CMVR: notaries, lawyer & mediators Delighted! CMVR is a team of notaries, lawyers and mediators, in the Montreal region, which has forged a reputation for quality in the field of real estate, estate settlements, wills and mandates of incapacity, family mediation, divorce or for help you start or update your business. NOTAIRES LAURENCE CARRIERE-MARLEAU , LL.B., DDN, notary After obtaining her bachelor's degree in psychology at UQAM in 2006, Me Carrière-Marleau decided to apply her interest in relationships in a field that involves logic and norms. This is why she began her studies in law at the University of Montreal in 2007. Then, considering that the notarial profession constitutes the most human field of law, she completed her Diplôme d'études Notariale (DDN) at the Université of Sherbrooke. By her empathetic and calm nature as well as by her great listening skills, Notary Carrière-Marleau has forged a reputation for quality towards her clients, making her a valued professional. As a notary, she will always be available to advise you and allow you to make informed decisions at all stages of your life. Magali Drouin, LL.B. LL.M., notary Magali Drouin has been working for CMVR NOTAIRES, ATTORNEYS AND MEDIATORS since the summer of 2018 as a legal intern. Graduated in April 2018 from the bachelor's degree in law and in 2019 from the master's degree in notarial law from the University of Sherbrooke, she was sworn in as a notary in April 2020. Hard-working and conscientious, Magali has the best interests of clients as a priority and will be able to conduct your files in a rigorous and impartial manner while providing personalized service according to your needs. Whatever your request, she will take the necessary time to guide and enlighten you. GABRIELLE VACHON ROY , LL.L., LL.M., notary Notary Vachon Roy completed her studies in Civil Law at the University of Ottawa and completed her Master's degree in Notarial Law. Notary since 2012 and member of the Chambre des notaires du Québec, she has also completed the necessary training to become a family mediator. Founder of the CMVR notaires business, she has contributed to its growth and has also been teaching future real estate brokers at the Collège d'Enseignement de l'Immobilier since 2019. Her preferred fields of practice are human rights, family mediation, real estate, non-contentious procedures, as well as commercial law. Listening to her clients, she will be able to offer you sound advice for all occasions. Élodie Léger, notaire Me Geneviève Duclos Paré completed her law studies at the University of Ottawa in 2014. As soon as she was admitted to the Quebec Bar, she opened her office where she focused her practice in family law. She represents her clients in disputed cases at the Superior Court relating to custody, child support and divorce applications. Building on her experience as a litigator, Me Duclos Paré joined the CMVR notaires firm in 2019 and obtained her accreditation in family mediation. Listening to her clients, she is keen to find appropriate solutions for each of them. Sara Labelle, notaire Me Geneviève Duclos Paré completed her law studies at the University of Ottawa in 2014. As soon as she was admitted to the Quebec Bar, she opened her office where she focused her practice in family law. She represents her clients in disputed cases at the Superior Court relating to custody, child support and divorce applications. Building on her experience as a litigator, Me Duclos Paré joined the CMVR notaires firm in 2019 and obtained her accreditation in family mediation. Listening to her clients, she is keen to find appropriate solutions for each of them. AVOCATS Geneviève Duclos Paré, lawyer Me Geneviève Duclos Paré termine ses études en Droit à l’Université d’Ottawa en 2014. Dès son admission au Barreau du Québec, elle ouvre son bureau où elle concentre sa pratique en droit familial. Elle y représente ses clients dans des dossiers contestés à la Cour Supérieure relatif à la garde, la pension alimentaire pour enfants et les demandes de divorce. Forte de son expérience à titre d’avocate plaideuse, Me Duclos Paré se joint à l’étude CMVR notaires en 2019 et obtient son accréditation en médiation familiale. À l’écoute de ses clients, elle est soucieuse de trouver des solutions appropriées pour chacun d’eux Geneviève Duclos Paré, lawyer Me Vicky Lauzière est membre du Barreau du Québec depuis 2020. Dès le début de sa carrière, elle oriente sa pratique vers le droit de la famille et traite des dossiers variés, notamment en matière de divorce, de garde d’enfants et de pension alimentaire. Me Lauzière a rejoint l’étude CMVR Notaires en 2025 et elle concentre désormais sa pratique vers la médiation familiale, ayant obtenu son accréditation. Empathique et consciencieuse, Me