For Sellers

Residential Home Sales

Expert guidance through every facet of selling your property, from bespoke marketing strategies and professional staging to precision pricing and masterful negotiation.

  • Professional photography & videography
  • Targeted digital marketing campaigns
  • Expert staging consultation
  • Strategic pricing analysis
  • Skilled offer negotiation
  • Comprehensive closing coordination
For Buyers

Buyer Representation

A curated home search experience tailored to your lifestyle and aspirations. From pre-market opportunities to final walkthrough, every detail is handled with care and discretion.

  • Personalized property matching
  • Pre-market & pocket listing access
  • Neighbourhood deep-dive tours
  • Offer strategy & negotiation
  • Home inspection coordination
  • Seamless closing support
For Investors

Investment Strategy

Build long-term wealth through strategic real estate investment. Leverage deep market analytics, growth corridor insights, and portfolio optimization to make informed decisions.

  • Market trend analysis & forecasting
  • ROI & cash flow projections
  • Multi-property portfolio strategy
  • Pre-construction opportunities
  • Rental property evaluation
  • Tax-efficient structuring guidance
Negotiation

Contract Negotiation

Skilled negotiation backed by comprehensive market data. Every clause, every condition, and every dollar is strategically positioned to protect your interests.

  • Data-driven offer preparation
  • Multi-offer strategy management
  • Subject removal guidance
  • Price & terms optimization
  • Risk mitigation planning
  • Closing timeline management
Intelligence

Market Analysis

Data-driven comparative market analyses and neighbourhood deep-dives that empower you with the knowledge to make confident, well-timed real estate decisions.

  • Comparative Market Analysis (CMA)
  • Neighbourhood trend reports
  • Price appreciation tracking
  • Supply & demand monitoring
  • Investment corridor identification
  • Custom market briefings
Full Service

Concierge Service

A seamless, end-to-end experience connecting you with trusted professionals for a truly turnkey transition into your new home.

  • Mortgage advisor introductions
  • Home inspector referrals
  • Legal & notary coordination
  • Moving & relocation support
  • Interior design connections
  • Post-purchase ongoing support
The Process

Your Journey, Simplified

01

Discovery Call

A complimentary consultation to understand your goals, timeline, and vision, setting the foundation for a tailored experience.

02

Tailored Strategy

A customized plan built around your unique needs, from market positioning and pricing to search criteria and negotiation approach.

03

Expert Execution

Every detail managed with precision: marketing, showings, offers, inspections, and paperwork handled seamlessly on your behalf.

04

Closing & Beyond

A seamless closing process followed by ongoing support, because the relationship does not end at the transaction.

BC Property Transfer Tax Calculator

Calculate the Property Transfer Tax required when purchasing property in British Columbia.

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Exemption applies to properties up to $835,000 (partial up to $860,000)

Transfer Tax Breakdown

First $200,000 (1%): $0
$200K - $2M (2%): $0
$2M - $3M (3%): $0
Over $3M (5%): $0
Total Transfer Tax: $0

Understanding BC Property Transfer Tax (PTT)

The BC Property Transfer Tax (also known as BC PTT) is a provincial tax applied when you purchase property in British Columbia. Whether you're buying your first home in White Rock, investing in Surrey real estate, or purchasing a luxury property in Vancouver, understanding this tax is crucial for budgeting your home purchase.

How is BC Transfer Tax Calculated?

BC property transfer tax uses a tiered bracket system based on your purchase price:

First $200K

1% on the first $200,000 of the property's fair market value

$200K - $2M

2% on the portion between $200,000 and $2,000,000

$2M - $3M

3% on the portion between $2,000,000 and $3,000,000

Over $3M

5% on the portion above $3,000,000 (luxury property tax)

BC Transfer Tax Examples

Example 1: $500,000 Home in Surrey
  • First $200,000 @ 1% = $2,000
  • $200,000 to $500,000 ($300,000) @ 2% = $6,000
  • Total PTT: $8,000
Example 2: $1,200,000 Home in White Rock
  • First $200,000 @ 1% = $2,000
  • $200,000 to $1,200,000 ($1,000,000) @ 2% = $20,000
  • Total PTT: $22,000

First-Time Home Buyer Exemption in BC

If you're a first-time home buyer in British Columbia, you may qualify for a full or partial property transfer tax exemption:

