REAL ESTATE SERVICES
First-Time Home Buyer Services
Clear guidance through budgeting, available programs, contracts and moving into your first home.
01.First-Home Budget Analysis
We consider cash on hand, down payment, income, existing debts and estimated mortgage capacity, alongside property taxes, strata fees, insurance, utilities and maintenance to assess affordable monthly housing costs.
02.First-Time Buyer Benefits & Taxes
We review potential BC First Time Home Buyers’ Program PTT exemptions, newly built home PTT relief and federal GST/HST new-home rebates. Eligibility, price thresholds, occupancy and application requirements vary; mortgage and tax professionals may be consulted.
03.Mortgage Pre-Approval & Financing
We explain how pre-approval differs from final mortgage approval, and review down-payment sourcing, underwriting conditions, interest rates and monthly payments to reduce financing surprises.
04.Home Selection & Long-Term Value
We assess not only whether a home works today but also its future resale appeal, including location, transit, layout, fees, building maintenance, nearby supply and marketability.
05.From Offer to Subject Removal
We explain offers, negotiations, inspections, strata reviews, financing and subject removal step by step, including deposits, contractual deadlines and buyer obligations.
06.Closing Costs & Move-In Preparation
We review potential PTT, legal fees, insurance, adjustments and moving costs, then outline legal completion, title transfer, key pickup and utility setup.