Services & Protections : Protections

Reassuring after sale service!

No matter which sign is in front of the property you are interested in, La Capitale agents are the only agents to offer free after sale service when you purchase your property, including the home and mortgage Protections and an entire portfolio of advantages for the new home owner. This after sale service is handled through a single toll free number: 1-877-491-2433.

Demand homebuyer protection!

La Capitale revolutionised the real-estate market with our homebuyer protection. Exclusive to La Capitale, this protection covers all appliances included in the purchase, as well as the plumbing, electrical and heating systems in the home you purchase. Should any of these items break down you are eligible for a refund of up to $5,000 through homebuyer protection. Participating agents only.

You can sleep easy. We guarantee it. Millions of dollars have been paid to La Capitale customers through the homebuyer protection since 1991.

The mortgage protection: A Must!

Designed specifically for buyers, our mortgage protection is the best protection available in the real-estate market. In case of job-loss, La Capitale will continue to make your mortgage payments (capital and interest), up to a total of $15,000, without requiring a reimbursement of any kind from you. Our agents offer this unparalleled assistance program to all buyers who contract their mortgage financing through an institution recommended by La Capitale Real Estate Network. The mortgage protection is effective for a period of one year following the signature of the act of sale.
Furthermore, if the buyer is eligible to the homebuyer and mortgage protections and if he purchases a condo, the condo monthly payments are also covered by the mortgage protection. The homebuyer protection is a winning proposition.

Service Guarantee

The La Capitale agent gives you a written guarantee describing in detail all the steps he will take during the acquisition of your property to help you become its owner with peace of mind.

A portfolio of interesting advantages for the new home buyer

La Capitale is constantly negotiating new agreements with strategic partners to add to the portfolio of advantages it offers to its buying customers. This can mean rebate coupons, gift certificates or reductions from various companies offering services a home buyer may have to call on in the months following his purchase. Ask your La Capitale agent for more information.
To take advantage of the rewards offered in this reassuring after sale service program, all you have to do is deal with a La Capitale agent!

The La Capitale real estate agent can also offer advice at any stage and on any aspect of your purchase:

• Mortgage financing. Each year, La Capitale agents initiate loans totalling several hundreds of millions of dollars. This is a negotiating tool that can work in your favour! No need to go from bank to bank or from caisse to trust company looking for the best interest rate. Your La Capitale agent can refer you to a mortgage broker who can offer you the best rate.
  
  Thanks to special agreements with La Capitale, some lending institutions offer personalised service to our customers, such as:
  
  
  • - a guaranteed interest rate from the time you contract your loan until you
    purchase your home;
    
    
  • - the issuing of a certificate attesting the amount of the authorised loan… this
    allows you to better concentrate your efforts on properties which are
    appropriate for you;
    
    
  • - a free evaluation of the house to be mortgaged;
    
    
  • - seasonal promotions which may include a reduction in interest rates, free interest
    for a certain number of months or rebates which can be as much as several
    thousands of dollars.
    
    
• A network of professional resources. The La Capitale agent is the best intermediary to refer the buyer to an expert evaluator, a notary or any other service related to real estate. He is there to serve you and his services cost you nothing! To get an idea of the many specialists that the La Capitale agent can refer you to, have a look at our Home Resources directory.
  
  
• Tax advantages.The agents at La Capitale have prepared a document for homebuyers called "Your taxes and the purchase of a home" which describes the various programs that a buyer can take advantage of, including:
  
  - The Homebuyer's Plan (HBP-RRSP);
  
  - Admissible deductions for a move which brings you closer to your place of work or school.