News

A Neighbourhood Love: The Village

Maurice Nantel guides us once again through Montreal’s various neighbourhoods, stopping this time to explore the eclectic neighbourhood of the Gay Village.

A unique destination that is recognized worldwide, the Village is a vibrant, welcoming, and festive neighbourhood. Located between St. Hubert and Papineau streets, the majority of activities in this area take place around Saint Catherine Street. Summer is a great time to take advantage of this neighbourhood, since the main strip is turned into a pedestrian area for the entire season. Tourists and residents can enjoy one of the dozen terraces to have a drink or savour a good meal, all under the famous Pink Balls art installation!

The active commercial area counts close to sixty restaurants, twenty bars, and many one-of-a-kind shops; and is particularly known for its bustling nightlife. Different events take place in the neighbourhood throughout the year, such as the Festival des Arts du Village (July); Divers/Cité, a festival showcasing LGBTQ pride (end of July and early August); and the Festival Image et Nation (September), just to name a few. Montreal’s Gay Village has become synonymous with acceptance and diversity, and welcomes thousands of tourists every year from around the world.

Discover this neighbourhood through the eyes of Maurice Nantel and the Wowo studios!

Virtual Reality Has Made Its Way to Via Capitale du Mont-Royal!

A new technology has been introduced at Via Capitale du Mont-Royal : an innovative system have arrived at the agency’s offices!

Réalité virtuelle (VR) Via Capitale du Mont-Royal

AD: You master the art of living. We master the art of selling.

This system creates a totally immersive experience where customers can view properties that are already built or exist only as floor plans! This advanced technology may turn out to be very useful for the future of real estate.

Via Capitale du Mont-Royal is proud to offer such a unique and exciting service to our clients. As a matter of fact, we will be the first real estate agency in Montreal to offer this advanced technology!

The innovative virtual reality technology will allow customers to visit and discover properties in a 3-D and 360-degree visualization as if they were right there in person! For this technology to work, the agency’s offices will be equipped with a powerful computer, two television sets, and one virtual reality headset. This system will allow people to visit listings without having to travel to the actual locations, which means customers will be able to view several properties in a day. It will also be possible to list your property for sale as a virtual reality tour!

If you’re curious and want to experience virtual reality, come see us during the Mont-Royal sidewalk sale from August 24 to 27—you can try this incredible cutting-edge technology at our kiosk located by our agency. You’ll get the opportunity to discover homes that have been rendered in virtual reality! For more details, visit the RU event page.

Feel free to share this exciting news and bring some friends along!!

Geometric Collaboration

Geometric Collaboration

At Via Capitale Mont-Royal, we love to share our favourite moments with our subscribers: whether it’s to highlight the liveliness of a neighbourhood, to showcase one of our star listings, or even to reveal a special cause that is dear to us. Created in 2016, our Instagram account (www.instagram.com/viacapitaledumontroyal/) is our platform of choice, a place for us to share all our precious discoveries with you.

Chez Via Capitale du Mont-Royal, nous aimons partager nos coups de cœur auprès de nos abonnés : que ce soit pour vous imprégner de la vie d’un quartier, vous montrer une de nos inscriptions vedettes, ou encore vous faire part de causes spéciales pour lesquelles nous sommes impliqués. Créé en 2016, notre compte Instagram (https://www.instagram.com/viacapitaledumontroyal/) est une plateforme privilégiée pour vous partager toutes ces précieuses découvertes.

Source: Instagram account of Via Capitale du Mont-Royal

 

We often meet talented people along the way, and these last few months, we’ve fallen head over heels for Morgane Clément-Gagnon. We’ve been following her for some time now, admiring her beautiful geometric photos on her Instagram account. (Have a look here: www.instagram.com/morgane8677/)

Morgane Clément-Gagnon is making a name for herself with her photo Aspirations (see below), which won her the third prize at the Intercollegiate Photography Contest.

Aspirations

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Source: Instagram account of Morgane Clément-Gagnon

 

We met up with Morgane so that she could photograph our Via Capitale du Mont-Royal agency, as well as a few other of our listings. A passionate photographer, she agreed to share her knowledge and talk to us about her craft.

Fascinated by lines and geometry, Morgane is the ideal person to take us on a journey through her unique and impromptu photography.

