Guide to buying your first home

Tap into our local expertise and let us guide you through buying your very first home

How to get started

Here’s how to get going with our quick guide in navigating you through what you want to get you what you need.

Figure out your needs

What’s a must-have and what’s nice-to-have? Think carefully about what you really need and want from your first home.

Have a budget

Buying a home isn’t just about the purchase price. There’s a down payment, monthly payments, property taxes, insurance...

Get pre-approved

Pre-approval gives you a range you can work within so you can get out there and focus your house hunting on properties you can afford.

Find a realtor

Local realtors provide valuable guidance to first-time home buyers, keeping you grounded and setting realistic expectations.

Seal the deal

Get your offer to your advisor and aim for reasonable subject dates. Your mortgage advisor will finalize your mortgage approval so everything can be signed off.

Insure your first home

It’s vital to insure what is likely to be one of the biggest purchases of your life. It’s required for your mortgage and protects your biggest asset.

Get pre-approved

We understand first-time home buyers

We can take any stress and confusion out of buying your first home with clear and easy guidance, backed by locally made decisions. It’s what we do every day.

Choose between fixed or variable interest rates—or do both
Flexible weekly, bi-weekly and monthly repayments
Chose from open or closed mortgage options

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Mortgage rates

Interest rates for popular mortgages

Rates effective March 20, 2024.

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Member story

“We were able to buy our dream home”

“We found the perfect home for our family and Tina helped get the right mortgage that worked for our finances. They made everything so easy.” - Member Name

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Ready for the final step? Insure your new home

Your home is your biggest investment so make sure it is taken care of. The Bulkley Valley’s only local insurance agency offers great service with competitive rates.