Immovable

En cas de décès, il paiera le capital souscrit contre les dettes de la société.

Let us help you find the best way to make your initial down payment, negotiate the best mortgage on the market, and most importantly, protect it in the event of disability or even worse if one of you dies.
Use your energy to find the home of your dreams and let us take care of the financial side of this important transaction.

So we will team up together.

The Home Buyers' Plan (HBP) is a program that allows you to withdraw funds from your Registered Retirement Savings Plans (RRSPs) to buy or build a home for yourself or for a disabled person who helps you. is linked. You can withdraw up to $ 25,000 in a calendar year.

Generally, you have 15 years to repay the amounts withdrawn from your RRSPs. You have to repay an amount each year in your RRSPs, until the HBP balance is zero. If you do not repay the amount provided for a year, you will have to include it in your income for that year.

  • If you don't have enough money in your RRSPs, you can take out an RRSP loan to reach the $ 25,000 eligible for the HBP.
  • There are two components to mortgage insurance: disability insurance and life insurance.

Disability insurance make your mortgage payments in the event of disability. You can thus insure all your debt payments: auto, credit cards, personal loans.

Life insurance mortgage will settle the balance of your mortgage if you die prematurely. There are many differences between mortgage life insurance taken out with the lending institution rather than with an insurance company.

With an insurance company, the premium is fixed. With a bank or a caisse, it increases with age. If you change the lending institution, you lose your insurance. With an insurance company, you keep it. This simple element seems banal. But think about your insurability, which depends on your state of health. With an insurance company, the death benefit can be fixed or decrease by up to 50%. With a bank or a caisse, it decreases to zero.

Buying a home is, without a doubt, one of the most important events in a family's life. Finding the dream home in a dream neighborhood while respecting your budget takes a lot of effort.

  • A mortgage broker will find the mortgage that's right for you at no additional cost.

* Products obtained through different brokers.

Use your energy to find the home of your dreams and let us take care of the financial side of this important transaction.
So we will team up together.

Insurance products are offered through several general agents. Finvest distributes the insurance products of several insurance companies.

Guaranteed investments are offered through Investia Financial Services Inc. and / or several general agents.

Segregated fund products are offered through Investia Financial Services Inc. and / or several general agents. Subject to any guarantee applicable to the death benefit, any part of the premium, or any other sum allocated to a segregated fund, is invested at the risk of the policy holder and its value may increase or decrease according to fluctuations in value. market of the assets of the segregated fund.

Investing in a mutual fund may give rise to brokerage fees, trailing commissions, management fees and other expenses. Please read the prospectus before investing. Investments in mutual funds are not guaranteed, their values ​​fluctuate often and their past performance is not indicative of their performance in the future. Mutual funds are offered exclusively through mutual fund representatives registered with Investia Services Financiers Inc. (Investia), and Investia does not provide or distribute any advice or product other than that directly related to the sale of mutual funds. . If the representative provides or offers other advice or services, he must hold the necessary permits and deal with entities (other than Investia) duly registered with the competent authorities. Mutual fund products are offered through Investia Services Financiers Inc.