First-Time Homebuyers in South Surrey & White Rock: Your Complete Guide

Buying your first home is exciting—but it can also be overwhelming. In a competitive market like South Surrey and White Rock, preparation is everything. That’s where I come in.

I believe first-time homebuyers deserve:

• Education on the local market

• Clear guidance on the buying process

• Access to trusted affiliates like mortgage brokers, inspectors, and contractors

Here’s how I make it simple.

🎉 Perks of Being a First-Time Homebuyer in BC (2025 Update)

Buying your first home comes with several financial advantages designed to make homeownership more accessible:

🏡 Property Transfer Tax (PTT) Exemption

As a first-time homebuyer in British Columbia, you may be eligible for a full or partial exemption from the Property Transfer Tax, potentially saving you thousands of dollars:

• Full exemption for homes with a fair market value up to $835,000.

• Partial exemption for homes valued between $835,000 and $860,000.

🏠 Newly Built Home Exemption

If you're purchasing a newly constructed home, you might qualify for an additional PTT exemption:

• Full exemption for newly built homes priced up to $1,100,000.

• Partial exemption for homes valued between $1,100,000 and $1,150,000.

💰 First Home Savings Account (FHSA)

The FHSA allows first-time homebuyers to save up to $40,000 tax-free toward their home purchase.

🧾 Home Buyers' Tax Credit (HBTC)

You can claim a non-refundable tax credit of up to $1,500 on your federal income tax for the year you purchase your first home.

🏦 30-Year Mortgage Amortization for First-Time Buyers

First-time homebuyers can access insured mortgages with 30-year amortization periods, reducing monthly payments.

🏡 Step 1: Market Education

Before you step foot in a showing, we make sure you understand the local market dynamics:

• Average home prices in South Surrey & White Rock

• Popular neighborhoods like Ocean Park, Grandview Heights, and Crescent Beach

• Insight into strata properties vs. detached homes

💡 Step 2: Mortgage Introduction

I introduce you to a trusted mortgage broker, who helps with:

• Pre-approvals

• Rate shopping

• Understanding fixed vs. variable rates

🔎 Step 3: Finding the Right Home

I work with you to identify:

• Must-haves vs. nice-to-haves

• Neighborhood insights, including school catchments and walkability

• Off-market opportunities and new listings

🔨 Step 4: Access to Trusted Affiliates

To make your journey smoother, I connect you with:

• Home Inspectors – thorough inspections for peace of mind

• Contractors & Handymen – quick fixes and renovations

• Insurance Agents – to secure the best rates and coverage

📝 Step 5: Offer & Negotiation

When it’s time to write the offer, I handle:

• Strategic pricing analysis

• Professional negotiation to protect your interests

• Clear explanations of subject clauses and next steps

📌 Why Work with Me?

As a community driven, service orientated trustworthy realtor, I pride myself on:

• Client education before you even step into a property

• Proven negotiation skills to get you the best deal

• A network of affiliates you can trust

Ready to Take the First Step?

Buying your first home should be exciting—not stressful. Let me guide you through the process with confidence, clarity, and the connections you need to succeed.

📞 Let’s chat about your homeownership goals:

https://evanbird.com

604-761-9444