The prospect of buying a condo before it's built holds a unique appeal, especially in BC's dynamic real estate market. Pre-construction offers the possibility of securing a brand-new home at today's prices, with potential for appreciation before you even move in. However, as with any investment, it's vital to grasp both the potential wins and pitfalls unique to BC before committing.

Winning with Pre-construction Condo Purchases in BC

• Price Advantage & GST Savings: Often, developers offer pre-construction units at a lower price than what they'll likely command upon completion. In BC, this advantage extends to potential GST savings. If the purchase price is under specific thresholds and the unit will be your primary residence, you might qualify for a GST New Housing Rebate, further enhancing your financial gain.

• Customization: Depending on the project's stage, you could have the opportunity to personalize your unit with finishes, fixtures, and even layout modifications, creating a home tailored to your tastes.

• Extended Deposit Structure: Instead of a hefty down payment upfront, pre-construction typically allows for a deposit schedule spread over months or even years, offering flexibility and easing the initial financial burden.

• Potential for Appreciation: If the market appreciates during the construction period, your unit's value could increase significantly before you even take possession, leading to instant equity.

• New and Warranty-Protected: You'll be the first to live in your pristine unit, complete with brand-new appliances, fixtures, and the peace of mind of a warranty on construction and materials.

Potential Pitfalls of Pre-construction Condo Purchases in BC

• Delays and Uncertainty: Construction delays are common. Your move-in date could be pushed back, disrupting your plans and potentially leading to additional costs if you need temporary accommodation.

• Market Fluctuations: The real estate market can be volatile. If the market softens during construction, your unit's value might not appreciate as expected, or worse, it could even depreciate.

• Hidden Costs & Taxes: Be prepared for potential additional costs beyond the purchase price, such as development levies, assignment fees, and GST (if not eligible for a rebate). Also, factor in the BC Property Transfer Tax when budgeting for your purchase.

• Limited Resale Opportunities: Until the building is registered and you take possession, selling your pre-construction unit can be complex, potentially involving restrictions or fees.

• Changes to Plans: Developers might make changes to the building's design, amenities, or even unit layouts during construction. These changes might not align with your original expectations.

• Potential for Construction Issues: Despite warranties, new builds can sometimes have construction deficiencies that may take time and effort to resolve.

Before You Buy in BC: Key Considerations

• Developer Reputation: Thoroughly research the developer's track record in BC. Have they completed projects on time and with quality workmanship? Check online reviews and testimonials from previous buyers.

• Location and Amenities: Carefully assess the location and amenities offered. Will they meet your needs and lifestyle in the long run? Consider proximity to transit, schools, parks, and other essential services.

• Contract Review: Have a lawyer specializing in BC real estate review the purchase agreement meticulously before signing. Understand all the terms and conditions, especially regarding potential delays, changes, and fees.

• Financial Preparedness: Ensure you have ample funds for the deposit schedule, closing costs, GST (if applicable), and potential additional expenses. Unexpected costs can arise, so having a financial buffer is crucial.

• Market Research: Analyze current market trends and forecasts specifically for the BC market and the area where the project is located. Consider the potential for appreciation but also be prepared for fluctuations.

Conclusion

Condo preconstruction in BC offers unique advantages like potential GST savings and customization opportunities. However, it also comes with risks, including delays, market fluctuations, and additional costs. By conducting thorough research, understanding the contract, and ensuring financial preparedness, you can make an informed decision about whether pre-construction aligns with your investment goals and lifestyle in the beautiful province of British Columbia.

Welcome to our monthly real estate market comparison blog! This June, we dive into the dynamic markets of Greater Vancouver and Fraser Valley. Let's explore the key trends, insights, and standout performances in condos, townhouses, and detached homes.

