Mortgage Financing

No need to go from bank to bank or from caisse to trust company looking for the best mortgage rate.

Every year, Via Capitale brokers initiate loans totalling several hundreds of millions of dollars. This is a negotiating tool that can work in your favour! Your Via Capitale broker can refer you to a mortgage broker who can offer you the best rate¹.

Thanks to special agreements with Via Capitale, some lending institutions offer personalised service to our customers, such as:

guaranteed interest rate;
interest reimbursement;
pre-authorised loan;
free evaluation up to an amount of 300$ (certain conditions apply);
admissibility to seasonal promotions;
etc.

Our lending institutions

Desjardins ;
Laurentian Bank ;
National Bank ;

ALSO, when you get your mortgage through a broker associated with Via Capitale and you buy your home through a Via Capitale broker you automatically receive the mortgage protection that covers your mortgage payments, for free...

Specially designed for the buyer, the mortgage protection is the best protection on the real estate market. In the case of loss of employment or death, Via Capitale agrees to make your mortgage payments (capital and interest) for up to $25,000 without any reimbursement on your part! Even monthly condominium fees are covered! The mortgage protection covers up to 12 months from the date of signature of the deed of sale.

Mortgage loan calculator

Information about the Home Buyer's Plan (HPB)

Need financing?

* Purchase

* Refinance your mortgage

Via Capitale has negotiated with many large financial institutions to offer mortgage loans that will allow you to obtain substantial savings while offering the flexibility you are seeking from a mortgage loan. In addition, you will benefit from the services and free professional advice of the representative of the selected financial institution.

You can benefit from the mortgage advantages negotiated by Via Capitale and if you let a Via Capitale broker help you at no charge to you, in addition to numerous other advantages, you could benefit from the Mortgage Payments Protection, which offers up to $25,000 in protection in case of job loss or death.

Mortgage products are:

9 MONTH FREE mortgage *	3.24 % mortgage
Term: 7 years/posted rate Amortization: 25 years Evaluation fees: Paid up to $300 Maximum rebate: $25,000 Conditions: 1 to 4 units, owner occupant; Procedure: Cash remittance equivalent to 9 months of payments (principal and interest) when mortgage loan disbursed. * A cheque totalling 9 months of payment is remitted to the buyer, wich he can use as he pleases to renovate or cover. Duration of the promotion: until August 31, 2013. Mortgage loan calculator Fill in a requisition	Term: 5 years Amortization: 15 to 30 years (CMHC insured loans only). Evaluation fees: Paid up to $300 Maximum rebate: 750$ Conditions: 1 to 4 units, owner occupied, mortgage of 150 000$ and more; Procedure: Mortgage will have to be disbursed in the 45 days fallowing acceptation of the request. Mortgage loan calculator Fill in a requisition
3.05% mortgage rate
Term: 5 years / 2-year fixed Amortization: Maximum 25 years for a conventional loan and 30 years for a insured loan Evaluation fees: Covered up to $300 Maximum rebate: $1000 or notary fees Conditions: 8 or fewer rental units, owner-occupied Procedure: Combined loan (a 48 month loan and a 24 month loan). These rates are subject to change without prior notice. Mortgage loan calculator Fill in a requisition

Notice: these are four sample loans that we have negotiated for you. A mortgage representative will be pleased to inform you about the other types of loans available from their institution suitable to your situation.