Know your numbers before you shop.

• 01 · First home

  What your first home really costs

  Enter a price and your savings. See the cash you need on day one.

  • Minimum down payment and mortgage insurance
  • Monthly payment
  • Property transfer tax, after any exemption
  • GST and the first-time buyer rebate on new homes
  Work out my costs
• 02 · Downsizing

  Sell, then buy smaller

  See what's left from your sale after the mortgage and selling costs, and what it buys next.

  • Equity after payout and commission
  • Cash left after your next home
  • Whether you may need bridge financing
  Work out my move
• 03 · Programs

  Which programs fit you

  Answer seven yes-or-no questions. See which government programs you're likely to qualify for.

  • FHSA and the Home Buyers' Plan
  • BC first-time and new-build tax exemptions
  • Federal GST rebate on new homes and the Home Buyers' Amount
  Check my programs

• Property transfer tax and exemptionsGovernment of British Columbia
• Minimum down paymentFinancial Consumer Agency of Canada
• Mortgage loan insurance premiumsCanada Mortgage and Housing Corporation
• Preparing to get a mortgage (stress test, GDS and TDS)Financial Consumer Agency of Canada
• First-time home buyers' GST rebate (Bill C-4)Parliament of Canada
• First Home Savings AccountCanada Revenue Agency
• Home Buyers' PlanCanada Revenue Agency

These are estimates to help you plan, not financial, tax or legal advice. Your lender, lawyer or notary and the government confirm the final amounts and whether you qualify.

• All guidesFirst homes and downsizing, in plain language
• Surrey, Langley, Burnaby and CoquitlamThe kinds of homes, transit and schools in each area