EZtoFind.ca — Free BC Real Estate Information & Property-Search Platform
An information and property-search site by Doug LeMaire, REALTOR® of Fraser Property Management Realty Services Ltd. Search the live CREA DDF® MLS® feed, browse 240 British Columbia community profiles, and get instant answers from Doogie — an educational guide backed by 439 statute-cited glossary entries.
Practice areas & referral policy: Doug LeMaire personally represents transactions in Greater Vancouver, the Fraser Valley, and the Sea-to-Sky Corridor (to Whistler). Community pages and glossary content are published province-wide for research and education, but any consumer viewing a page outside those areas (Interior BC, Vancouver Island, Northern BC, the Kootenays, the Okanagan, etc.) is served by referral only through Doug's network of licensed BC REALTORS® on the appropriate local board (VIREB, IAR, KAR, BCNREB, CADREB). Doug does not personally transact real estate outside his stated practice areas. Request an out-of-area referral.
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EZtoFind.ca provides general educational information about BC real estate — not legal, tax, financial, or real estate advice. For your own situation, speak with the appropriate licensed professional: a BC lawyer or notary, an accountant or tax professional, a licensed mortgage broker, or a licensed REALTOR®.
Every program, exemption, and account that saves you money
Buying your first home in BC in 2026 involves seven different federal + provincial programs. This is the full inventory — what each is, who qualifies, and how they stack.
Home Buyers' Plan (HBP) — federal RRSP withdrawal
Withdraw up to $60,000 tax-free from your RRSP (as of 2024). Must repay over 15 years starting the second year after withdrawal. Both partners can each withdraw $60K — combined $120K if both are first-timers.
First Home Savings Account (FHSA) — federal
Contribute up to $8,000/year (lifetime cap $40,000). Contributions are tax-deductible AND withdrawals for a qualifying home are tax-free. Can be combined with HBP.
BC Property Transfer Tax — First-Time Buyer Exemption
Full exemption if the purchase price is $835,000 or less (2024 threshold). Partial exemption between $835K–$860K. Must have never owned an interest in a home anywhere in the world. Must occupy within 92 days.
GST New-Home Rebate — federal
36% GST rebate on new homes ≤ $350K; sliding scale to zero at $450K. Does not apply to resale homes.
BC HOME 1st Choice mortgage program — provincial
Reduced-rate BC-backed mortgage program for qualifying first-time buyers meeting income + purchase-price caps. Program parameters change annually — verify with your mortgage broker at time of application.
First-time buyer tax credit — federal
$1,500 non-refundable tax credit ($10,000 × 15%) on your income tax return, year of purchase.
CMHC insured-mortgage down-payment structure
5% down on the first $500K + 10% on any portion above $500K up to $1M. Homes over $1M require conventional (20%) financing.
Educational information only — not legal, tax, financial, or real-estate advice. Doug LeMaire, REALTOR® · BCFSA #167790 · Fraser Property Management Realty Services Ltd. Not intended to solicit or induce an agreement already in place.
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