#Home Buying Guide
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How Long Does It Take to Buy a House in BC? (2026 Timeline)
A realistic week-by-week BC home buying timeline: 12 to 16 weeks from decision to keys, covering pre-approval, shopping, subject removal, and conveyancing.
Hamidreza Etebarian
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Multigenerational Home Renovation Tax Credit: $7,500 Back for BC Families
The federal Multigenerational Home Renovation Tax Credit refunds up to $7,500 for adding a self-contained suite for a parent 65+ or a relative with a disability. Here's how BC families actually use it.
Hamidreza Etebarian
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Closing Costs in BC: Full Breakdown for a $1M Home (2026)
Closing costs on a $1M home in BC run $25,000 to $40,000 in cash on top of your down payment. Here's the full 2026 breakdown: PTT, GST, legal, CMHC, and adjustments, with a worked example.
Hamidreza Etebarian
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How Much Does a Home Inspection Cost in BC? (2026 Price Guide)
A BC home inspection costs $400 to $800 for most homes, plus $150 to $400 each for specialty add-ons like sewer scopes and oil tank scans. Here is what you pay, what is included, and when to walk away.
Hamidreza Etebarian
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Best Neighbourhoods in Coquitlam to Buy in 2026
Coquitlam has 1,354 active listings with a $941,950 median. Six neighbourhoods ranked for 2026, from $668K SkyTrain condos to $1.69M Burke Mountain homes.
Hamidreza Etebarian
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MLS API Canada: Plug Live BC Listings Into ChatGPT and Claude (MCP)
Zealty just shipped a free MLS API for Canada through the Model Context Protocol. Connect ChatGPT, Claude, or Cursor and ask plain-English questions against 21,000+ live BC listings.
Pedram Taheri
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Title Insurance BC: What It Costs and Why You Probably Need It
Title insurance in BC is a $250 to $700 one-time premium that covers what the land title registry does not: fraud, undisclosed liens, encroachments, and unpermitted work. Here is what it actually pays for and when to buy it.
Hamidreza Etebarian
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High-Ratio Mortgage BC: What It Is and How to Avoid It (Or Use It)
A high-ratio mortgage means less than 20% down and mandatory default insurance, which can add $26,000+ to your loan on a typical BC condo. Here is when to avoid it, when to use it, and how the 2026 rules work.
Hamidreza Etebarian
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Bridge Financing BC 2026: Buy Before You Sell (Costs & Rates)
How bridge loans work in BC: prime + 2-4% rates, the firm-sale rule, real costs on a Metro Vancouver move, and when a HELOC or subject-to-sale offer is a better fit.
Hamidreza Etebarian
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BC Mortgage Renewal 2026: 6-Month Checklist to Save $5K+
Your BC mortgage renewal is a negotiation, not a notice. Start at 6 months out to lock rate holds, shop lenders, and skip the stress test on a straight switch.
Hamidreza Etebarian
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CMHC Insurance BC 2026: Premiums, Calculator & When You Pay
CMHC mortgage insurance kicks in any time your down payment is below 20 percent. On a $1.1M Metro Vancouver condo at 10% down, the premium is $30,690 rolled into your mortgage. Here is how the 2026 rates work and the $1.5M insurable cap.
Hamidreza Etebarian
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Variable vs Fixed Mortgage in BC 2026: Math, Penalties, BoC Outlook
5-year variable in BC is 3.35%, fixed is 4.04%. Variable saves money if the Bank of Canada holds at 2.25%. Fixed wins if hikes return. Here is how to pick.
Hamidreza Etebarian