How I Can Help You
Get the Mortgage You Deserve
For me, there’s no higher priority than achieving client satisfaction. I work diligently towards providing the real estate financing solutions my clients need, based on their unique financial situations and lifestyle preferences. Check out some of my specialized services below to learn more.
This is me, an experienced Mortgage Specialist who can help you achieve your goals by inspiring you to invest and make the right decision that will benefit you in the future and also cover your immediate priorities. I have worked with first-time homebuyers to get their first home and gain equity in a short term to grow their net worth. I feel proud when I get feedback from my clients with whom I have spent time and made a difference in their life. My goal is to make you DEBT FREE in the future and let you enjoy your RETIREMENT.
Mortgage Lending
Each of my services caters toward getting my clients the best options possible, no matter their financial situation or real estate background. Contact me today to see what I can do for you. Check out my opening hours and schedule a consultation appointment today!
Credit Assessment
Whether you need help negotiating a mortgage or buying a new home, I can manage all your mortgage needs. My services will take the complications out of the process. You’ll be surprised by how easy your life becomes once we work together by simply contacting me, we can find out what is best available for you.
As of Dec 15th, 2024, and a new announcement in June 2025, several programs and tax exemptions are available to assist first-time home buyers (FTHBs) in British Columbia (BC).
Here's a breakdown of the key benefits and how they apply:
🏠 Property Transfer Tax (PTT) Exemption
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Full Exemption: Available for homes priced up to $500,000.
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Partial Exemption: Applies to homes priced between $500,000 and $860,000, with the exemption amount decreasing as the property value increases.
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Ineligibility: Homes priced above $860,000 do not qualify for any exemption.
This exemption can save first-time buyers up to $8,000 on property transfer tax.
🧾 GST Rebate on New Homes
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100% GST Rebate: For newly built homes priced up to $1 million, providing savings up to $50,000.
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Phased Rebate: For homes priced between $1 million and $1.5 million, the rebate decreases proportionally.
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No Rebate: Homes priced above $1.5 million are not eligible.
This rebate applies to new constructions, including assignment sales and self-built homes.
📅 Extended Amortization Period
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30-Year Amortization: First-time buyers can now opt for a 30-year amortization period on insured mortgages, applicable to both new and existing homes.
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Benefits: This extension reduces monthly mortgage payments, enhancing affordability.
💰 Enhanced RRSP Home Buyers’ Plan
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Increased Withdrawal Limit: First-time buyers can withdraw up to $60,000 from their Registered Retirement Savings Plan (RRSP) to finance their home purchase, up from the previous limit of $35,000.
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Repayment: The withdrawn amount must be repaid over a 15-year period.
💡 Additional Incentives
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First Home Savings Account (FHSA): Allows first-time buyers to save up to $40,000 tax-free for their home purchase.
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Down Payment Match Program: In select provinces, the federal government offers a 5% match (up to $25,000) on the buyer's down payment savings.
These initiatives aim to make homeownership more accessible for first-time buyers in BC by reducing upfront costs and monthly payments. It's advisable to consult with a mortgage professional to understand how these programs can be tailored to your specific situation.
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