If you have lived in the same house for 30 years or more, one question comes before the sale: how much money and work should you put in first? This guide explains what a buyer's home inspector looks at, what a BC seller has to tell a buyer, and how we sort the jobs into three groups: fix, clean and leave. In this guide, to list a house means to offer it for sale.
What will a buyer's home inspector look at?
A home inspector is a person a buyer pays to examine a house and write a report on its condition. The Province of BC requires home inspectors to be licensed. The Home Inspector Licensing Regulation names the subjects an inspector's training must cover. They include roofing, chimneys, the structure of the house, the electrical system, heating and cooling, insulation and ventilation, and plumbing. The inspection contract must state whether the inspector will inspect for mould and for asbestos.
BC Financial Services Authority (BCFSA) is the provincial regulator of real estate. Its page for buyers says home inspections are primarily visual and may not reveal problems with electrical or gas systems. Where there are signs of such problems, or of work done without permits, it tells buyers to consider having people with qualifications in those areas inspect those systems. For a seller, this means an electrician or a gas contractor may visit after the inspector.
The same page gives buyers a list of things to pay attention to. It includes:
- the condition and age of the roof, and any leaks or recent repairs
- evidence of leaks or cracks, and of termites or dry rot (wood decay)
- renovation work, and copies of the building, electrical and gas permits for it
- the condition of the electrical wiring
- the type of heating system and the fuel it uses
- the attic and the crawl space: leaks, ventilation and insulation
- severe cracks in the foundation, or uneven settlement
- whether the property has been tested for radon
Our post on what a home inspection covers describes the visit from the buyer's side.
Why should you know this list before the buyer does?
BCFSA says a patent defect is one that can be discovered on a reasonable inspection, such as a broken window or a damaged floor. It tells buyers that these defects are theirs to discover, and that their agent can discuss asking the seller to contribute to the repairs. In our opinion, the middle of a deal is the worst time to learn about a problem, because you have only days to get a quote or to agree to a lower price.
You can have your own inspection done before you list. BCFSA's consumer guide to property inspections says a pre-listing inspection "can help identify issues you may want to rectify in your home before listing it". It also says the inspection may uncover defects that must be disclosed to a buyer if you choose to leave them, and that this could affect the offer price. BCFSA's advice is to discuss the advantages and disadvantages with your real estate professional. For a house of 30 years or more, we suggest doing it, so that you get the list while you still have weeks to collect quotes.
Which parts of an older house do buyers ask about?
A house that is 30 years old in 2026 was built in 1996 (2026 minus 30), and yours may be older. Some materials from those decades can worry a buyer, or the buyer's insurer, today. The table lists five. A link in each row opens the source.
| Item | Why a buyer cares | What you can do before you list | Who to ask |
|---|---|---|---|
| Asbestos | Health Canada says it was mainly used before 1990 to insulate buildings and homes, and that breathing its fibres can cause lung cancer | Leave material in good condition undisturbed. Have a professional test before any renovation | A qualified asbestos professional |
| Poly-B water pipes | BC Housing says these grey plastic pipes have been found to fail early, and that an insurer may refuse claims or coverage | Find out whether the house has them. Get a written quote to replace them | A plumbing contractor and your home insurer |
| Buried heating oil tank | BCFSA says a tank that leaks or damages the property may be a defect you must disclose | Look for signs of a tank. Ask the city for its records | Your city's fire department or building department |
| Aluminum wiring | Technical Safety BC says there is a risk of electrical fire if a device made only for copper wiring is used on it | Ask an electrician to inspect it | A licensed electrical contractor |
| Radon gas | BCFSA says a level above 200 becquerels per cubic metre is a defect your agent must disclose | Start a long-term test early | A certified radon professional |
Sources: Health Canada, BC Housing, BC Financial Services Authority and Technical Safety BC, read on October 10, 2026.
Asbestos. Health Canada says there are no significant health risks if materials that contain asbestos are left undisturbed or sealed behind walls and floorboards. The fibres are released into the air during renovation and demolition. WorkSafeBC says asbestos was widely used in BC as a building material until the early 1990s, and that only qualified professionals can remove it.
Poly-B. This is the short name for polybutylene. BC Housing says it was used for hot and cold water in some residential buildings in BC in the 1980s and 1990s.
Oil tank. The City of Maple Ridge lists signs of a buried tank: a past change of fuel from oil to gas, old delivery records from fuel suppliers, and oil fill pipes or vent pipes near the house. It says all underground tanks that will not be reused, or that have been out of service for three years, must be removed. The City of Surrey requires a permit to remove one. Ask your own city for its rule.
Radon. Radon is a natural radioactive gas with no smell and no colour. A becquerel per cubic metre is the unit used to measure it. BCFSA says there is currently no legal requirement to test a property before selling it. The same guide says Health Canada recommends long-term tests of at least 90 days, so start early if you want a result before you list.
