Checklist

Home Buyer Checklist

Your step-by-step guide to buying a home in BC. Check off each item as you go.

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Before You Start

Check your credit score and reportGet pre-approved for a mortgageCalculate your true budget (include closing costs)Open an FHSA (First Home Savings Account)Review your RRSP Home Buyers' Plan eligibilityResearch first-time buyer programs available in BC

Finding the Right Home

Define your must-haves vs. nice-to-havesChoose your target neighbourhood(s)Register with a REALTOR® for MLS accessSet up automated listing alertsAttend open houses to compare optionsReview strata documents (for condos/townhomes)Research school catchment areas if applicable

Making an Offer

Review comparable recent sales with your agentDiscuss offer strategy (price, conditions, timelines)Prepare your deposit fundsSubmit offer with conditions (financing, inspection)Negotiate counter-offers with your agent's guidanceRemove conditions once satisfiedFinalize mortgage commitment

Closing the Deal

Schedule a home inspectionArrange property insurance (home insurance quote)Confirm move-in date with sellerReview closing documents with your lawyer/notaryArrange final mortgage fundingBook movers and change of addressSet up utilities (hydro, gas, internet, water)Complete final walk-through before possession

After You Move In

Update your driver's licence and addressRegister for municipal services (garbage, recycling)Introduce yourself to neighboursLocate your circuit breaker, water shut-off, and gas valveSet up home security system if desiredFile your BC Home Owner Grant applicationBook a home insurance review with Taj

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