Making Your Dream Home a Reality


Welcome to Home Ownership!  Buying a home can be a bit overwhelming, especially if you are a first time home buyer.  When we meet with you, we will go over all the details, and make sure you are fully prepared for the home buying experience.  Its all about helping you find the right house, in the right neighbourhood, for the best possible price.  Here are a few tips to help you understand the process.  If you would like more information, or if you have any questions about buying a house for the first time, contact us.



  • Get pre-approved.  Meet with your Mortgage Broker, or local bank, and find out how much you can afford.  Sellers will be much more receptive to potential buyers who have been pre-approved.  You will also avoid being disappointed when going after homes that are out of your price range.  Once you determine your budget, stick to it!  

  • Make a list of needs and wants, and stay objective  Buying a home can be an emotional process, and it can be hard to set those emotions aside and be objective.  Before you start looking, you should make two lists.  The first list should be a list of must have's (ie. 3 bedrooms, 2 bathrooms). The second list should be things you would like to have (ie. granite counters, pool) but that aren't necessary.  The list will come in handy, especially if a property shows well, but doesn't have the things that matter most to you.  Buying a home is a big decision, so don't rush.  Its important to take your time, and find the house that will work for your needs.

  • Know the standard costs of buying a home.   The biggest factor when buying a house is your deposit.  You will need at least 5% down.  When you purchase a house in BC, you will pay a Property Transfer Tax.  It is calculated at 1% on the first hundred thousand, and 2% on the balance.  There are also legal fees, a home inspection to pay for, house insurance, and sometimes CMHC fees, if applicable.  There might be some bank fees, such as appraisal fees or mortgage insurance, if required.  Don't forget about the costs that come with moving, including things that might cost you after you move in like furnishings, paint, or updating fixtures.  By knowing what to expect ahead of time, you can properly plan out your budget.  


  • Understand market conditions.  Supply and demand can change neighbourhood to neighbourhood, area to area.  Working with you, we will help you navigate the current market conditions. 
Kristin McDonald and Shawn McDonald prec
Direct: 250-668-9565
Office : 250-756-1132
Toll Free: 1-800-377-4374
Fax: 250-756-1210
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The trademarks MLS®, Multiple Listing Service® and the associated logos identify professional services rendered by REALTOR® members of CREA to effect the purchase, sale and lease of real estate as part of a cooperative selling system.
MLS®, REALTOR®, and the associated logos are trademarks of The Canadian Real Estate Association.