Our posts for buyers give more detail on asbestos, Poly-B plumbing, buried oil tanks and knob-and-tube and aluminum wiring. A fifth post lists other warning signs in older Fraser Valley homes.
What does a BC seller have to tell a buyer?
BCFSA says sellers have a legal duty to disclose latent defects about their property to a buyer. A latent defect is a defect that a reasonable inspection of the property cannot find. BCFSA says a material latent defect includes a defect that makes the property dangerous or potentially dangerous to the people living in it, or unfit to live in.
Your real estate agent has a wider duty under the rules for licensed agents. BCFSA says the agent must also disclose:
- a defect that would involve great expense to remedy
- a notice from a local government saying that something on the property must or should be remedied
- a lack of appropriate municipal building and other permits
BCFSA's examples include a basement that leaks when it rains, structural damage, underground storage tanks, high levels of radon, and new electrical or gas work completed without appropriate permits and inspections.
If you do not disclose a material latent defect, BCFSA says your agent must make the disclosure. If you instruct the agent to keep it from buyers, the agent is obligated to stop working for you. BCFSA's consumer guide to material latent defects adds two rules: the disclosure must be in writing, and it must be in a document separate from the purchase contract.
Is the Property Disclosure Statement required?
The Property Disclosure Statement is a form in which the seller gives information about the condition of the property. BCFSA says there are no prescribed forms in BC for disclosing property information, and it calls the statement "a voluntary form completed by the seller". It also says most sellers use this form for their written disclosure, and that best practice is to complete it accurately and to the best of your knowledge.
A seller can sign a "Property No Disclosure Statement" in its place. BCFSA warns that this may put you at risk of a lawsuit later, if a latent defect that you knew about is discovered, and that the house may be more difficult to sell.
So the form is voluntary, and the duty to disclose a known material latent defect applies with or without it.
Before you fill in the form, write down what you remember about the roof, the furnace and each leak, with dates and receipts where you have them. If you are unsure whether something must be disclosed, BCFSA says to speak to your agent or get independent legal advice. Our post on the Property Disclosure Statement shows how a buyer reads the form.
Which jobs should you fix, clean or leave?
This section is the FRIVE team's opinion. We sort each job into one of three groups.
| Group | What belongs in it | What we suggest |
|---|---|---|
| Fix | A safety hazard. A defect you would have to disclose. A problem that a buyer's insurer or lender may refuse | Get written quotes. Use licensed contractors and permits. Keep each receipt |
| Clean and repair small things | Cleaning, the yard, dripping taps, broken handles, burnt-out bulbs, a cracked window pane | Finish these before the photos are taken |
| Leave | A new kitchen, new bathrooms, an addition, a newly finished basement | Leave these to the buyer, and set a price that fits the condition of the house |
Source: FRIVE team opinion. General guidance for owners of older detached houses.
Fix. We put this group first because a buyer may be unable to complete the purchase without home insurance or a mortgage. Two sources support that reasoning. BC Housing says an insurer may deny coverage because of Poly-B pipes. Technical Safety BC, which regulates electrical and gas work in BC, says permits "are a legal requirement in BC and are often necessary for home insurance purposes". For electrical or gas repairs, it says a licensed contractor gets the appropriate permit on your behalf.
Clean and repair small things. A buyer sees the result of these jobs in each room. Each broken window or damaged floor you repair is one item fewer in the buyer's inspection report.
Leave. BCFSA tells sellers that buyers "will base their offer price primarily on what similar properties in the area have sold for". A large renovation also brings the permit and asbestos steps described in this guide. We know of no reliable published figure for what a given renovation adds to a sale price, so we give none.
For each job in the first group, ask more than one contractor for a written quote. Then ask your agent to estimate the sale price with the work and without it, and compare the two numbers yourself.
Can a rebate pay for part of a repair?
Check before you pay for work on insulation, windows or doors. The Home Renovation Rebate Program is funded by BC Hydro and FortisBC in partnership with the Province of BC, and it helps households of any income level. On October 10, 2026, its page listed maximum rebates of up to $5,500 for insulation and up to $2,000 for windows and doors. The program requirements, in effect for invoices dated on or after May 15, 2026, say a licensed contractor must install the upgrade and the application must be submitted within six months of the invoice date.
That day, the program website carried a notice that it was not being updated during the provincial election period. Before you sign a contract, confirm with the program that the rebate is still offered, that your house and your contractor qualify, and that you can still apply if the house sells first. Our advice is to use a rebate to lower the cost of a repair you already need.
How do you empty a house after decades?
Start this job first. A house with fewer things in it is easier to repair, clean and photograph.
- Begin with the rooms you use least, such as the basement, the garage and spare bedrooms.
- Sort each room into four groups: keep, give to family, sell or donate, and throw away.