We had the pleasure of following her for a few hours as she took photos, and are delighted to share this adventure with you.

Our journey began at 214 Saint-Joseph Boulevard, where a front door caught our attention. A large decal with white flowers is affixed to the windows, creating a striking symmetry between the two adjacent doors.

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Some of you might see a beautiful full moon in the following photo—but that’s not quite right! Morgane actually captured a stunning view of the sun—in broad daylight!

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We continued our journey to 1022 Saint-Joseph Boulevard, where Morgane’s curiosity was piqued by a brick wall. Such painstaking work went into the construction of this wall, with its meticulous alignment of bricks, creating a stunning effect.

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Our next stop was 5755 Waverly Street. Geometry enthusiasts will undoubtedly love this building’s conceptual facade, where rectangular and triangular shapes are skillfully juxtaposed.

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And what do we see here? That’s right, it’s our Via Capitale du Mont-Royal building! But this time, it’s photographed through the bay window. Impressive, don’t you think? ☺

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Find all these beautiful photos on our Instagram account (www.instagram.com/morgane8677/) and follow us for more exciting discoveries!

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The Meaning of Real Estate Symbols and Traditions

This week on our Les Oranges Pressées radio show on CIBL, we are having fun travelling and discussing real estate traditions. One of the most known superstitions revolves around the idea that a broken mirror can bring about seven years of bad luck. Yet very few people know that the spell can be broken by burying the shattered mirror pieces under moonlight. Stories dealing with superstitions are abundant in the world of real estate, and each one has a specific meaning according to its country of origin.

Exterior Symbols

In Anglo-Saxon culture, a red door signifies that homeowners have successfully paid off their mortgage. While long ago in the United States, a red door was seen as a welcoming sign for travellers, indicating a secure location where globetrotters could rest in full tranquillity. In China, the colour red symbolizes good luck and is seen as an entry point where the chi—a fundamental concept which forms and animates life in the universe—can enter a home.

The lion statues spotted throughout Montreal and its greater area also have their traditional histories. In Vietnam, they protect and empower people. In China, they act as guardians, defending homes against accidents and theft. For Buddhists, lion statues are said to bring peace and prosperity, while in Italy, they symbolize power and prestige. In Quebec, homeowners traditionally place one or two lions in front of their house once their mortgage is paid off. Whether placed in front of a door or by a staircase, the lion remains true to itself as a symbol of honour, respect, and power, and can even be seen in popular buildings in Paris and New York.

Interior Symbols

In certain cultures, tripping while walking up a staircase is seen as a sign of good luck or a possible upcoming wedding. In contrast, stumbling while walking down the stairs or crossing paths with someone signifies bad luck. Apparently crossing your fingers is the only way to ward off this spell!

Even less known in popular culture are superstitions surrounding brooms! According to tradition, when moving into a home, one must always have a new broom and some bread on hand. When leaving an old property, it is also customary to burn all your old rags, to bring good luck to your new home. In England, placing a broom behind your front door will deter people with ill intentions from entering. In Sicily, placing a broom outdoors on the night of Saint Jean-Baptiste will bring about good luck and chase away evil spirits. At one time, people would even hang a broom in front of their main entrance to indicate the presence of a young girl to marry in the house. And finally, saving the best for last: in certain customs, placing a broom on the ground in front of your guests signifies that time has come for them to leave! Who would have thought that a broom could mean so many things?

Join us every week for a new segment and follow us on Facebook!

Buying Before Age 30

Acheter immobilier avant 30 ansThe tightening of mortgage rules, announced by the Federal Government last fall, caused quite a stir and has raised a lot of concern. For buyers, generally speaking, this means that they must either save a bit more or set their sights on a more affordable home.

But let’s take a closer look at the impact on buyers under the age of 30. Burdened by the reimbursement of student loans or other debt, and faced with entry-level wages, must they give up their dream of home-ownership?

 

The good news is, the answer is NO! Owning a home before age 30 is still possible.

Here’s how:

Firstly, it is important to save! Indeed, for both first-time and seasoned buyers, a down payment is still required! Ideally it should represent as much as 20% of the value of the property. However, there is no need to panic should that not be possible. Mortgage loan insurance is available from the Canadian Mortgage and Housing Corporation (CMHC) or from Genworth Financial Canada. The down payment is then set at a minimum of 5%.