Lauzière accompagne ses clients avec sensibilité et professionnalisme afin de les aider à trouver des solutions durables, dans un cadre respectueux et collaboratif. Claudia Maheu, avocate, médiatrice familiale et aux petites créances Me Claudia Maheu est membre du Barreau du Québec depuis 2014 et médiatrice familiale accréditée depuis 2018. Elle est également membre du Jeune Barreau de Montréal, de l’Association des avocats et avocates en droit familial du Québec et de l’Association de médiation familiale du Québec. Me Maheu consacre sa pratique à la médiation familiale et aux modes de règlement à l’amiable. En plus de son expérience et expertise en droit de la famille, Me Maheu est une ancienne enseignante à l’école secondaire, ce qui lui permet de bien comprendre et connaître la nature des enjeux entourant les enfants. Geneviève Duclos Paré, lawyer Me Arnaud Richer est membre du Barreau du Québec depuis 2016. Au cours des quatre premières années de sa pratique professionnelle, il a développé ses compétences au sein d’un cabinet de droit corporatif à titre d'avocat associé. En 2020, il obtient un poste de directeur des ressources humaines et affaires juridiques en entreprise. Il y acquiert une solide expérience en droit du travail, en prévention et gestion des conflits, ainsi qu’en gouvernance et conformité. Au sein de l'étude CMVR Notaires, Avocats et Médiateurs, Me Richer combine son expertise en droit corporatif et son expérience en ressources humaines. Il se spécialise dans les services aux PME, en offrant un accompagnement complet et adapté. Me Richer est à l’écoute des besoins réels de ses clients et a à cœur la croissance sécuritaire de leurs entreprises. All your life, you are called upon to make important decisions that produce legal effects. Just think of marriage, divorce, buying property and financing it, forming a business, writing a will, and so on. However, faced with the proliferation of laws and their growing complexity, you cannot measure and assess the legal implications of such decisions yourself. By training in law, the notary can help you make informed choices. Our colleague Laurence explains the role of a notary. Why do business with a notary? The notary being a jurist with an obligation of impartiality by virtue of his status as a public officer, we say of him that he is a jurist of the cartel. His role is to protect all parties and to work to find the most equitable and directed solution according to their needs. Compared to lawyers, the notary stands out because he directs his actions according to a preventive intervention in order to avoid working in the field of conflicts. In the course of a lifetime, it is inevitable that couples, families or companies need to use the services of a notary and therefore he becomes an important ally for them. Because of his skills, the notary is there to advise you legally and to enable you to make informed choices with full knowledge. Consulting the notary, only to make an informed decision, will avoid future conflicts and litigation that can prove costly. In addition to his status as a public officer, the notary gives the documents he signs an authentic character and therefore a document which itself is proof of its content, its accuracy and the signatures it contains. In addition to this advantage, the notarized document cannot be lost or altered, because it will be kept in the notary's office in perpetuity even after the cessation of his practice. CMVR Notaries: our specialties Will Succession Real estate Protection mandate Corporate Buy Sell

CMVR Notaires analyse votre dossier d’achat ou vente selon les divers documents fournis. Le notaire procédera à un examen des titres, soit une vérification diligente des titres de propriété afin d’acheter un titre clair. PARLONS REFINANCEMENT HYPOTHÉCAIRE How does a mortgage refinance work? Whether it is to increase the current loan, to obtain a line of credit or to obtain a better interest rate, the notary will accompany you in the signature of your refinancing. Refinancing consists of signing a new mortgage according to the desired terms and repaying the old one according to the balance that we will have obtained. The new mortgage will be published in the land register and the old one will be cancelled. Why use mortgage refinancing: In a refinance, the debtor will get the equity in their property, which is the difference between the value of the property minus the current mortgage balance. Here are several reasons to refinance your property:  Renovations  Travel  Studies of your children  Line of credit  Retirement Contact us to discuss