- Give family members a date to collect what is theirs.
- Keep one box for house papers: permits, receipts for repairs, manuals and warranties.
The papers matter. BCFSA says a seller is responsible for giving the agent accurate information about the home, such as its age and the condition of the roof and the hot water heater. Our downsizing checklist puts the full list of steps in order.
What if work was done without a permit?
A building permit is a city's written approval for construction work. The City of Surrey says a permit is usually required for work such as finishing a basement, building an addition or interior renovations, with separate permits for plumbing and electrical work. It lists replacing flooring and minor repairs to the exterior among the projects that need no building permit. Surrey is one example, and each city sets its own rules.
Work done decades ago, by you or by an earlier owner, may have no permit on file. Three sources explain why a buyer cares:
- BCFSA tells buyers to ask whether renovation work has been done, and whether there are copies of the building, electrical and gas permits for it.
- A lack of appropriate permits is on BCFSA's list of things your agent must disclose.
- Surrey's page on construction without permits says the work may have to be repaired or removed at the owner's expense. It also says the city can place a notice on the title of the property, which is the official record of ownership. The notice is available to the public, including potential purchasers, mortgage lenders and insurance companies.
A basement suite
A suite needs its own check. The City of Surrey defines a secondary suite as a self-contained unit with cooking facilities and a bathroom. It says all secondary suites in Surrey must be registered, and that the city bills a $1,000 fee for each unregistered suite it becomes aware of. To legalize an existing suite, Surrey says an owner must meet the conditions of zoning and the standards of the BC Building Code, have the necessary building permits, and pay the suite fees. Zoning is the city's set of rules for how a lot may be used.
In any city, ask the building department two questions: which permits are on file for your address, and what the city requires for work that has none. Then decide with your agent and your lawyer whether to apply for a permit, remove the work, or disclose it and set a price that reflects it. Our post on legal and unauthorized suites explains why a buyer's lender and insurer care.
How does the September 2026 market affect your plan?
The Fraser Valley Real Estate Board (FVREB) covers Surrey, Langley, Abbotsford, Mission, White Rock and North Delta. In September 2026 it counted 3,261 single-family detached houses for sale and 337 detached sales. By our arithmetic, that is 10.3 sales for each 100 houses for sale (337 ÷ 3,261 × 100). The detached houses that sold took an average of 45 days.
The board also counted 9,763 active listings of all property types. An active listing is a property that is for sale right now. The board said the Fraser Valley "has spent most of the last two years in a buyer's market", which is a market with many properties for sale compared with the number of sales.
In our opinion, this is the strongest reason to prepare an older house with care. A buyer who can choose among many houses will compare yours with the others, so condition and price matter more.
The market also affects your calendar. Add the weeks of preparation to the 45 days: the quotes, the repairs, the city's answer on permits, and a radon test if you want one. Our post on how long it takes to sell a house in the Fraser Valley adds the stages together, and sell first or buy first explains how the sale fits with your next purchase. Chilliwack and Maple Ridge report to other real estate boards.
What does selling a house "as is" mean?
In plain words, it means you sell the house in its present condition, do no repairs, and set a price that reflects the work left for the buyer. We describe it as a pricing choice. In our opinion, it fits two cases: the "fix" list is longer than you want to manage, or most of the value is in the land.
The disclosure rules above still apply. BCFSA's consumer guide says sellers must disclose all known material latent defects to any potential buyer before entering a contract. We found no BCFSA or BC government page that explains the legal effect of the words "as is" in a contract, so ask your lawyer what that wording would change for you before you agree to it.
A buyer can still ask for an inspection. BCFSA says a seller does not have to accept an offer that includes an inspection condition. Make that choice with your agent.
If a builder may want the lot
The Province of BC requires local zoning to allow more homes on lots that were zoned for a single-family house or a duplex. The rule applies in municipalities with more than 5,000 people, with conditions and some exemptions. Zoning there must allow at least 3 homes on a lot of 280 square metres or smaller, at least 4 homes on a larger lot, and 6 homes on a lot larger than 280 square metres near frequent bus service. Ask your city what your lot allows. In our opinion, repairs add nothing for a buyer who plans to replace the house, so read selling your house to a builder before you spend money on them.
This guide is general information about published rules and market figures. It cannot replace advice on your own house, contract or tax return. Confirm legal questions, including what you must disclose, with your own lawyer or notary. Confirm tax questions with your own accountant. Our post on tax when you sell your home explains the published rule.
Next step
The choice between fixing and leaving starts from one number: what the house would sell for as it is today. Ask us for a free home value, and a BC-licensed REALTOR® will email you a price range based on recent sales of homes like yours. Then enter that price in the downsizing calculator, along with the price of the home you want. You do not have to sell with us. The rest of our downsizing guide covers tax, strata fees and six Fraser Valley cities.
