Field notes from the Metro Vancouver real estate market — strategy, structure, and the questions clients most often ask before they sign.
Every line item from PTT and GST to legal fees, title insurance, and appraisal — plus the three annual disclosures once you own (Empty Homes Tax, BC SVT, federal UHT). Includes an interactive PTT calculator.
Who counts as non-Canadian, which property types and regions are covered, key exemptions (PR, work permits, spouses, BC PNP), and how long each rule applies. Federal Prohibition Act + BC 20% surtax — on one page.
Every federal and BC program that puts money back in a first-time buyer's pocket — Home Buyers' Amount, HBP, FHSA, the new $50K FTHB GST Rebate, PTT exemptions. With links to every official page.
Every step from pre-approval to keys — pre-approval, deposit timing, subject removal, completion, possession, and getting the keys. With links to official BC government, BCFSA, LTSA, and CMHC resources.
Every step from disclosure statement review to keys — 7-day rescission, deposit instalments, outside completion date, pre-delivery inspection, and the lender programs that lock you in years ahead.
The RTB-1 standard tenancy agreement, RTB-27 condition inspection, deposit rules, scam warnings, and how to verify the landlord's authority — with Residential Tenancy Branch official links.
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