CMVR est une équipe de notaires, avocat et médiateurs à Beloeil, Brossard & St-Hubert. Notaire en achat & vente de maison et mandat inaptitude. Comment régler une succession : notaire mandat d'inaptitude à Brossard & notaire succession à Beloeil. CMVR notaires fait de la médiation familiale. PARLONS MÉDIATION FAMILIALE How does the separation of my couple work? Êtes-vous admissible à des séances de médiation familiale gratuites? Des séances de médiation familiale sont offertes gratuitement dans le cadre d'une séparation pour un certain nombre d'heures. Le nombre d'heures varie selon la situation dans laquelle vous vous trouvez. Remplissez notre court questionnaire afin de savoir si vous êtes admissible. Cliquez ici In addition, you and your ex-spouse can no longer communicate when you discuss problematic subjects. Consider the family mediation process! These are meetings with you, your ex-spouse and the mediator where you negotiate the terms of your separation within a structured framework. The mediator ensures that the parties have effective and constructive communication and that everyone can put forward their point of view. The objective is to identify the source of the problems and find appropriate solutions. You are in the process of separating and you have questions to which you would like to know the answers in order to make the right decision : How does family mediation work? Les parents ont la possibilité d'assister à une séance d'information sur la parentalité après la rupture. Cette séance de groupe est offerte gratuitement par le Ministère de la justice: Séance d’information de groupe sur la parentalité après la rupture - Ministère de la Justice (gouv.qc.ca) In order to encourage parents to use the services of a family mediator, the government pays the fees of family mediators in the following situations : A couple with minor or adult dependent children is entitled to : 5 hours of mediation , as part of a separation process. 2.5 hours of mediation , in the case of a request for review of a judgment or an agreement, or if you have already benefited, with your ex-spouse, from family mediation services or if you have already obtained a judgment in separation from bed and board. How does family mediation work? Nous offrons des rendez-vous dans un délai rapid e, e n présentiel ou en visioconférence. Cela nous permet de vous offrir un service impeccable, et ce, peu importe où vous vous trouvez! According to the Family Mediation Regulations: If overtime is required to finalize the mediation process, the mediator's rates shall be $110.00 per hour as provided in the Family Mediation Regulation. We also offer family mediation to couples who are not eligible for the government subsidy according to our hourly rate. You can contact us for any information. contact us Pour plus d'informations sur la médiation familiale, nous vous invitons à consulter le site du Ministère de la Justice du Québec : La médiation familiale, pour négocier une entente équitable - Ministère de la Justice (gouv.qc.ca)

PRENONS UN RENDEZ-VOUS CMVR Notaries: 4 offices on the South Shore of Montreal Do not hesitate to contact us We are here to help you in all stages of your life. Call us Write U.S To send CMVR Notaries | Attorney & Mediators 505 Sir Wilfrid Laurier Boulevard, Beloeil, Quebec, J3G 4H8 Phone: 450 649 5115 | info@cmvrnotaires.com 699 Adoncour Street, Longueuil (QC) J4G 2M6 Bureau Châteauguay (sur rendez-vous) 144, boulevard Saint-Jean-Baptiste, suite 1 Châteauguay, Québec J6K 3B2 Bureau Saint-Hyacinthe (sur rendez-vous) 1615 All. du Marché, Saint-Hyacinthe, Québec J2S 8E4

CMVR Notaires fera des rencontres faites avec vous, votre ex-conjoint(e) et le médiateur où vous négocier les modalités de votre séparation dans un cadre structuré. Le médiateur s’assure que les parties aient une communication efficace et constructive. PARLONS PROCÉDURE NON-CONTENTIEUSE How do the non-contentious procedures work? As the name suggests, the non-contentious procedure is used when there is no conflict, dispute or litigation. The advantages of the non-contentious procedure before a notary Some non-contentious procedures can be done before a notary, who alone is in charge of the entire file. The court will intervene only once the file is completed in order to render a judgment according to the conclusions of the notary. There are several advantages to proceeding by non-contentious procedure before a notary. In addition to taking a more human approach, the procedure before a notary proves to be faster and less costly. The legal procedures that will be necessary for your request will be explained to you, and our notaries will accompany you throughout the process, from preparing the request to obtaining the judgment. Different non-contentious procedures before a notary : Homologation of a protection mandate Verification of a holographic will or in front of witnesses Opening of protective supervision Appointment of a tutor to a minor child Replacement of a tutor or curator Application for judicial recognition of a property right Request for cancellation Application for a change of name Guardianship to the absentee Declaratory judgment of death All other non-contentious requests contact us

