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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.

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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.
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Have a budget
Buying a home isn’t just about the purchase price. There’s a down payment, monthly payments, property taxes, insurance...
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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.
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Find a realtor
Local realtors provide valuable guidance to first-time home buyers, keeping you grounded and setting realistic expectations.
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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.
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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.
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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

Make an appointment Apply now

Mortgage rates

Interest rates for popular mortgages

5-year fixed (closed)

5.54

5-year variable (closed)

5.20

Rates effective September 12, 2022.

VIEW ALL RATES
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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

Meet our members Talk to a mortgage advisor

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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.

  • Wide range of home insurance products
  • Protect your most valuable asset
  • Insurance agents available when you need them 
Learn more

Tips and advice for homeowners

Buying your first home is just the beginning of a wonderful journey in home ownership and building on your investment.

Home equity

Leveraging your home equity

Let your biggest asset go to work for you. Build up or build out to grow your investment.

read article

Renewing & refinancing

Renewing and refinancing your mortgage

Take advantage of interest rates to renew your mortgage, or refinance to remodel or purchase another property.

Know your options

Reach us wherever you are

Let your fingers do the walking or come in to see us. 

Meet with an advisor

Book the day and time that suits you.

Visit a branch

We’re open between
9:30am & 4:30pm, M-F.

Send us an email

Email a specific branch or department.

Give us a call

8am-6pm, M-F,
9am-5pm, Sat.

Smithers Branch

3894 1st Avenue
Smithers, BC
V0J 2N0
250 847-3255
Hazeltons' Branch

4646 10th Avenue
New Hazelton, BC
V0J 2J0
250 842-2255


Houston and District Branch

2365 Copeland Avenue
Houston, BC
V0J 1Z0
250 845-7117
Lakes District Branch

117-35 Lakeview Mall, Hwy 16
Burns Lake, BC
V0J 1E0
250 692-7761
BVIS

1139 Main Street
Smithers, BC
V0J 2N0
866 811-1110
BVFS

3894 1st Avenue
Smithers, BC
V0J 2N0
250 847-7936

BVIS

2367 Copeland Avenue
Houston, BC
V0J 1Z0
866 811-1115
BVFS

2367 Copeland Avenue
Houston, BC
V0J 1Z0
250 845-7977
Administration

3872 1st Avenue
Smithers BC
V0J 2N0
250 847-7933
Member Services Contact Centre

3894 1st Avenue
Smithers BC
V0J 2N0
1 877 847-2828

Copyright © Bulkley Valley Credit Union, 2022