Sell, then buy smaller: BC downsizing calculator

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The home you're selling Sale price Mortgage payout What your lender says it takes to pay the mortgage off, including any prepayment penalty. 0 if it's paid off.

Commission

Commission isn't set by law. Enter the rates in your listing agreement (0 if you're selling it yourself). GST (5%) is added to the fee.

On the first $100,000 On the rest

Your next home Price

The next home is ResaleLived in before Newly builtNever lived in

Your own estimates

We don't guess these for you. Ask a lawyer or notary and a moving company for a quote.

Legal or notary, sale Legal or notary, purchase

Moving

Timing

Which completes first? Sell firstThen buy Buy firstThen sell

Days between the two completions From your sale completing to your purchase completing. 0 if they're on the same day.

Cash left after your move $0 After the sale, the purchase and moving.

The sale

Sale price
Mortgage payout
Commission
Legal or notaryYour estimate
Your equity

The next home

Price
Property transfer tax
GST (5%)
Legal or notaryYour estimate
MovingYour estimate
Total cost

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I'll go through your numbers with you, against what homes like yours are selling for and the homes you're looking at next.

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Your plans (optional)

Before you share your plans: BC rules ask me to give you the Disclosure of Representation in Trading Services (BCFSA, PDF). It explains the ways a Realtor can work with you and what each one means.

I've read the disclosure. Include the numbers from the calculator.

Timeline Anything else?

Yes, Mahdi Hejazi (Real Broker B.C. Ltd.) can email me listings, market updates and buying tips. I can unsubscribe at any time. Yes, Mahdi Hejazi (Real Broker B.C. Ltd.) can text me about my home search. Reply STOP to opt out at any time.

I use what you share here only to reply to you and help with your move. Privacy

Where the figures come from

Government rules, checked October 2026

Tax figures follow the official rules below. Commission, legal, moving and timing are your own figures.

Property transfer tax rates: 1% to $200,000, 2% to $2 million, 3% above that, and 2% more on the residential part over $3 millionGovernment of British Columbia
Newly built home exemption: who qualifiesGovernment of British Columbia
Newly built home exemption amounts: full to $1.1 million, partial to $1.15 millionGovernment of British Columbia
GST rate in BC (5%), on new homes and on commissionCanada Revenue Agency

These are estimates to help you plan, not financial, tax or legal advice. The new-build exemption has other conditions, such as living in the home. Your lender, lawyer or notary and the government confirm the final amounts and whether you qualify. Bridge financing is up to your lender, who sets its rate, fees and terms.

Before you list

Downsizing in Greater VancouverSell first or buy first, bridge financing and the costs on both sides
Surrey, Langley, Burnaby and CoquitlamThe kinds of homes, transit and schools in each area

Sell, then buy smaller.

Want me to check them?

Thanks, it's with me.

Government rules, checked October 2026

Before you list