Exemption Tiers

  • Full exemption: Properties up to $500,000 (pay $0 transfer tax)
  • Partial exemption: Up to $8,000 reduction for properties between $500,000 and $835,000
  • Reduced exemption: Gradually phases out between $835,000 and $860,000
  • No exemption: Properties over $860,000

Eligibility Requirements

To qualify for the BC first-time home buyer exemption, you must:

  • Be a Canadian citizen or permanent resident
  • Have lived in BC for 12 consecutive months immediately before registration, or filed 2 income tax returns as a BC resident in the past 6 years
  • Never owned a principal residence anywhere in the world
  • Occupy the property as your principal residence within 92 days

Foreign Buyer Tax in BC

Foreign nationals and foreign corporations purchasing residential property in BC's specified taxable regions (including Metro Vancouver, Fraser Valley, Capital Regional District, and Nanaimo) must pay an additional 20% property transfer tax on top of the regular PTT.

Frequently Asked Questions

Is property transfer tax tax-deductible?
No, BC property transfer tax is not tax-deductible for personal residences. However, it may be deductible for investment properties - consult with a tax professional.
Do I pay transfer tax on new construction?
Yes, property transfer tax applies to new construction homes purchased from builders in BC.
Can I avoid paying BC transfer tax?
The only legal way to avoid or reduce transfer tax is through qualifying exemptions like the first-time home buyer exemption or family transfers.
What areas does this calculator cover?
This BC transfer tax calculator applies to all residential and commercial properties throughout British Columbia, including Metro Vancouver, Fraser Valley, Vancouver Island, and the Interior.

Need Expert Guidance?

As a licensed REALTORĀ® serving Metro Vancouver and the Fraser Valley, I help buyers navigate BC property transfer tax, secure first-time buyer exemptions, and understand all closing costs. Contact me today for personalized advice on your home purchase.

Mortgage & Down Payment Calculator

Calculate your down payment requirements and estimated monthly mortgage payments.

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Down Payment

Your Down Payment: $0
Minimum Required (Canada): $0

Monthly Payment

Monthly Payment: $0
Mortgage Amount: $0
Total Interest Paid: $0
Total Amount Paid: $0

Monthly Homeownership Costs

Add your recurring costs to see the true total monthly cost of owning your home.

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Divided by 12 for monthly amount
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Divided by 12 for monthly amount
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Cost Breakdown

Mortgage Payment: $0
Strata / HOA Fees: $0
Property Taxes: $0 /mo
Home Insurance: $0 /mo
Utilities: $0
Total Monthly Cost: $0

Canadian Mortgage & Down Payment Calculator Guide

Use our free Canadian mortgage calculator to estimate your monthly mortgage payments, understand down payment requirements, and plan your home purchase budget. Whether you're buying in Metro Vancouver, Fraser Valley, or anywhere in BC, this calculator provides accurate mortgage estimates based on Canadian lending rules.

Canadian Down Payment Requirements

In Canada, your minimum down payment depends on your home's purchase price:

Up to $500K

5% minimum on the first $500,000 of the purchase price

$500K - $1M

10% minimum on the portion between $500,000 and $1,000,000

Over $1M

20% minimum for homes over $1,000,000 (no mortgage insurance available)

Down Payment Examples

Example 1: $500,000 Home
  • Minimum required: 5% = $25,000
  • Recommended: 20% = $100,000 (avoids CMHC insurance)
Example 2: $750,000 Home
  • First $500k @ 5% = $25,000
  • Next $250k @ 10% = $25,000
  • Minimum required: $50,000 (6.67%)
Example 3: $1,200,000 Home
  • Minimum required: 20% = $240,000
  • (Homes over $1M require 20% down)

What is CMHC Mortgage Insurance?

CMHC (Canada Mortgage and Housing Corporation) insurance is required when your down payment is less than 20%. This mortgage default insurance protects the lender if you default on your mortgage.