Market Snapshot

Greater Vancouver:

• Sales: 2,398 units (⬇️ -19.2% YoY)

• New Listings: 5,736 properties (⬆️ 7.1% YoY)

• Total Active Listings: 13,478 (⬆️ 35.9% YoY)

• Sales-to-Active Listings Ratio: 17.8% (Balanced Market)

Fraser Valley:

• Sales: 1,252 units (⬇️ -32.1% YoY)

• New Listings: 3,145 properties (⬇️ 0.9% YoY)

• Total Active Listings: 7,124 (⬆️ 33.7% YoY)

• Sales-to-Active Listings Ratio: 17.6% (Balanced Market)

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Property Types Breakdown

Detached Homes:

• Greater Vancouver: Benchmark Price: $2,061,000 (⬆️+3.7% MoM)

• Fraser Valley: Benchmark Price: $1,528,900 (⬆️ 0.5% MoM)

Townhouses:

• Greater Vancouver: Benchmark Price: $1,138,100 (⬇️ -0.5% MoM)

• Fraser Valley: Benchmark Price: $851,100 (⬇️ -0.3% MoM)

Condos/Apartments:

• Greater Vancouver: Benchmark Price: $773,400 (⬇️ -1.1% MoM)

• Fraser Valley: Benchmark Price: $551,100 (⬇️ -0.7% MoM)

Area-Specific Highlights

Greater Vancouver:

• Vancouver West: Detached homes benchmark at $3,560,700 (⬆️ 0.3% MoM)

• Richmond: Detached homes benchmark at $2,197,800 (⬇️ -0.9% MoM)

• Burnaby: Detached homes benchmark at $2,000,000 (⬆️ 0.4% MoM)

Fraser Valley:

• Surrey: Detached homes benchmark at $1,514,500 (⬇️ -0.6% MoM)

• Langley: Detached homes benchmark at $1,637,500 (⬇️ -0.8% MoM)

• Abbotsford: Detached homes benchmark at $1,056,300 (⬆️ 4.0% MoM)

Supply and Demand Dynamics

Supply Side:

In June 2024, both the Greater Vancouver and Fraser Valley markets experienced a substantial influx of active listings, indicative of a shifting market landscape.

• Greater Vancouver: Active listings surged to 14,182, marking a 42% increase compared to June 2023. This significant rise suggests a growing willingness among homeowners to sell, potentially driven by perceived market peaks or economic pressures. The increase in listings provides buyers with a wider array of choices, potentially leading to more competitive pricing and better negotiation opportunities.

• Fraser Valley: The region mirrored this trend with active listings climbing to 8,350, reflecting a 40.5% year-over-year increase. This sixth consecutive month of inventory build-up underscores a robust supply pipeline, which is critical in a balanced market. The surge in listings across both regions is a double-edged sword; while it offers buyers more options, it also means sellers must price competitively and ensure their properties stand out in a crowded market.

Demand Side:

The demand dynamics in both regions have been nuanced, influenced by broader economic conditions, including interest rates and buyer sentiment.

• Sales Declines: The noticeable drop in sales, with Greater Vancouver seeing a -19.1% decrease and Fraser Valley a more pronounced -31.9% drop compared to June 2023, highlights a cautious buyer base. This hesitancy can be attributed to several factors:

  • Interest Rates: Despite the Bank of Canada's rate cut on June 5, which lowered the policy rate by 25 basis points, the anticipated boost in buyer activity did not materialize. This suggests that the rate cut was insufficient to offset concerns about long-term affordability and economic stability.

  • Economic Conditions: Ongoing economic uncertainties, including inflationary pressures and employment concerns, have likely contributed to a more conservative approach from potential buyers.

• Balanced Market Conditions: Despite the decrease in sales, both markets remain balanced, with sales-to-active listings ratios of 17.6% for Greater Vancouver and 16% for Fraser Valley. A balanced market, typically defined by a ratio between 12% and 20%, indicates that the supply of homes is roughly in line with demand, preventing significant price volatility. This balance suggests that while buyers are hesitant, there is still sufficient demand to absorb the increased supply without leading to a sharp decline in prices.

