#BC Real Estate
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Debt Service Ratio BC: GDS & TDS Mortgage Approval Limits
GDS and TDS are the two ratios that decide your mortgage in BC. See the 39% and 44% limits, what counts in each, and worked Surrey and Vancouver examples.
Hamidreza Etebarian
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Leasehold vs Freehold in BC: What You're Actually Buying
Leasehold homes in BC cost 10-25% less than freehold, but you don't own the land and the lease expires. How it works at UBC, SFU UniverCity and on First Nations land.
Hamidreza Etebarian
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Mortgage Pre-Approval BC 2026: What Lenders Check and How Long It Lasts
A pre-approval sets the exact price range you can shop in and locks your rate for up to 120 days. Here is what BC lenders check and how the stress test shrinks your number.
Hamidreza Etebarian
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BC Foreclosure Process 2026: Timeline, Redemption Period & Court Approval
A BC foreclosure runs through the Supreme Court, not a bank auction. Here is the full timeline, the 6-month redemption period, and why your offer is not final until a judge approves it.
Hamidreza Etebarian
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Selling a House in BC 2026: Full Cost Breakdown on a $1.2M Sale
A BC seller on a $1.2M Metro Vancouver home pays $110K to $130K in total transaction costs. Here is every line, with current 2026 numbers and the three ways sellers can save.
Hamidreza Etebarian
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BC Rent Report June 2026: Median Asking Rents by City
BC median asking rent is $2,250, down 6.25% year over year. See current median rents across 27 cities, from $1,550 in Prince George to $4,375 in West Vancouver.
Hamidreza Etebarian
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Multiple Offer Bidding War in BC 2026: Win Without Overpaying
A BC buyer who wins a 12-offer bidding war typically pays 8-18% over list. Here is how multiple-offer situations actually work, the 4 strategies that win without overpaying, and when to walk away.
Hamidreza Etebarian
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Capital Gains Tax on Rental Property BC 2026: How Much You'll Pay
Selling a BC rental property for $920K with a $370K gain triggers roughly $75K-$105K in capital gains tax. Here is how the 50% inclusion rate works in 2026 and 5 ways to legitimately reduce the bill.
Hamidreza Etebarian
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Legal Basement Suite BC 2026: Requirements, Costs to Legalize, Value
A legal BC basement suite adds $80K to $200K in home value, but 30-40% of rented BC suites are illegal. Bill 44 (SSMUH) now permits suites broadly, but the BC Building Code still applies. Here are the requirements, costs to legalize, and the financial gap.
Hamidreza Etebarian
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Laneway House Vancouver 2026: Build Costs, Rental Yields, Permits
A Vancouver laneway house costs $400K-$650K to build, takes 12-22 months, and earns 3.8-5.2% net rental yield. Vancouver's R1-1 zoning lets you add one as of right — rental only, not sold separately.
Hamidreza Etebarian
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Special Levy BC 2026: Sizes, Triggers & How to Spot Them Coming
A BC special levy hits $5K to $80K per unit on building envelope, roof, or plumbing repairs. Here is how levies get approved, typical sizes by repair type, and 5 signs one is coming.
Hamidreza Etebarian
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Strata Fees BC 2026: What's Included, Average Costs, Red Flags
Metro Vancouver strata fees run $0.55 to $0.90 per square foot, $440 to $720 monthly on an 800 sqft unit. Here is what they cover, where the money goes, and 5 red flags fees are about to rise.
Hamidreza Etebarian