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Samuel Lessard

Mortgage broker · Multi-Prêts Hypothèques · Drummondville

Samuel Lessard is a mortgage broker with Multi-Prêts Hypothèques in Drummondville, Quebec, holding AMF licence no. 274363 (verifiable on the AMF register), serving Drummondville and the Drummondville area since January 2026.

Call · 450 558-6332 Send an email Website ↗

Calculate for Drummondville: buy or sell

Buy

Land transfer tax, down payment and mortgage in Drummondville

Starting price: Drummondville's reference price (median value on the 2024-2026 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)$2,817

First-time buyer rebatetick “first-time buyer”

Tax to pay$2,817

Minimum down payment (federal rule)$15,655

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

Mortgage$250,100

Monthly payment, 25 years at 4.58%$1,395

Household income needed (stress test)$65,000

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 Drummondville 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 Drummondville 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? Samuel Lessard can answer.

Call · 450 558-6332 Send an email Website ↗

What Payotte publishes

Licence: AMF no. 274363 ↗ Verifiable on the AMF register (link): status, agency and disciplinary record.
Agency: Multi-Prêts Hypothèques
Office: 111, rue Brock, bureau 106, Drummondville (Québec) J2C 1L7
Areas served: Drummondville, the Drummondville area Declared in writing, in French: « Tout Drummondville et environs »
Services: Purchase, Refinancing, Plexes Declared in writing.
Practising since: January 2026 Declared in writing. No Quebec register publishes this date.

Information confirmed in writing, in French, by Samuel Lessard on November 3, 2026; English translation by Payotte. Page updated on November 3, 2026.

In their own words

His introduction, in his own words

“My name is Samuel Lessard, a residential mortgage broker specializing in plexes. I have owned income properties for more than 11 years, so I know the market’s challenges first-hand: cash flow, refinancing, ratios, renovations and growing a portfolio. My goal is simple: to offer realistic, effective financing solutions to investors. But I still do all kinds of loans: purchases, refinancing, debt consolidation, alternative lenders, salaried and self-employed borrowers.”

Samuel Lessard, written answer of November 3, 2026, in French; English translation by Payotte.

Original in French

« Je m’appelle Samuel Lessard, courtier hypothécaire résidentiel spécialisé dans les plex. Propriétaire d’immeubles à revenus depuis plus de 11 ans, je connais concrètement les défis du marché : cashflow, refinancement, ratios, travaux et croissance du parc immobilier. Mon objectif est simple : offrir des solutions de financement réalistes et efficaces aux investisseurs.Mais je fais quand même toutes sortes de prêts : achat-refinancement-consolidation de dettes-prêteurs alternatifs-salariés-travailleurs autonomes. »

Buying or selling in Drummondville: the figures

In Drummondville, the median value of a single-dwelling property (single-family house or condo) is $313,100 on the 2024-2026 assessment roll, across 19,783 units.
Drummondville's roll values reflect the market as of July 1, 2022: they are not current sale prices.
The welcome tax on a $313,100 purchase in Drummondville is $2,817 under Quebec's base schedule.
Drummondville's assessment roll applies to 2024, 2025 and 2026; the next roll takes effect in 2027.
To contest the current roll's assessment, the review request had to be filed before April 30, 2024, unless extended (late assessment notice); the next window closes on April 30, 2027.

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 Samuel Lessard's licence valid?

Samuel Lessard declares AMF licence no. 274363, 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 Samuel Lessard serve?

Drummondville and the Drummondville area, according to Samuel Lessard's written statement of November 3, 2026. The office is located at 111, rue Brock, bureau 106, Drummondville (Québec) J2C 1L7.

What services does Samuel Lessard offer?

Purchase, Refinancing and Plexes, as a mortgage broker.

How long has Samuel Lessard been practising?

Since January 2026, according to Samuel Lessard'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 Drummondville?

On Drummondville's 2024-2026 assessment roll, the median value of a single-dwelling property (single-family house or condo) is $313,100, across 19,783 units. These values reflect the market as of July 1, 2022, 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 $313,100 property in Drummondville?

$2,817, 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 Samuel Lessard?

Samuel Lessard can be reached by phone at 450 558-6332 or by email at samuel.lessard@multi-prets.ca. 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.

In Drummondville, Payotte also recommends mortgage brokers by area: see the experts in Drummondville.

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