• Buyer Hesitancy: The prevailing buyer hesitancy can also be seen in the time it takes to sell properties. In Fraser Valley, condos are taking an average of 30 days to sell, while townhomes and detached homes are selling in 20 and 22 days, respectively. These metrics indicate a market where properties are still moving, albeit at a slower pace, requiring sellers to be patient and strategic in their pricing and marketing efforts.

Winners:

1. Buyers:

• Increased Inventory: With active listings surging to 14,182 in Greater Vancouver (a 42% increase) and 8,350 in Fraser Valley (a 40.5% increase), buyers have more choices than ever. This abundance in inventory can lead to better price negotiations and more competitive offers from sellers who are keen to stand out in a crowded market .

• More Selection: The significant increase in listings provides a wider array of property types and locations for buyers to choose from, enhancing their chances of finding the ideal property that fits their needs and budget.

2. Resilient Areas:

• Langley: Despite the overall market conditions, Langley has shown resilience. The benchmark price for detached homes in Langley is $1,637,500, marking a 2.3% increase from June 2023. This stability makes Langley an attractive area for buyers looking for steady investment .

• Abbotsford: Abbotsford also demonstrated price stability with the benchmark price for detached homes at $1,056,300, reflecting a 4.0% increase from May 2024. This indicates a healthy demand and confidence in the area, making it a reliable choice for buyers .

Losers:

1. Sellers in High Inventory Areas:

• Surrey: Surrey experienced a noticeable increase in active listings, with a 29.4% rise year-over-year. The benchmark price for detached homes in Surrey decreased by 0.6% from May 2024 to $1,514,500, and the average price saw a significant drop of -12.4% from the previous year. Sellers in Surrey face increased competition, longer time on market, and pressure to reduce prices to attract buyers .

• Richmond: Similar to Surrey, Richmond saw a decline in the benchmark price for detached homes by 0.9% from May 2024 to $2,197,800. The high inventory levels in Richmond mean that sellers need to be more competitive with their pricing and offer incentives to attract buyers. Additionally, the average price dropped by -11.9% compared to the previous year, reflecting the challenges sellers face in a saturated market .

Sales Performance by Property Type

Fraser Valley:

The Fraser Valley market shows a clear delineation in the time it takes to sell different types of properties. Here's a closer look at the average days on the market for various property types in June 2024:

• Condos: Condos took the longest to sell, averaging 30 days on the market. This extended timeframe can be attributed to the increased inventory and buyer hesitancy seen across the board.

• Townhomes: Townhomes were somewhat more in demand, taking an average of 20 days to sell. This quicker turnaround time indicates a stronger interest in this property type, possibly due to its balance between affordability and space.

• Detached Homes: Detached homes took an average of 22 days to sell, reflecting stable interest despite economic uncertainties. This category remains attractive for buyers seeking more space and privacy .

Greater Vancouver:

The sales performance in Greater Vancouver highlights the relative attractiveness of condos and townhouses compared to detached homes:

• Condos: Condos continue to be popular, largely due to their affordability relative to other property types. The benchmark price for an apartment in Greater Vancouver was $711,300, down -1.1% from May 2024, which keeps them within reach for many buyers.

• Townhouses: Townhouses also remain appealing, with a benchmark price of $998,400, down -0.5% from May 2024. The price drop, though slight, makes townhouses an attractive middle ground between condos and detached homes.

• Detached Homes: Detached homes, with a higher benchmark price of $1,834,100 (unchanged from May 2024), tend to stay on the market longer as buyers weigh the higher costs. However, well-priced properties are still selling relatively quickly .

Detailed Analysis:

Fraser Valley:

1. Condos:

   • Average Days on Market: 30 days.

   • Price Dynamics: The benchmark price for condos in the Fraser Valley was $551,100, down -0.7% from May 2024. This slight decrease, combined with the longer selling time, suggests a cautious approach from buyers in this segment .

2. Townhomes:

   • Average Days on Market: 20 days.

   • Price Dynamics: Townhomes had a benchmark price of $851,100, down -0.3% from May 2024. The quicker sales time reflects stronger demand, as buyers seek the space and amenities of townhomes without the higher costs of detached homes .