CMVR Notaires analyse votre dossier d’achat ou vente selon les divers documents fournis. Le notaire procédera à un examen des titres, soit une vérification diligente des titres de propriété afin d’acheter un titre clair. PARLONS ACHAT ET VENTE D'UNE PROPRIÉTÉ How buying or selling works of one property? Buying a property can be as exciting as it is stressful for buyers. Buyers must make many decisions in this complex area of law. The notary therefore plays an important role in their informed decision-making. First of all, your purchase/sale file will be analyzed in depth according to the various preliminary documents provided. Following this analysis, the notary will also proceed to a title review, which is a due diligence of the title deeds in order to purchase a clear title. In addition to verifying the identity of the parties, the notary also makes sure to have the money in his trust account prior to the transaction to ensure the smooth progress of your file. The relevant documents will then be drafted by the notary. Purchase of a condominium The notary will adjust his advice and tasks according to the type of property you are buying. For example, the purchase of a condominium involves several additional checks. The notary will verify the declaration of co-ownership and its modifications in order to inform you of the easements that may be present, the restrictions, the uses authorized, etc. Also, the notary will check the financial statements to ensure that the contingency fund is sufficient to pay for work that may arise in the future. A verification of the special contributions that have already been voted will also take place in order to avoid surprises when receiving the notice of payment. The notary also obtains a form completed by the syndicate of co-ownership in order to protect the buyer, in particular if there are arrears in the condo fees, if legal proceedings are initiated against the seller and other situations that may cause harm to the buyer. As you can see, the acquisition of a co-ownership requires several checks in order to avoid any unpleasant surprises and the notary is the ideal advisor to assist you in your efforts. Find out more about the legal guarantee Under the law, the seller is bound by the legal guarantee towards his buyer. This warranty includes the warranty of title and the warranty of quality. Guarantee of property rights The seller must guarantee the buyer a “good and valid title deed”. In other words, the seller vouches for his right of ownership of the building. The quality guarantee The seller is also bound by the quality guarantee, that is to say the guarantee against hidden defects. The quality guarantee only covers major defects which exist during the sale, which are unknown to the buyer and which a careful and diligent buyer could not have discovered. The sale made without legal warranty To the extent permitted by law, the parties may agree and decide to extend or reduce the scope of the legal warranty. It is therefore possible to sell without legal warranty if a clause in the contract provides for it. However, the seller can never free himself from his personal facts. A professional seller cannot be released from liability for defects that he knew or could not ignore and that he did not reveal. Who pays the fees? The costs to cover everything related to the real estate transaction are the responsibility of the buyer. However, since the seller must provide clear title, if the property is mortgaged, the seller will be responsible for the expense of preparing the discharge. Also, the latter must reimburse the notary for the costs incurred by the latter, in particular the costs for obtaining tax certificates, surveyor fees, fees for issuing a new certificate of location, brokerage fees, title insurance fees, etc. When is a new certificate of location mandatory? When selling the property, the seller agrees, through the promise to purchase, to provide a clear title. By the same token, the latter must provide buyers with a certificate of location representing the current state of the premises. The property must therefore not have been subject to a cadastral renovation resulting in a modification of the lot number and no construction not appearing on the current certificate of location must have been made. Moreover, since the Ostiguy c. Allie judgement, the certificate of location must be dated no more than 10 years to the day. Sellers will need to order a new one if the issue date of the one in their possession is more than 10 years old.

