Buying A Home | Blog - Buyer & Seller Resources Blog

Wednesday, August 13, 2025   /   by Janine Thomson

Helping You Navigate the Home Buying Journey with Confidence and Care

Whether you’re a first-time buyer or experienced investor, buying a home is a major milestone—and I’m here to support you every step of the way. Below is an overview of the services I provide to ensure you’re informed, protected, and supported throughout your real estate transaction.

Buyer Services Checklist

1. Initial Consultation

Discuss your goals, budget, lifestyle needs, and preferred locations


 Explain the full buying process and current market conditions


Provide information about available mortgage options and referrals


 Customize a property search strategy


2. Property Search & Showings

 Set you up with MLS alerts tailored to your criteria


Arrange private showings, virtual tours, or video walk-throughs


Provide insight into each neighbourhood, school zones, and amenities


3. Education & Guidance

Share educational materials for first-time buyers, strata purchases, and inv6 ...

  buying a home

Wednesday, October 30, 2024   /   by Janine Thomson

The Facts on Closing Costs for Buyers

Buying a home in Victoria, BC, is an exciting process, but beyond the sale price, buyers need to prepare for additional expenses known as closing costs. These costs cover various fees and charges associated with finalizing the purchase, and understanding them can make your buying process much smoother. Let’s break down the major closing costs you can expect as a homebuyer in Victoria.
1. Property Transfer Tax (PTT)
The Property Transfer Tax is one of the largest closing costs in British Columbia. It’s calculated as a percentage of the property’s fair market value at the time of purchase:
1% on the first $200,000
2% on the portion between $200,000 and $2,000,000
3% on the portion above $2,000,000
For example, on a $900,000 home, this tax would amount to $16,000. However, there are a few exemptions, such as for first-time homebuyers purchasing homes under a certain value or newly built homes that meet specific criteria.
2. Legal Fees an. ...

  buying a home

Tuesday, October 29, 2024   /   by Janine Thomson

How to Compete in a Bidding War Strategically

Navigating a bidding war in British Columbia’s competitive real estate market can be a challenging experience. As a buyer, you want to make your offer appealing without overpaying. While it’s tempting to keep raising your bid to win, a smart approach can improve your chances of success while keeping your budget in check.
Here’s how to compete in a bidding war strategically, ensuring you don’t overpay.

1. Get Pre-Approved and Know Your Financial Limits
Start by obtaining a mortgage pre-approval, which not only shows sellers you’re serious but also sets a clear boundary for your budget. A pre-approval gives you a realistic view of how much you can afford, helping you stay disciplined in a competitive bidding environment. It’s essential to stick to this limit and avoid getting emotionally swayed by the excitement of a bidding war.

2. Work with a Skilled Real Estate Agent
A knowledgeable agent can be invaluable in a bidding war. They. ...

  buying a home

Sunday, October 27, 2024   /   by Janine Thomson

Top Questions to Ask When Viewing a Home

When you’re exploring the possibility of purchasing a home in British Columbia, it’s important to know which questions to ask to ensure that the property is right for you. The real estate market in BC can be competitive and fast-paced, making it crucial to gather as much information as possible before making an offer. Here are some top questions to consider when viewing a home in BC:
1. What is the Home’s History?
Understanding a home’s past can reveal insights into its condition, repairs, and maintenance history. Ask the seller or real estate agent:
How old is the home?
Has it undergone any significant renovations or upgrades?
Are there any known issues or defects?
Have there been any recent repairs or replacements, such as roofing, plumbing, or electrical work?
This information can help you estimate future maintenance costs and potential repairs, as well as identify any red flags that could affect your decision.
2. What are the Monthly and Annual Cos. ...

  buying a home

Friday, August 2, 2024   /   by Janine Thomson

When Is the Best Time to Sell or Buy a Home in Victoria, BC?

Timing can significantly impact your real estate transaction, whether you're buying or selling a home in Victoria, BC. The real estate market fluctuates throughout the year, influenced by seasonal trends, economic factors, and local demand. Understanding these patterns can help you make informed decisions and maximize your benefits. Here’s a breakdown of the best times to sell or buy a home in Victoria, BC, and the reasons behind them.
Best Time to Sell a Home in Victoria, BC


Spring (March to May)

Why It’s the Best: Spring is traditionally the most active season for home sales. The weather improves, gardens bloom, and homes generally look more appealing. Buyers are more motivated to move during the warmer months, and families often aim to settle before the next school year.
Benefits for Sellers:

Higher Demand: Increased buyer activity leads to more competition and potentially higher offers.
Better Presentation: Homes show better with natural light and blooming. ...

  victoria real estate, selling a home, buying a home