3. Detached Homes:

   • Average Days on Market: 22 days.

   • Price Dynamics: The benchmark price for detached homes in the Fraser Valley was $1,528,900, down -0.1% from May 2024. This slight decline and relatively fast sales indicate a steady demand, even in a high-inventory market .

Greater Vancouver:

1. Condos:

   • Affordability Factor: With the benchmark price at $711,300, condos remain a viable option for more buyers, especially first-time homeowners or those looking to downsize. The modest price drop of -1.1% from May 2024 reflects a stable yet cautious market.

   • Market Performance: Despite economic uncertainties, condos are selling well, thanks to their lower price points compared to other property types .

2. Townhouses:

   • Middle Ground: Townhouses, priced at $998,400, offer more space than condos while remaining more affordable than detached homes. The small price decrease of -0.5% from May 2024 suggests they are a stable investment choice.

   • Buyer Attraction: The combination of space, amenities, and relatively lower prices makes townhouses a consistently attractive option .

3. Detached Homes:

   • Higher Costs: With a benchmark price of $1,834,100, detached homes are the most expensive property type. This higher cost often translates to longer decision-making times for buyers.

   • Stable Demand: Even with a higher price tag, well-priced detached homes are still finding buyers relatively quickly, indicating a steady demand for premium properties .

Key Insights

Market Adaptation:

Both Greater Vancouver and Fraser Valley markets are adapting to increased inventory levels and economic uncertainties, with varied impacts on different property types. Condos, with their lower prices, continue to attract buyers despite taking longer to sell in the Fraser Valley.

Strategic Pricing:

For sellers, strategic pricing remains crucial. In high-inventory markets, pricing competitively can make the difference between a quick sale and a prolonged listing period. This is particularly important in areas like Surrey and Richmond, where increased competition and slight price drops necessitate more aggressive pricing strategies.

Buyer Opportunities:

Buyers benefit from the increased inventory and balanced conditions, offering them a prime opportunity to explore diverse options and negotiate favorable terms. The expanded inventory allows for more thorough due diligence, particularly in the condo and townhouse segments where price decreases are more noticeable.

Economic Vigilance:

Both buyers and sellers need to remain vigilant regarding economic indicators and policy changes, such as interest rate adjustments and inflation trends. These factors can significantly impact market dynamics and decision-making processes. Despite the Bank of Canada's rate cut in June, the boost to buyer activity was modest, indicating a need for ongoing economic watchfulness.

Supply and Demand Dynamics:

• Supply Side: Both regions saw significant increases in active listings, providing buyers with more options and potentially easing price pressures. Greater Vancouver saw a 42% increase in active listings, while Fraser Valley experienced a 40.5% increase.

• Demand Side: Sales declines in both regions reflect buyer hesitancy, influenced by economic conditions and interest rates. Greater Vancouver saw a 19.1% decrease in sales, and Fraser Valley saw a -31.9% drop. Despite this, both markets exhibit balanced conditions, with sales-to-active listings ratios of 17.6% and 16%, respectively.

Sales Performance by Property Type:

• Fraser Valley:

  • Condos: 30 days on market, benchmark price $551,100 (⬇️ -0.7% MoM)

  • Townhomes: 20 days on market, benchmark price $851,100 (⬇️ -0.3% MoM)

  • Detached Homes: 22 days on market, benchmark price $1,528,900 (⬇️ -0.1% MoM)

• Greater Vancouver:

  • Condos: Benchmark price $711,300 (⬇️ -1.1% MoM)

  • Townhouses: Benchmark price $998,400 (⬇️ -0.5% MoM)

  • Detached Homes: Benchmark price $1,834,100 (0% MoM)

Future Market Direction

Balanced Market Conditions:

With balanced market conditions and steady inventory levels, both Greater Vancouver and Fraser Valley markets are expected to maintain stability in the coming months. The increased inventory provides buyers with ample choices and negotiation power, while the balanced sales-to-active listings ratios suggest a stable environment without significant price volatility.