Additionally, one must set aside 3% of the value of the house to cover start-up costs (notary, welcome tax, renovations, etc.)

The question is, how does one save that much money? Here are a few ideas:

  • Collect spare change, that is, put aside all the coins from your daily errands. You’ll notice small change adds up quickly!
  • Automate, or rather, set up a monthly automatic transfer of a fixed amount to be deposited into a savings account, and include this in your budget.
  • Avoid wasting: buying used items, making your own lunch, and clipping coupons are all ways to avoid spending uselessly.

Another important point to consider when aspiring to home-ownership, is paying one’s debts! In fact, all debts will be considered when calculating borrowing capacity.

Furthermore, the fewer debts there are to pay, the more money there is available for saving. The debts to be reimbursed first and foremost are consumer loans (credit card or credit margin, personal loan, etc.)

Regarding student loans, accelerated payments are rarely advantageous since student loans are usually amortised over a period of 10 years, the applicable rate is low, and interest payments are tax deductible. This surely makes some people happy! So consider paying off all of your credit cards!

These are the fundamental principles to consider for any aspiring home-owner under age 30. You’ll find more information in the blog article Desjardins, Comment acheter sa première maison avant 30 ans.

Change your address in 5 minutes

You found your property, everything is signed, and all that’s left is to move! Regular movers will argue that it’s insignificant, but changing your address is often quite physical, and can be an administrative burden due to the numerous steps necessary to ensure that everyone knows your new address!

changement adresse MovingWaldo

Have a good night’s sleep and don’t worry about your upcoming move, we discovered a wonderful service that will make your life easier! It’s MovingWaldo, a free and practical website, which was created here in Quebec!

The way it works is simple, you just need to let MovingWaldo know your new address. Then, choosing from their directory of over 500 suppliers, select those who need to be alerted to your change of address. Verify everything, give your approval, and you’re done! You’ll have load­­s of time to prepare your housewarming party!

Don’t hesitate to explore the MovingWaldo website, which also offers useful tips and tricks to help you manage your move in the most effective manner. We bet that our customers will appreciate this new service, which is both helpful and fun! One final piece of good news and then we’ll let you move in peace. MovingWaldo is currently holding a contest for those who are not renewing their leases this year!

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Professional Liability Insurance Fund of the Quebec Real Estate Brokerage

Spring has finally arrived! And like many people at this time of the year, real estate fever has taken hold. A desire for change and novelty drives you to seek out a completely different living environment- a new home. You may be wondering if taking on a broker to help you in the sale or purchase of your next property is really worth it.

In the “For” column you have many useful benefits: expertise, efficiency, time-saving, access to a network of real estate professionals, etc. But there’s one factor you are probably unaware of that you absolutely must add to that list. And that’s the FARCIQ !

What exactly is the FARCIQ ? It stands for Fonds d’Assurance Responsabilité professionnelle du Courtage Immobilier du Québec. In English it means the Professional Liability Insurance Fund of Quebec Real Estate Brokerage. FARCIQ is responsible for dealing with public claims as well as instructing license holders of the process for managing their titles. The FARCIQ therefore ensures the professional liability of all real estate brokers and mortgage agencies in Quebec.

Its role is divided into three parts:

• First, it provides protection in the event of misconduct, error, negligence or omission that may be committed by a brokerage licensee in the course of his or her professional activities.

• Secondly, it ensures compensation for the resulting loss when professional liability occurs.

• Finally, it addresses the needs and concerns of the brokers with respect to their liability insurance while helping them to prevent risks associated with professional mistakes. It also provides them a service that offers assistance and advice to answer all their questions and cover all their cases. No matter what your buying or selling situation may be, you can be assured that your broker will have the right information and knowledge to ensure that your transaction takes place in the best possible conditions.

In addition, this insurance, mandatory since 2006, is reserved for real estate brokers or mortgage holders who possess a permit issued by the OACIQ (Organisme d’autoréglementation du courtage immobilier du Québec), a self-regulating body for Quebec Real Estate Brokerage. This organization legally protects the public that uses Real estate brokerage and mortgage services.

That’s why, when you’re dealing with a professional broker, you (and all your transactions) get double protection! Reassuring isn’t it?

That should tip the balance on the “For” side!

For more information, visit:  www.farciq.com