For Buyers & Sellers

Buyer & Seller Tools

Free calculators and official Government of British Columbia and Canada resources to help you plan a purchase or sale in Greater Victoria. Every link opens the source directly, so you always see the current rules and numbers.

Calculators

Mortgage payment calculatorEstimate your payments and see how prepayments save interest. Government of Canada. Mortgage qualifier toolSee the home price and mortgage you may qualify for. Government of Canada. Property transfer tax calculatorEstimate the B.C. tax you pay on closing, before exemptions. Province of B.C. Property assessment searchLook up any B.C. property and its assessed value. BC Assessment.

Taxes, Grants & Exemptions

First-time home buyers’ programFull or partial property transfer tax exemption on your first home. Newly built home exemptionProperty transfer tax relief on qualifying new construction. Home owner grantReduce the annual property tax on your principal residence. Apply online. Speculation & vacancy taxWho pays, how it works, and the exemptions and credits. Foreign buyer (additional) taxThe 20% additional property transfer tax and its exemptions. Where the foreign buyer tax appliesThe list of specified B.C. municipalities and areas. Property tax defermentDefer property taxes if you are 55+, a surviving spouse, have a disability, or support children.Federal foreign-buyer banThe ban on non-Canadians buying homes, in effect to January 1, 2027. CMHC.First-time buyers’ GST/HST rebateRecover up to $50,000 of GST on a qualifying new home. Government of Canada.

Saving & Financing

First Home Savings Account (FHSA)Save up to $40,000 tax-free toward your first home. Government of Canada.CMHC mortgage loan insuranceWhen it is required, minimum down payments, and premium costs. CMHC.

These links open third-party government websites. Rates, thresholds and rules change, so always confirm current details on the source page. This page is a resource guide, not tax, legal or financial advice.

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