Buyer and Seller Advice:

• Buyers: This is a favorable time to explore options and negotiate favorable terms. Increased inventory means more choices and potential for better deals.

• Sellers: It is crucial to price competitively and leverage strategic marketing to stand out. In high-inventory areas, well-priced properties are still finding buyers relatively quickly.

Economic Vigilance:

Both buyers and sellers should stay informed about economic indicators and policy changes. Interest rate adjustments, inflation trends, and broader economic conditions will continue to play significant roles in market dynamics.

Interactive Insights:

• Price Trends Over Time: Monitoring price trends over time helps buyers and sellers make informed decisions.

• Sales-to-Active Listings Ratio: Understanding this ratio provides insights into market conditions and potential shifts between buyer's and seller's markets.

Conclusion

The Greater Vancouver and Fraser Valley real estate markets displayed resilience in June 2024, maintaining balanced conditions despite economic pressures and changing buyer sentiments. With increased inventory and stable prices, this is a favorable time for buyers to explore their options and for sellers to strategize effectively to stand out in the market.

Stay Informed: For more detailed data and personalized advice, feel free to contact our expert team. Your dream home or perfect investment is just a consultation away!

Subscribe: Don't miss out on our monthly market insights. Subscribe to our newsletter and stay ahead in the real estate game! 

As we navigate through the complexities of the real estate landscape, it's crucial to stay informed about market trends and shifts. April brought forth notable developments in the Greater Vancouver real estate market, offering insights that both buyers and sellers should be aware of.

Inventory Surge:
The inventory of actively listed homes for sale on the MLS® in Metro Vancouver saw a significant increase in April, reaching heights not seen since the summer of 2020. With a +42% year-over-year rise, breaching the 12,000 mark, this surge indicates a shifting landscape for buyers and sellers alike.

Steady Sales Activity:
Despite the surge in inventory, residential sales in the region experienced a modest increase of +3.3% compared to April 2023. However, this figure was -12.2% below the 10-year seasonal average, reflecting the evolving dynamics of the market.

Market Dynamics:
Andrew Lis, GVR’s director of economics and data analytics, notes that while many anticipated higher inventory levels with aggressive rate hikes by the Bank of Canada, the climb has been steadier than expected. Surprisingly, demand remains robust, and homeowners have been reluctant to sell, even amidst the highest borrowing costs in over a decade.

New Listings and Total Inventory:
In April 2024, 7,092 properties were newly listed for sale, marking a substantial +64.7% increase from the previous year. The total number of properties listed for sale reached 12,491, up +42.1% from April 2023. These figures underscore the growing options available to prospective buyers.

Sales-to-Active Listings Ratio:
The sales-to-active listings ratio for April 2024 stands at 23.5%, signalling a market favouring neither buyers nor sellers. However, segmented by property type, detached homes exhibit a ratio of 17.6%, while attached homes and apartments show ratios of 31.0% and 26.0%, respectively.

Price Trends:
Despite the increase in inventory, home prices continue to climb across most segments. Detached homes saw a benchmark price of $2,040,000, representing a +6.3% increase from April 2023. Apartments, however, experienced a slight decline in prices, likely influenced by higher mortgage rates and increased inventory levels.

Stability in Median Days on Market (DOM): While changes unfold in sales and inventory levels, the median DOM remains stable at 11 days. This metric, consistent with historical trends over the past three years, underscores the efficiency of transactions within the market and reflects strategic pricing by sellers and sustained buyer interest.

Where there is change there is opportunity and the Greater Vancouver real estate market in April 2024 presents both challenges and opportunities for buyers and sellers alike. With inventory levels rising and sales momentum continuing, navigating this dynamic landscape requires expert guidance and strategic decision-making.

Reach out to your trusted Solutions Real Estate Agent today to leverage their expertise and maximize your success in this evolving market. Whether you're buying, selling, or investing, our team is here to ensure you achieve your real estate goals with confidence and clarity.

