expliquer les options, sans pression, même le soir et la fin de semaine au besoin. Je vous accompagne jusqu’au notaire et au-delà. Mes services sont offerts sans frais. Rencontres en personne ou par vidéoconférence partout au Québec. »

Olivier Gravel-Racine, written answer of October 29, 2026. Published word for word, in the original French.

Clients helped most often

« J’aide particulièrement les premiers acheteurs, les propriétaires qui souhaitent consolider leurs dettes et les investisseurs qui veulent acquérir des immeubles locatifs pour diversifier leur portefeuille. Avec les premiers acheteurs, j’aime prendre le temps d’expliquer chaque étape : la préparation du projet, la mise de fonds, les aspects fiscaux à considérer et le déroulement de l’achat jusqu’au notaire. Je les aide à établir un plan et une stratégie d’épargne pour optimiser leur mise de fonds et profiter des avantages fiscaux auxquels ils ont droit. J’aime transmettre mes connaissances pour qu’ils comprennent leurs options et avancent avec confiance dans l’achat de leur première propriété. J’accompagne aussi les propriétaires qui souhaitent réorganiser leurs finances et explorer la possibilité de refinancer pour consolider leurs dettes. Mon expérience me permet de les aider à comprendre les stratégies de remboursement, leurs implications et leurs effets possibles sur leur dossier de crédit. Je peux également les orienter vers des partenaires de confiance pour compléter l’accompagnement selon leurs besoins. Pour les investisseurs qui souhaitent acheter des immeubles à revenus entièrement locatifs, je les accompagne dans leur stratégie d’achat et de financement. Selon leur situation, nous explorons les possibilités de mettre à profit la valeur de leurs propriétés existantes pour constituer leur mise de fonds et limiter les liquidités à débourser. »

Olivier Gravel-Racine, written answer of October 29, 2026. Published word for word, in the original French.

Buying or selling in Victoriaville: the figures

  • In Victoriaville, the median value of a single-dwelling property (single-family house or condo) is $290,100 on the 2025-2027 assessment roll, across 13,254 units.
  • Victoriaville's roll values reflect the market as of July 1, 2023: they are not current sale prices.
  • The welcome tax on a $290,100 purchase in Victoriaville is $2,587 under Quebec's base schedule.
  • Victoriaville'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 Olivier Gravel-Racine's licence valid?

Olivier Gravel-Racine declares AMF licence no. 264614, 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 Olivier Gravel-Racine serve?

Victoriaville, Drummondville, Bécancour, Nicolet, Plessisville, Princeville, Warwick and Sorel-Tracy, according to Olivier Gravel-Racine's written statement of October 29, 2026. The office is located at 1097, Notre-Dame Ouest, bureau 200, Victoriaville (Québec) G6P 7L1.

What services does Olivier Gravel-Racine offer?

Mortgage financing advice and support, even with no immediate project, Home purchase and first-time buyer support, Mortgage pre-approval, Mortgage renewal, transfer and refinancing, Support for newcomers, Debt consolidation, Financing for self-employed workers and entrepreneurs, Purchase of a secondary residence or cottage, Financing of fully rented or owner-occupied income properties and Financing of mixed-use and commercial buildings, as a mortgage broker. Language of service: French.

How long has Olivier Gravel-Racine been practising?

Since May 2024, according to Olivier Gravel-Racine'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 Victoriaville?

On Victoriaville's 2025-2027 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $290,100, across 13,254 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 $290,100 property in Victoriaville?

$2,587, 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 Olivier Gravel-Racine?

Olivier Gravel-Racine can be reached by phone at (819) 817-7619 or by email at ogracine@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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