Suzanne Girard
Suzanne Girard

Via-Protections

HOMEBUYER PROTECTION

Exclusive to Via Capitale, this protection is offered free of charge to buyers by participating brokers. Ask your broker or check out their page on our website.

Homebuyer protection covers the buyer by paying the costs of repairs following a malfunction or sudden breakdown in the appliances, and the plumbing, electrical, heating, ventilation and air conditioning systems and equipment.

Your coverage

  • The protection takes effect on the signature date of the notarized deed of sale and applies for a 12-month period.
  • The appliances, systems and equipment located within the perimeter of the main building and annexed heated garage and the heat pump, even it if is located outside of the said perimeter, are covered by this protection up to a maximum of $1,000 per claim.
  • A deductible of $100 per claim applies.

This protection also provides access to a free legal assistance service.

*Certain terms and conditions apply.

To be eligible*

The buyer must have acquired the property through a Via Capitale real estate broker participating in the Homebuyer Protection program.

Building with a maximum of 4 units, strictly residential, suitable for year-round occupancy, the subject of a sales transaction worth over $75,000.

* New buildings, immovable properties sold under judicial authority or repossessions, properties left unoccupied for more than 90 days as well as those sold without legal warranty are all excluded.

Simulation

You move into your new home at the beginning of July in a heatwave. You quickly realize that not only is the wall air conditioning system not providing the cool air you were expecting, but rather it only appears to produce heat. You will be relieved to be able to count on your Via Capitale Homebuyer protection to have a qualified repair person referred to you immediately.

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MORTGAGE PROTECTION

In case of loss of employment or accidental death, in the first 12 months of your acquisition, get reimbursed for up to a maximum of $25,000 in mortgage payments. Even monthly condominium fees are covered! Ask your broker or check out their page on our website.

How to benefit from Mortgage Protection:

  • buy your property through a Via Capitale broker,
  • obtain your mortgage loan through a representative from one of the financial institutions approved by Via Capitale.

Additional benefits of our financing solutions

  • a “customized” mortgage loan, at among the best conditions and rates on the market,
  • a single window concept to buy and finance your property,
  • the possibility to obtain a preapproved mortgage at no charge to lock in the mortgage rate, shop for properties that fit your budget and present a strong purchase offer to the seller.

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HOMEOWNER PROTECTION

Homeowner Protection is a free program that protects the seller against failure by promisor-buyers to conclude the sale. This protection also gives access to a free legal assistance service. Once all the conditions of the promise to purchase are met, except for the signing of the deed of sale, in the event that the promisor-buyers are late following up on or withdraw from the promise to purchase, the eligible beneficiaries will be reimbursed for reasonable losses, disbursements and temporary living expenses. Ask your broker or check out their page on our website.

Homeowner Protection protects the seller against the promisor-buyers failure to conclude the sale.

Once all the conditions of the promise to purchase are met, except for the signing of the deed of sale, in the event that the promisor-buyers are late following up on or withdraw from the promise to purchase, the eligible beneficiaries will be reimbursed for reasonable losses, disbursements and temporary living expenses. The death or total disability of one of the promisor-buyers after all conditions have been met, except for the signing of the deed of sale, will be considered to be a withdrawal that makes the selling-owners eligible for Homeowner Protection.

This protection also gives you access to a free legal assistance service.

Eligibility

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LEGAL ASSISTANCE

Because your broker participates in Homebuyer Protection or in Homeowner Protection, you automatically benefit from free legal assistance for questions on: family, work, civil liability, bankruptcy, wills and estates, business, corporate, real estate, small claims, consumer protection, neighbourhood disputes, housing, municipal, health, travel.

  • Free Assistance for 12 months
  • No time limit on calls
  • No call limit
  • Confidential and bilingual service
  • Call returned by a lawyer within 48 hours.

Legal information is provided by phone by lawyers working for FBA Consulting Group.

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