Resources

Calculators

• Home Purchase - PPT, HST, Mortgage Scenarios, Analyze Payment Options and Renting vs. Buying
• Refinancing and Home Equity - Online Calculators for Credit, Net Worth, Interest, Budgeting and more
• Renewals - When it’s time to renew your mortgage, use these calculators to help you find the right answers
   

Helpful Forms

• Mortgage Application
• Gift Letter
• Stated Income Declaration
• Client Consent Form
• Home Buyers’ Plan (HBP) Withdrawal Form
  
  

Government Programs

• Home Buyers' Plan (HBP)
• BC New Housing Rebate (HST)
• BC New Rental Housing Rebate (HST)
• Property Transfer Tax (PTT) First Time home Buyers' Program
• BC Home Owner Grant
• BC Property Tax Deferment Programs
• Canada Mortgage and Housing (CMHC) Residential Rehabilitation Assistance Program (RRAP) Grants
• CMHC Mortgage Loan Insurance Premium Refund
• LiveSmart BC: Efficiency Incentive Program
• BC Residential Energy Credit
• BC Hydro Appliance Rebates
• BC Hydro Fridge Buy-Back Program (different from Appliance rebates)
• BC Hydro Mail-In Rebates/Svings Coupons
• Terasen Gas Rebate Program
   

Understanding Your Credit

• Incuring debt is a part of life for most people. Let us show you how to maintain control of your overall financial situation. ...Read more
   

Mortgage Insurance

• Mortgage Life Protection, Critical Illness Protection and Disability Protection ...Read more
   

Useful Links

• Multiple Listings Services (MLS)
• Canadian Mortgage & Housing Corp (CMHC)
• Genworth Financial
• Bank of Canada
• Canada Revenue Agency
• Canada Guaranty
• Equifax
• TransUnion
• First Canadian Title
• Stewart Title
• British Columbia Tenancy Branch
• British Columbia Assessment Authority
  
  

Useful Guides

• CMHC Homebuyers Guide
• CMHC Condominium Buyers Guide
• Buying Your First Home in Canada - What Newcomers Need to Know
• Renting Your First Home in Canada - What Newcomers Need to Know
• Homebuyers Checklist - A Newcomers' Guide and Workbook
• Property Transfer Tax Guide
• Home Buyers Plan Guide (RRSP)
  
  

Thanks so much for all your patience with all our questions and concerns. We now have possession of our house and we know that you got us the best rate for our mortgage! All our friends are envious. It must have been difficult to deal with us because we didn't have a realtor, but we really do appreciate all the time and effort you spent with us. We will definitely pass your name on to our friends and family. Take care Feisal. Kathy & Rick M.

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