  • Cost: 0.6% to 4.5% of your mortgage amount (varies by down payment size)
  • Payment: Usually added to your mortgage principal and paid over time
  • Benefit: Allows you to buy with as little as 5% down
  • How to avoid: Put down 20% or more

Understanding Mortgage Amortization

Amortization is the total length of time it will take to pay off your mortgage. In Canada, common amortization periods are:

  • 25 years: Standard amortization (required for down payments under 20%)
  • 30 years: Available only with 20%+ down payment
  • Shorter (10-20 years): Higher payments but less interest paid overall

Additional Homebuying Costs in BC

Beyond your down payment and monthly mortgage, budget for these closing costs:

  • BC Property Transfer Tax: 1-5% based on purchase price (use our calculator above)
  • Legal fees: $1,500 - $3,000
  • Home inspection: $500 - $800
  • Appraisal fee: $300 - $500
  • Title insurance: $200 - $400
  • Moving costs: $500 - $2,000+

Frequently Asked Questions

How much house can I afford in BC?
Generally, your mortgage should not exceed 4-5 times your annual household income. Use the mortgage calculator above to determine comfortable payment amounts based on your budget.
What's included in my monthly mortgage payment?
Your payment includes principal and interest. Additionally, you'll pay property taxes, home insurance, and possibly strata fees (for condos) separately or bundled.
Can I pay off my mortgage early?
Most Canadian mortgages allow 10-20% prepayment annually without penalty. Check your mortgage terms for specific prepayment privileges.
What credit score do I need for a mortgage in Canada?
Minimum 600-650 for conventional mortgages. A score of 680+ typically gets you better rates. 700+ is ideal for the best mortgage rates.
Should I choose fixed or variable rate?
Fixed rates provide payment stability and protection from rate increases. Variable rates may be lower but can fluctuate. Consult with a mortgage professional to determine the best option for your situation.

Ready to Buy a Home in BC?

I work with trusted mortgage brokers and lenders to help you secure the best financing for your home purchase. Get expert advice on mortgage pre-approvals, down payment strategies, and first-time buyer programs. Let's discuss your home buying goals.

Full-Service Experience

Concierge Services

A seamless, end-to-end experience connecting you with trusted professionals at every stage of your real estate journey.

For Sellers

Prepare Your Home for Market

We coordinate every detail to ensure your property makes the strongest possible first impression, maximizing your sale price and minimizing time on market.

Staging Consultation

Professional staging advice and coordination to showcase your home's best features and appeal to today's buyers.

Professional Photography & Videography

High-quality photos, video tours, and drone footage that capture your property in its best light for online and print marketing.

Pre-Listing Inspection Coordination

Arrange pre-listing inspections to identify and address potential issues before they become buyer objections.

Home Cleaning & Repairs

Connect with trusted cleaning crews and repair professionals to ensure your home is move-in ready for showings.

Moving & Storage Coordination

Vetted moving companies and storage solutions to make your transition as smooth and stress-free as possible.

For Buyers

Your Turnkey Home Purchase

From financing to moving day, we connect you with the right professionals so you can focus on finding your perfect home.

Mortgage Broker Introductions

Connections to experienced mortgage brokers who secure competitive rates and guide you through the pre-approval process.

Home Inspection Scheduling

Coordination with certified home inspectors to thoroughly evaluate the condition of your prospective property.

Legal & Notary Coordination

Referrals to trusted real estate lawyers and notaries to handle contracts, title transfers, and closing documentation.

Insurance Setup

Introductions to insurance professionals for home, title, and mortgage insurance tailored to your needs.

Utility Transfers & Setup

Guidance and assistance with transferring or setting up hydro, gas, internet, and other essential services at your new home.

For Investors

Maximize Your Investment Returns

Strategic connections and insights to help you build, manage, and optimize your real estate investment portfolio.

Property Management Referrals

Vetted property management companies to handle tenant relations, maintenance, and rent collection on your behalf.

Rental Market Analysis

Detailed rental comparables and market data to help you set competitive rates and maximize occupancy.

Renovation Contractor Connections

Trusted contractors and tradespeople for renovations, upgrades, and value-add improvements to your investment properties.

Tax Advisor Introductions

Connections to accountants and tax professionals specializing in real estate investment and tax-efficient structuring.

Portfolio Review & Strategy

Comprehensive portfolio analysis with strategic recommendations for growth, diversification, and long-term wealth building.

Ready to experience a different level of service?

Let’s discuss how I can help you achieve your real estate goals with a personalized, strategic approach.

Book a Consultation