CMVR est une équipe de notaires, avocat et médiateurs, de Beloeil et Brossard. Notaires excellents en achat & vente de maison et hypothèque. Comment faire pour régler une succession : notaire pour mandat d'inaptitude à Brossard & notaire pour succession à Beloeil. VOS DROITS IMMOBILIERS Whether in the field of real estate, family, non-contentious procedures, estate settlements, wills and mandates of incapacity or to help you start or update your business, our team of professionals will become valuable advisers and will be present at all the important stages of your life. Purchase & sale of property During the acquisition or sale of property, the notary performs several steps to protect all parties to the deed. Learn more Refinancing Renegotiating your mortgage loan involves the signing of several legal documents and your notary will be there to advise you on this subject. Learn more Mortgage Whether you are buying your very first house, renovating your current property, signing a mortgage will allow you to realize your projects. Learn more Servitude An easement consists of a charge imposed on a property in favor of another property or a person and involves several important legal consequences to be aware of. Loan Discharge The notary can proceed with the publication in the land register of the loan discharge which will prove to everyone that you have paid your debt and that the mortgage you had is extinguished. Learn more Learn more

CMVR Notaires fera des rencontres faites avec vous, votre ex-conjoint(e) et le médiateur où vous négocier les modalités de votre séparation dans un cadre structuré. Le médiateur s’assure que les parties aient une communication efficace et constructive. PARLONS TESTAMENT Writing a will: how does it work? Writing a will should not be taken lightly. When your last wishes are followed up, you won't be there to change them! Your will must be adapted to your family, financial and professional situation. These situations vary over time, and this is why it is necessary to check your will from time to time to ensure that it still adequately meets your wishes and the needs of your family members. Your will must also take into account the tax impact of legacies. It is better to leave more to your heirs and less to the tax authorities! Your notary specializes in inheritance law. He will review your family and financial situation with you and advise you on planning your estate. Why make a notarized will? One of the advantages of a notarized will? We keep the original in our vault protected from bad weather (fire, theft etc.) So even if you lose your will or even if someone destroys it, the original is always kept in a safe place. You can contact us to request another copy. contact us There are several reasons to make a will with a notary. Here are a few: Simplify the life of your loved ones after your death. Transmit your wealth by maximizing it. Provide for the remittance of legacies even after your death Provide for the remittance of legacies for minor children Make it so that your ex-spouse cannot touch, or even manage, the sums you bequeath to your children? And more

CMVR Notaires analyse votre dossier d’achat ou vente selon les divers documents fournis. Le notaire procédera à un examen des titres, soit une vérification diligente des titres de propriété afin d’acheter un titre clair. PARLONS SERVITUDE Land easement How does land easement work? The notary is the designated adviser for the drafting of a deed of easement. In general, an easement is attached to a property and not to the owners of it. It is created in favor of property or other property, a person or a public service. Since it is attached to the property, it follows the building even in the event of a sale. The nature of the easement can be multiple, it can be of passage, of view, of drawing water etc, and it can even guarantee obligations. Whatever its nature, it is important to properly identify it and understand its impacts. In order to fully understand the duties and obligations of this easement, it is important to consult a notary who will provide you with all the relevant information in order to make an enlightened choice about it. There are also so-called personal easements which are generally temporary and disappear when the property is sold. They are granted in order to favor a particular person and not a property. Some common examples of easement of land: A right of way in favor of Hydro-Québec on your land to allow them access to your property. A view easement regulating a view that would be illegal due to the distance of a window from it on a neighbor's property. A tolerance easement allowing the author of the encroachment to maintain in good condition what has been built on the property of his neighbour. Contact us to discuss