Frequently asked questions
Should I renovate my house before selling it in BC?
- In our opinion, the owner of an older house should fix safety problems and anything a buyer's insurer or lender may refuse, clean and repair small things, and leave large renovations to the buyer. BC Financial Services Authority says buyers base their offer price primarily on what similar properties in the area have sold for. Get written quotes for each repair, then ask your agent to estimate the sale price with the work and without it.
What does a home inspector look at in an older house in BC?
- A licensed home inspector gives a written opinion on the condition of each part of the house named in the inspection contract. The Home Inspector Licensing Regulation lists the subjects an inspector must be trained in, including roofing, chimneys, the structure, the electrical system, heating and cooling, insulation and ventilation, and plumbing. The contract must say whether the inspector will inspect for mould and for asbestos. BC Financial Services Authority says home inspections are primarily visual.
Sources
- The Search, BC Financial Services Authority (Accessed 2026-10-10)
- Material Latent Defects, BC Financial Services Authority (Accessed 2026-10-10)
- Consumer Guide to Material Latent Defects, BC Financial Services Authority (Accessed 2026-10-10)
- Consumer Guide to Property Inspections, BC Financial Services Authority (Accessed 2026-10-10)
- Consumer Guide to Oil Tanks, BC Financial Services Authority (Accessed 2026-10-10)
- Consumer Guide to Radon, BC Financial Services Authority (Accessed 2026-10-10)
- What Costs Come with Selling a Home, BC Financial Services Authority (Accessed 2026-10-10)
- Listing Your Home, BC Financial Services Authority (Accessed 2026-10-10)
- Home inspectors, Province of British Columbia (Accessed 2026-10-10)
- Home Inspector Licensing Regulation, Province of British Columbia, BC Laws (Accessed 2026-10-10)
- Asbestos and your health, Health Canada (Accessed 2026-10-10)
- Asbestos, WorkSafeBC (Accessed 2026-10-10)
- Maintenance Matters No. 20: Managing Internal Water Systems, BC Housing (Accessed 2026-10-10)
- Maintenance Matters No. 21: Preventing Water Leaks in Your Home, BC Housing (Accessed 2026-10-10)
- Storage Tank Removal, City of Maple Ridge (Accessed 2026-10-10)
- Residential Storage Tank Removal Permit, City of Surrey (Accessed 2026-10-10)
- Ask a safety officer: how to prevent electrical fires, Technical Safety BC (Accessed 2026-10-10)
- Homeowner Permits, Technical Safety BC (Accessed 2026-10-10)
- Home Modifications, Technical Safety BC (Accessed 2026-10-10)
- Residential Building Permits, City of Surrey (Accessed 2026-10-10)
- Construction without Permits, City of Surrey (Accessed 2026-10-10)
- Secondary Suites, City of Surrey (Accessed 2026-10-10)
- Home Renovation Rebate Program, CleanBC Better Homes, Province of British Columbia (Accessed 2026-10-10)
- Home Renovation Rebate Program requirements, CleanBC Better Homes, Province of British Columbia (Accessed 2026-10-10)
- Fraser Valley Housing Market Statistics, September 2026, Fraser Valley Real Estate Board (Accessed 2026-10-10)
- Small-scale, multi-unit housing, Province of British Columbia (Accessed 2026-10-10)
Downsizing in the Fraser Valley
11 pieces that fit together. Read them in order, or jump to the one you need.
- Start hereDownsizing in the Fraser Valley: The Complete Guide
- GuideSell First or Buy First? How Downsizers in BC Decide
- Guide · you are hereGetting a 30-Year-Old House Ready to Sell in the Fraser Valley: What to Fix and What to Leave
- GuideDo You Pay Capital Gains Tax When You Sell Your Home in BC?
- Guide55 and Over Buildings in BC: The Rules for Downsizers
- GuideCondo, Townhouse or Rancher: Which Smaller Home Suits a Downsizer in the Fraser Valley?
- GuideStrata Fees on a Fixed Income: What a BC Downsizer Should Check Before Buying
- GuideBC Property Tax Deferment and the Seniors Home Owner Grant: 2026 Rules and What You Repay When You Sell
- GuideSell in Surrey or Langley, Buy Farther East: What Downsizers Gain and What It Costs
- GuideGiving Your Child a Down Payment in BC: How a Gift Works After You Downsize
- GuideDownsizing Checklist for the Fraser Valley: Every Step From the First Price Check to After the Move
Related guides
- Hub - DownsizingSell First or Buy First? How Downsizers in BC Decide
- Hub - DownsizingDownsizing Checklist for the Fraser Valley: Every Step From the First Price Check to After the Move
- Hub - DownsizingGiving Your Child a Down Payment in BC: How a Gift Works After You Downsize
- Buying ProcessBuying a Court-Ordered Sale in BC: What Changes
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