RENAUD LAFLEUR

Why Work With Me?

I am a residential real estate broker with an honest, transparent, and thoughtful approach. I analyze every property from a buyer’s perspective, looking at both its strengths and potential weaknesses so my clients can make informed decisions and protect their interests.

My role is to guide you through every step of your transaction, from our first meeting to the signing at the notary’s office, with availability, attention to detail, and clear communication.

By working with me and Via Capitale, you may also qualify for the Via Protections, free of charge, subject to the applicable eligibility criteria.

Homeowner Protection — For Sellers

This protection may apply when an eligible seller has accepted a promise to purchase whose conditions have been fulfilled, but the buyer:

• delays the signing of the deed of sale;

• withdraws from the transaction;

• dies accidentally;

• becomes incapacitated.

It may cover certain expenses incurred on the property as well as part of the difference in selling price if the property must be resold.

Maximum benefit: $25,000.

No deductible is payable by the seller.

Coverage begins on the 15th day following the scheduled signing date of the deed of sale and may remain in effect for up to 180 days or until the property is resold, whichever comes first.

The property must generally:

• contain no more than 4 units;

• include at least one owner-occupied unit;

• be used strictly for residential purposes;

• be suitable for year-round occupancy;

• have been the subject of a promise to purchase exceeding $75,000.

Certain properties are excluded, including newly built properties, certain judicial sales, mortgage repossessions, and properties that have been vacant for more than 90 days.

Mortgage Protection — For Buyers

Mortgage Protection may apply in the event of an unexpected job loss or accidental death of an eligible buyer.

It may cover mortgage payments and, in certain cases involving job loss, condominium common expenses.

Maximum benefit: $25,000.

Coverage begins on the date the deed of sale is signed and may remain in effect for up to 12 months.

For certain job-loss claims, the buyer must generally have worked full-time, meaning more than 30 hours per week, for the 12 consecutive months immediately preceding the loss of employment.

The property must generally contain no more than 4 units, be used for residential purposes, and have been the subject of a promise to purchase exceeding $75,000.

Additional conditions may apply, including requirements related to mortgage financing through a financial institution partnered with Via Capitale.

Home Protection — For Buyers

Home Protection may apply when a sudden breakdown, failure, or unexpected malfunction requires the repair of certain eligible appliances or systems.

It may cover, among other things:

• certain appliances included in the sale;

• electrical systems;

• plumbing;

• heating systems;

• ventilation;

• air conditioning;

• certain components related to a heat pump.

The appliances and systems must be in good working order at the time the deed of sale is signed.

Coverage may provide reimbursement of up to $1,000 per claim, taxes included, to a maximum of $10,000 per coverage period.

A $100 deductible per claim applies.

Coverage begins on the date the deed of sale is signed and may remain in effect for up to 12 months.

Certain properties are excluded, including newly built properties, certain judicial sales, mortgage repossessions, properties that have been vacant for more than 90 days, and properties sold without legal warranty.

Legal Assistance — For Buyers and Sellers

Eligible clients may also benefit from a telephone-based Legal Assistance service that provides legal information from a lawyer regarding a variety of personal legal matters, including:

• hidden defects;

• contracts;

• neighbourhood disputes;

• housing matters;

• wills;

• taxes;

• family law;

• consumer law;

• employment law.

The service includes:

• an unlimited number of calls;

• no time limit per call;

• confidential and bilingual service;

• a callback from a lawyer with at least 5 years of experience, generally within 48 hours.

The service is available Monday through Friday, from 9:00 a.m. to 6:00 p.m.

For eligible buyers, Legal Assistance may be available for 12 months following the signing of the deed of sale. Specific terms apply to sellers.

Beyond the protections offered, I am committed to analyzing every property with the same care and attention I would use if I were the buyer myself, clearly explaining each stage of the transaction, and defending your interests throughout the negotiation process.

I can also rely on a network of professionals and contacts in the real estate and renovation industries to better support my clients before, during, and after their transaction.

My goal: to help you make informed real estate decisions and move through your transaction with confidence.

The information above is a summary of the Via Protections program. Eligibility requirements, restrictions, limitations, and exclusions apply. Via Capitale’s official Via Protections terms and conditions prevail at all times.