CMVR Notaires fera des rencontres faites avec vous, votre ex-conjoint(e) et le médiateur où vous négocier les modalités de votre séparation dans un cadre structuré. Le médiateur s’assure que les parties aient une communication efficace et constructive. PARLONS MARIAGE ET UNION CIVILE Marriage & civil union: how does it work? Marriage or civil union is much more than a celebration. Before exchanging your vows, consult your notary: a reliable source. Each notary makes sure to respect your requests so that the ceremony is as you imagined it. With our personalized approach and the desire to make this event as in your dreams, our celebrants are a sure choice for future spouses. Whatever the place of your marriage or your civil union, it is with pleasure that we will travel to unite you in the name of the law. What are the steps prior to the celebration of marriage? Before the ceremony, the notary will meet with you to explain the process of your union in depth and take note of your suggestions in order to prepare an event worthy of your expectations. The notary also takes the time to inform you of the effects of marriage or civil union on your family patrimony as well as the financial impact. Through his advice, you will know what to expect before and during your marriage. The purpose of this first meeting is to prepare you and therefore, to make the most of your union on D-Day. Do you know that your notary is a official authorized by law? What you need to know about civil union: The Civil Code recognizes the competence of the notary to solemnize marriages and civil unions. The services that your notary is able to provide you go well beyond the sole celebration. Your notary is a matrimonial law specialist and can inform and advise you on all the legal aspects of your union! Your wishes, are our commitment. Marriage contract: how does it work? The marriage contract or civil union is a certain value for the spouses. This official document allows you to determine in advance the division of your assets if an unexpected situation arises such as a divorce, a separation or the dissolution of a civil union. Simple and quick, this contract will prevent many conflicts and give you peace of mind. Moreover, it can always be modified at will by both parties. A marriage or civil union contract discussed, drafted and filed with the notary saves on legal costs while sparing you stress. For example, did you know that the law already provides that the property must be separated at 50% – 50%? However, it does not indicate in which order or the destinations of the unique goods of the division. Consulting us will allow you and your future spouse to protect your family patrimony and your assets. Thanks to our experienced notaries, you will be advised on the distribution of assets, such as properties, vehicles. Then you can unite with peace of mind. The notary… essential! The marriage contract must be notarized, that is to say signed by the spouses in the presence of a notary. Therefore, do not hesitate to consult a notary. He can advise you on the usefulness of the marriage contract according to your situation. When to make a marriage contract? The marriage contract can be made by the spouses before the celebration of the marriage. It then enters into force from the day of the celebration of the marriage. A future spouse under the age of 18 must obtain permission from the Court before making a marriage contract. The Court will also seek the opinion of his parents. The marriage contract can also be made after the celebration of the marriage. The contract then enters into force on the day of its signature. If the contract provides, for example, for a change of matrimonial regime, this puts an end to the matrimonial regime that existed between the day of the wedding and the signing of the marriage contract. Thus, there may be a division for assets accumulated during this period. To know the consequences of signing a marriage contract after your marriage, consult a notary. contact us 4 advantages of having a marriage contract Avantages d'avoir un contrat de mariage 1- Choose your matrimonial regime Les futurs époux peuvent choisir par contrat de mariage le régime matrimonial qui leur convient. Un régime matrimonial établit les règles de l’administration des biens des époux pendant le mariage et à sa fin, par exemple en cas de divorce ou de décès. Le contrat de mariage permet entre autres aux époux de choisir le régime de la séparation de biens ou de créer un régime sur mesure à leurs besoins, pour autant que le régime respecte la loi. Le contrat de mariage permet d’établir des règles matrimoniales plus souples et flexibles en fonctions des volontés des époux. 2- Make donations Même si elles sont moins fréquentes, des donations peuvent être prévues dans un contrat de mariage en faveur de l’autre époux ou de leurs enfants. Les donations peuvent notamment porter sur des biens, des immeubles ou des sommes d’argent. 