Via Capitale is the first real estate banner in Quebec to have put in place a protections program aimed at supporting clients during difficult times. The Via Protections program includes three types of protections as well as legal assistance telephone services that are offered to purchasing and selling clients by participating Via Capitale brokers.

HOMEOWNER PROTECTION

Imagine what Homeowner Protection could do for you!

You have accepted a promise to purchase on your property for $300,000. Following the death of the buyer, the buyer's estate is not interested in acquiring the property. You put the property back on the market and after multiple negotiations, the offer received is of $290,000. The difference in selling price of $10,000 and various costs incurred can be paid to you by Via Capitale.

What does Homeowner Protection consist of?

Homeowner Protection protects the seller who, after accepting a promise to purchase whose conditions have been fulfilled, and who has or will soon take possession of his new home, is faced with a situation where the buyer:

• Delays the signing of the deed of sale
• Withdraws from the promise to purchase
• Passes away accidentally
• Becomes unfit

Homeowner Protection provides reimbursement of several costs incurred on the property as well as compensation for the sale price differential. Maximum compensation is $25,000.

In addition, the seller does not need to pay a deductible: another market exclusive

Owner Protection takes effect on the 15th day after the date the deed of sale is signed and is offered for a maximum of 180 days or until the date of resale of the home, whichever occurs first.

What are the eligibility requirements? *

The owner-seller must be a natural person occupying the building or an estate or a curate and be under brokerage contract at all times for the sale of his home with a participating Via Capitale broker.

The building must consist of a maximum of 4 units, at least one of which is occupied by the owner, used strictly and entirely for residential purposes, inhabitable year-round and subject to a promise to purchase of over $75,000.

New buildings, buildings subject to a judicially controlled sale or mortgage repossessions, as well as buildings that have been vacant for over 90 days are excluded.

*The information contained on this website is not a contract and is only an overview of our Homeowner Protection. Eligibility requirements apply, as well as restrictions and exclusions. To know more about all the conditions, definitions, limitations and exclusions or to make a claim, please contact the program administrator by phone at 1-877-491-2433 or email [email protected]

MORTGAGE PROTECTION

AN EXCLUSIVE Via Capitale PROTECTION FOR BUYERS IN CASE OF LOSS OF EMPLYMENT OR ACCIDENTAL DEATH

Imagine what Mortgage Protection could do for you!

After working at the same company for five years, you suddenly lose your permanent job and you find yourself without any financial resources other than your employment insurance. You will be able to quickly begin your job search knowing that your mortgage payments and, if applicable, your common condo fees, are covered by your mortgage protection.

A protection that allows you to purchase your new home with peace of mind!

What does Mortgage Protection consist of?

Mortgage Protection is available free of charge to buyers who have:

• Purchased a property through a Via Capitale broker
• Contracted their mortgage for a fixed term with one of Via Capitale's partnering financial institutions.

Mortgage protection takes effect when the buyer:

• Becomes unexpectedly unemployed (position abolishment, business closure, wrongful dismissal)
• Passes away accidentally

Mortgage Protection refunds mortgage payments. In the case of a job loss, it also covers common condo fees. The maximum compensation is of $25,000.

Mortgage Protection takes effect on the day the deed of sale is signed and is available for up to 12 months.

What are the eligibility requirements? *

In the case of a job loss, the owner must have been employed full-time (more than 30 hours per week) for the last 12 consecutive months.

The building must consist of a maximum of 4 units, at least one of which is occupied by the owner, used strictly and entirely for residential purposes and subject to a promise to purchase of over $75,000.

New buildings are excluded.

The information contained on this website is not a contract and is only an overview of our Mortgage Protection. Eligibility requirements, as well as restrictions and exclusions apply. To know more about all the conditions, definitions, limitations and exclusions or to make a claim, please contact the program administrator by phone at 1-877-491-2433.

HOMEBUYER PROTECTION

EXCLUSIVE Via Capitale PROTECTION FOR BUYERS FOR DEVICES AND SYSTEMS WITHIN THE BUILDING

Imagine what Homebuyer Protection could do for you!

You are moving into your new home at the beginning of July, in the middle of a heat wave. You quickly notice that the central air conditioning system is no longer providing you with the coolness you expected, and seems to be emitting nothing but heat. You will be relieved to be able to count on your Via Capitale Homeowner Protection to be referred to a qualified repairman who will fix this for you without delay.

What does Homebuyer protection consist of?

Homebuyer Protection is available to buyers who have purchased a property through a participating Via Capitale broker. It applies in the event of sudden breakage, breakdown or unexpected default that requires repair:

• Household appliances included in the sale (stove, range hood, dishwasher, etc.)
• Electrical, plumbing, heating, ventilation and air conditioning systems located inside the main residence, in the heated garage or as part of the heat pump. **

Note: Devices and systems and their equipment must be in good working condition on the date the deed of sale is signed.

Homebuyer Protection covers repair costs up to $1,000 per claim (taxes included) and a maximum of $10,000 per coverage period. A deductible of $100 per claim applies.

Homebuyer Protection takes effect on the day the deed of sale is signed and is available for up to 12 months.

What are the eligibility requirements? *

The building must consist of a maximum of 4 units, used strictly and entirely for residential purposes, inhabitable year-round and subject to a promise to purchase of over $75,000.

New buildings, buildings subject to a judicially controlled sale or mortgage repossessions, vacant buildings that have been vacant for over 90 days and buildings sold without legal guarantee are excluded.

The information contained on this website is not a contract and is only an overview of Homebuyer Protection. Eligibility requirements, as well as restrictions and exclusions apply. To know more about all the conditions, definitions, limitations and exclusions or to make a claim, please contact the program administrator by phone at 1-877-491-2433.

LEGAL ASSISTANCE

LEGAL ASSISTANCE: A USEFUL TOOL FOR THE BUYER AND THE SELLER

What does Legal Assistance consist of?

Legal Assistance is a free telephone service that offers legal information provided by a lawyer for all legal matters related to private life, such as: hidden defects, contracts, neighbourhood disturbances, housing, wills, taxes, family law, consumer law, and employment rights, and more*.

• Unlimited number of calls;
• No call time limit;
• Confidential and bilingual service;
• Callback from a lawyer with at least 5 years of experience within 48 hours.

The service is available from Monday to Friday between 9 a.m. and 6 p.m. by calling 1-877-491-2433.

For sellers, free legal assistance is available from the moment all the terms of the promise to purchase are fulfilled and for a period of 12 months following the signing of the deed of sale.

For buyers, the free legal assistance service is available for a period of 12 months following the signing of the deed of sale.

What are the eligibility requirements? *

To be eligible for legal assistance, the seller must be eligible for Homeowner Protection and the buyer must be eligible for Homebuyer Protection.

*Exclusions: any issues related to insurance law or criminal law, as well as matters related to professional, voluntary or commercial life and relating to a dispute against a Via Capitale representative.

Get a glimpse of what legal assistance has done for its clients:

"Response times were short, and the instructions given about required documents were clear."

"Thank you very much. The lawyer took the time to listen to all our misfortunes and break them down and categorize them. He also listed the actions to be taken next, clearly and in order, and told us that we could call him back and request to speak with him specifically, if needed. Thank you again! "

"I feel supported and ready to defend my rights with the help of the advisor, or rather lawyer, who has greatly supported me and advised me in regard to the problem I am currently facing... Thank you."