Blog
Real estate insights, tips, and market updates.
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Closing Costs in BC: Full Breakdown for a $1M Home (2026)
Closing costs on a $1M home in BC run $25,000 to $40,000 in cash on top of your down payment. Here's the full 2026 breakdown: PTT, GST, legal, CMHC, and adjustments, with a worked example.
Hamidreza Etebarian
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Reverse Mortgage BC 2026: Rates, Risks, and When It Actually Makes Sense
BC seniors are sitting on the most equity in Canada. Here is what a reverse mortgage actually costs in 2026, how it compares to a HELOC, and the four scenarios where it makes sense.
Hamidreza Etebarian
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Zealty Is the First Canadian Real Estate App in ChatGPT
Zealty is now the first Canadian real estate app inside ChatGPT. Ask about BC listings, sold prices, and market stats in plain conversation and get live MLS data back.
Hamidreza Etebarian
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How Much Does a Home Inspection Cost in BC? (2026 Price Guide)
A BC home inspection costs $400 to $800 for most homes, plus $150 to $400 each for specialty add-ons like sewer scopes and oil tank scans. Here is what you pay, what is included, and when to walk away.
Hamidreza Etebarian
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Best Neighbourhoods in Coquitlam to Buy in 2026
Coquitlam has 1,354 active listings with a $941,950 median. Six neighbourhoods ranked for 2026, from $668K SkyTrain condos to $1.69M Burke Mountain homes.
Hamidreza Etebarian
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MLS API Canada: Plug Live BC Listings Into ChatGPT and Claude (MCP)
Zealty just shipped a free MLS API for Canada through the Model Context Protocol. Connect ChatGPT, Claude, or Cursor and ask plain-English questions against 21,000+ live BC listings.
Pedram Taheri
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High-Ratio Mortgage BC: What It Is and How to Avoid It (Or Use It)
A high-ratio mortgage means less than 20% down and mandatory default insurance, which can add $26,000+ to your loan on a typical BC condo. Here is when to avoid it, when to use it, and how the 2026 rules work.
Hamidreza Etebarian
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Bridge Financing BC 2026: Buy Before You Sell (Costs & Rates)
How bridge loans work in BC: prime + 2-4% rates, the firm-sale rule, real costs on a Metro Vancouver move, and when a HELOC or subject-to-sale offer is a better fit.
Hamidreza Etebarian
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BC Mortgage Renewal 2026: 6-Month Checklist to Save $5K+
Your BC mortgage renewal is a negotiation, not a notice. Start at 6 months out to lock rate holds, shop lenders, and skip the stress test on a straight switch.
Hamidreza Etebarian
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CMHC Insurance BC 2026: Premiums, Calculator & When You Pay
CMHC mortgage insurance kicks in any time your down payment is below 20 percent. On a $1.1M Metro Vancouver condo at 10% down, the premium is $30,690 rolled into your mortgage. Here is how the 2026 rates work and the $1.5M insurable cap.
Hamidreza Etebarian
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Variable vs Fixed Mortgage in BC 2026: Math, Penalties, BoC Outlook
5-year variable in BC is 3.35%, fixed is 4.04%. Variable saves money if the Bank of Canada holds at 2.25%. Fixed wins if hikes return. Here is how to pick.
Hamidreza Etebarian
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Presale Condos Vancouver 2026: Deposits, GST Rebate & Assignment Risks
Vancouver presale condos median $1,065,000 with new low-rise at $1,541/sqft. Full BC buyer guide: deposit schedules, the new $50K GST rebate, REDMA protections, assignment risk, and a pre-purchase checklist for 2026.
Hamidreza Etebarian