3- Draft provisions in the event of death ILes époux peuvent prévoir des dispositions en cas de décès mais seulement en faveur de l’autre époux ou de leurs enfants. Le contrat de mariage est donc plus limité que le testament (où il est possible de désigner n’importe quelle personne). Le contrat de mariage peut donc assurer une protection aux époux ou à leurs enfants en cas de décès. Le contrat de mariage peut ainsi contenir « l’institution contractuelle », aussi connue comme la clause « au dernier vivant les biens ». Cette clause peut prévoir la remise de tous les biens à l’époux survivant en cas de décès de l’un d’eux. Pour les époux, il s’agit d’une alternative au testament. Ces dispositions peuvent être modifiées, par exemple dans un testament, à moins qu’il soit indiqué dans le contrat de mariage qu’elle est « irrévocable ». Si c’est le cas, la personne concernée doit donner son consentement pour les modifier. 4- Modify your marriage contract Les époux peuvent modifier leur contrat de mariage en tout temps en faisant une modification au contrat de mariage. Ils peuvent aussi créer un nouveau contrat de mariage. Cependant, le nouveau contrat de mariage doit être fait en présence de toutes les personnes concernées par le premier contrat de mariage et avec leur consentement. Par contre, si un créancier subit des dommages en raison de la modification du contrat de mariage par les époux, il peut demander au tribunal que la modification n’ait pas d’impact pour lui. Par exemple, un mari fait don d’une voiture à son épouse par contrat de mariage afin d’éviter que le véhicule ne soit saisi par le concessionnaire. Le concessionnaire pourrait demander au tribunal que le véhicule puisse être saisi malgré le don prévu au contrat de mariage Source: Éducaloi

CMVR Notaires analyse votre dossier d’achat ou vente selon les divers documents fournis. Le notaire procédera à un examen des titres, soit une vérification diligente des titres de propriété afin d’acheter un titre clair. PARLONS HYPOTHÈQUE How does a mortgage work? ? A mortgage is a right, related to a property, which is given by a person as security when refinancing or buying a property. The main obligation generated by this mortgage is the obligation to pay by the debtor all sums due to the creditor. If the debtor defaults on this obligation, the creditor may use the hypothecary remedies granted to him by law. For this mortgage to be valid, the parties must sign before a notary. Only the notary has the authority to sign such a document under the Civil Code of Quebec under penalty of nullity. The notary will then publish the mortgage on the land register in order to make it public. We are therefore present at this stage to draw up all the relevant documents and advise you on the rights and obligations arising from the mortgage. What you need to know about the mortgage: Many homeowners don't know it, but their entire property is mortgaged. With the subsidiary mortgage, more and more financial institutions take out a guarantee on 100% of the value of the property, sometimes even any further. What are the advantages and disadvantages? Inform yourself.

CMVR Notaires analyse votre dossier d’achat ou vente selon les divers documents fournis. Le notaire procédera à un examen des titres, soit une vérification diligente des titres de propriété afin d’acheter un titre clair. PARLONS QUITTANCE D'HYPOTHÈQUE What is a loan discharge? A loan discharge is a mandatory step to free yourself from a mortgage loan. Indeed, it is the document showing that the creditor acknowledges having received the amounts due to him and therefore that he agrees to cancel the mortgage published on the land register. It is necessary to free oneself from a mortgage loan, even if the balance of this loan is zero. In particular, this is required when repaying a mortgage loan, selling a property or refinancing. What is the difference between a loan discharge and a waiver? A loan discharge is a document in which the creditor certifies that he has received all the sums owed to him and that he agrees to release the building which had been given as security. As for the release, it suspends the rights of the creditor on a building, but does not certify that all the sums due have been paid. For example, the release could be used in the case where several buildings have been given as security but only one must be removed from the mortgage. Contact us to discuss The main steps for a loan discharge Here are the main steps that the notary will perform in a loan discharge file: 1) Verification of the identities of the parties. 2) Verification of account statements and mortgage balance. 3) Research the obligations and charges secured by the loan (line of credit, legal construction mortage, etc.). 4) Loan repayment 5) Publication of the receipt in the Quebec Land Registry.