Every Fraser Valley buyer number, one tool per page.
Twenty-five calculators a first-time or move-up buyer in the Fraser Valley actually uses mortgage payment, affordability, BC Property Transfer Tax with both exemptions, CMHC insurance, GST on new homes, closing costs, FHSA, RRSP HBP, rent vs buy, refinance break-even, and the strategy math. Each calculator has its own page so you can pull up one number without scrolling through the other twenty-four.
Not sure where to start? The first-time buyer guide walks through each program, then links to the calculators that do the math for it.
Monthly payment, what you can afford, what income you need, and the stress-test math.
Monthly principal-and-interest payment for any price, rate, down payment, and amortization.
Maximum purchase price based on household income, down payment, and existing debts.
Reverse calculator, the household income a lender needs to see for a target price.
What the OSFI qualifying rate does to your maximum mortgage, contract rate plus 2% or 5.25%, whichever is higher.
What 5%, 10%, and 20% really mean at Fraser Valley prices, and the federal minimum tiers.
High-ratio mortgage insurance premium by loan-to-value, what insured purchases cost vs putting 20% down.
Property Transfer Tax, first-time buyer + newly built exemptions, GST, closing costs.
The BC PTT every buyer pays at closing, 1% / 2% / 3% / 5% bracketed by price, with both exemption rules.
BC first-time buyer Property Transfer Tax exemption, full up to $835,000 fair market value, phase-out to $860,000.
BC PTT exemption for newly built homes, full up to $1.1M fair market value, phase-out to $1.15M.
Federal 5% GST on newly built homes, plus the New Housing Rebate calculation up to $450,000.
Everything beyond the down payment, PTT, legal fees, inspection, title insurance, strata documents, adjustments.
The full cheque you write at the notary, down payment plus all closing costs and adjustments in one number.
Annual municipal property tax estimate by Fraser Valley city, Surrey, Langley, Abbotsford, Chilliwack, Maple Ridge, Mission.
Amortization, accelerated payments, prepayment savings, equity, refinance break-even, rent vs buy.
Full payment schedule by year, principal, interest, and remaining balance for the life of a mortgage.
How much an accelerated bi-weekly payment saves vs monthly, and how many years it shaves off your amortization.
Interest saved and years shaved off when you put a lump sum straight against principal, within your lender's annual prepayment limit.
Total cost of renting vs buying over 5 years, including ownership carry, appreciation, and the rent counterfactual.
Projected home equity over time from principal pay-down plus modeled appreciation, paired with an invest-the-down-payment alternative.
Estimated mortgage break penalty, IRD vs three months' interest, for selling, refinancing, or switching lenders mid-term.
Months until a refinance pays for itself, break penalty plus appraisal plus legal vs the lower-rate savings.
Weighted blended rate when you increase a mortgage mid-term, your old rate blended with today's rate on new money.
How a monthly strata fee shrinks the mortgage you qualify for, half of strata is added to debt-service ratios by most lenders.
How car loans, credit card balances, and student debt reduce the maximum price a lender will approve.
RRSP Home Buyers' Plan, FHSA, strata fee impact, debt impact, blended rates, total cash to close.
The calculators give you the numbers. These guides explain the rules behind them.
- BC first-time buyer PTT exemption how the $8,000 savings works and who qualifies
- Mortgage stress test explained OSFI B-20 qualifying rate in plain English
- RRSP Home Buyers' Plan (HBP) how to borrow up to $60,000 from your RRSP tax-free
- First-time buyer timeline week-by-week guide from pre-approval to possession
- BC first-time buyer playbook every program and tax break in one place
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