Jiffy Move
778-397-6638
https://www.jiffymove.com/

Let Us Move
Bryan Way: 778-889-5518
http://letusmove.ca/
Above 2 companies recommended by Owners/Realtors of Keller Williams VanCentral

Greenwood Movers
604-512-5180
One of the owners of my brokerage recommends this group.
"Well priced and great service 604-512-5180 I've recommended them dozens of time and everyone loves them"  

Smart Choice Moving
604-828-9718
* a Korean moving company that my one of my clients used. Hard workers but movers may not speak English very well however owner of company can communicate well. Highly recommended in the Korean community.  

E-Z Moves
Abdul
(778) 317-8484
https://ezmovesco.com/
Recommended by our colleague Karnvir Tumber
“They’ve done a few of my moves, priced well”  

Frank Moving Company
(604)710-8312
Recommended by my colleague Gary Dhaliwal
“been using him for 13 years”  

Tiger Mover
(604) 838-8250
Recommended by our colleague Vijay Singh
“his name is Tiger and he is a very good mover”  

Honest Moving
Contact: ADA
Mobile: 604-783-1889
http://www.honestmoving.ca/
*Used by client C.W. when he moved from Vancouver to Richmond.
Per C.W.: They have tiered options. Larger the vehicle higher the cost. Small move should be minimal. They were great. Used them twice. Guys work hard and non stop.

Keith Barron
Associate Counsel
Clark Woods LLP

P: 604.330.1777
F: 1.888.819.2933
E: keith@clarkwoods.ca

Second Floor
946 Brunette Avenue
Coquitlam, BC, V3K 1C9
https://clarkwoods.ca/

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Edwin Chan
Edwin Chan Law Corporation

MetroTower 2
26th Floor – 4720 Kingsway
Burnaby, BC V5H 4N2

Phone: (778) 374-1736
Fax: (778) 331-3898
Email: esc@edchan.ca

his office is in Metro town. Very approachable and knowledgeable
http://www.edchan.ca
* several clients have used Edwin Chan. I often call him for questions.

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Drysdale Bacon McStravick LLP
https://www.dbmlaw.ca/

Telephone: 604-939-8321
Fax: 604-939-7584
Real Estate Fax: 604-939-8340

300 – 1055 W Hastings St.
Vancouver, BC V6E 2E9
Coquitlam

211 – 1015 Austin Ave.
Coquitlam, BC V3K 3N9

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Garton & Harris
1542 Prairie Ave, Port Coquitlam, BC V3B 1T4
o. 468-8900
w. https://gartonandharris.com

* Garton & Harris has completed the files of many Realtors at my brokerage.

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Spagnuolo & Company Lawyers
#300-906 Roderick Avenue
Coquitlam, BC V3K 1R1

Tel. 604-527-4242
Fax: 604-527-8976
https://www.bcrealestatelawyers.com
* several clients have used Spagnuolo

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Thershan Nainaar
Collingwood Law Office
260-3631 No. 3 Rd, Richmond, BC V6X 2B9

D: 778-945-0145
E: Tnainaar@collingwoodlawoffice.com
https://www.collingwoodlawoffice.com/team

Sandeep Gill
Keystone Law Group
Fraser Valley – Surrey
Real Estate
Estate Planning
Personal Injury 
Phone. (604) 593-3903
Fax. 604 593 3904
https://www.keystonelawgroup.com/ 

100 – 15129 100 Avenue
Surrey V3R 9P4
* a couple of Solutions clients have used Sandeep.

Vin Chahal
stlaw
Phone: 604-543-3886
Email: chahal@stlawbc.ca
https://stlawbc.ca/ 

208-7110 120 St., Surrey, BC
-speaks Hindi & Punjabi
* John Kemp's clients have worked with Vin

Jason Sandu
McQuarrie
Phone: 604.580.7020
Email: jsandhu@mcquarrie.com
https://www.mcquarrie.com/our-team/jason-s-sandhu/ 

offices in both Surry and Langley (not sure which one Jason works in)
*referred by colleague, Keller Williams agent, Vijay Singh

Randal Dhaliwal
Fasken
Phone: 604-631-6472
Email: rdhaliwal@fasken.com
https://www.fasken.com/en/randal-dhaliwal 

office is in Surrey
*referred by colleague, Keller Williams agent, Vijay Singh

Paul Sew
Acme Home Inspections
(778) 233-8246
e. paul@acmehomeinspections.ca
https://acmehomeinspections.ca/
* Paul has plenty of Google Reviews and has provided thourough inspections for several clients with Solutions Real Estate Group

Nigel Greenidge
ENG Inspections
778-302-4663
Nigel@enginspections.com
https://enginspections.com
* Nigel has performed home inspections for past clients. He is personable and thorough.
* Nigel has plenty of great Google Reviews

Ali Javaheri
Zinc Inspections
778-835-5381
info@zincinspections.com
https://zincinspections.com/
* Ali has a background in construction and home renovations.
* Alil has plenty of Google Reviews and has provided thourough inspections for several clients with Solutions Real Estate Group


David Fairbairn
Fairbairn Inspection Services
604-395-2795.
https://fairbairninspections.com
* David has plenty of Google Reviews and has provided thourough inspections for several clients with Solutions Real Estate Group
He is often very busy, but if you can book him great!  

Tom Monroe
Munro Home Inspections
https://munrohomeinspections.ca
604.612.3734
I have never used him because he’s so busy. But many of my colleagues have used him and I have attended his Inspection for Realtors seminars

Neil Chaube
604 Inspections
604-781-8059
http://www.604inspections.ca/
* Neil has plenty of Google Reviews and has provided thourough inspections for several clients with Solutions Real Estate Group

Beni Bennett & Ryan Kadow
Northwood Home Inspections
778-574-4663
https://northwoodhomeinspections.com/
*my past clients have used Beni & Ryan previously.
-Plenty of google reviews
-offers a lot of warranties
..outside warr1 days after possession (extra bonus)

Craig Woodward
Mortgage Professional
Dominion Lending Centres, Producers West Financial
Phone: 778-882-1354
Email. cwoodward@dominionlending.ca
Fax: 604-881-4352

#105 - 20171 92A Ave
Langley City, BC
V1M 3A5  

Andy Wai
Mortgage Broker
DLC CLEAR TRUST MORTGAGES
T. (778) 323-9449
E. Andy.Wai.MTG@gmail.com

A. 1665 Kingsway, Vancouver, BC, V5N 2S2

Angela Calla Mortgage Team
Dominion Lending Centres
Email: callateam@countoncalla.ca
Cell: 604-802-3983
https://angelacalla.ca/ 

1465 Salisbury Ave Unit 130
Port Coquitlam, BC V3B 6J3

Jessica Kuan
Partner | Residential Mortgage Broker
Signature Mortgages 
-A Division of Clear Trust Mortgages
Tel: 778.990.7422 
E: jessica.kuan@cleartrust.ca
* has partners that are fluent in both Mandarin and Cantonese. 

600-1200 West 73rd Avenue
Vancouver, BC V6P 6G5

Nick & Evangeline
Alltrust Mortgage Solutions
778-233-2294  Nick Shlyakhov
604-761-8212  Evangeline Villanueva
Email: evangeline@alltrustmortgage.com
https://alltrustmortgage.com/

* has connections that are fluent in both Mandarin and Cantonese. 
Burnaby

Ashley Lewthwaite
Licensed Insurance Broker
Johnston Meier Insurance & Realty Ltd.
Tel: 604-942-7214 x64121
Fax: 604-942-2639
Email: Ashley.Lewthwaite@jmins.com 

202-3387 David Ave, Coquitlam BC V3E 0K4

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Manjit Biring
Insureline
Mobile (604) 828-6211
Work (604) 695-7678
e. manjit@insurline.com

104-2331 Marpole Ave
Port Coquitlam, BC V3C2A1

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Aida Naghizadeh

One Stop Insurance
Mobile (604) 710-7111  

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Hub Insurance

Tel: 604-269-1200
Sharmin 604-269-1724

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CMW Capri 

1-844-263-0273