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First-Time Buyer Homes

Entry-level doesn't have to mean settling — it means being deliberate about what you actually need in a first home versus what you can grow into later.

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On the market now

Current listings in this collection

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For sale

Price on request

7717 - 85 Street

530 sq ft

Multi-familyMLS® 44340344

For sale10

3525 TENTH LINE

7 bed4 bath

HouseMLS® N13422752

For sale

0 STREET A - ESPRESSO ROAD

3 bed4 bath

HouseMLS® N13602870

For sale48

14264 EIGHTH LINE

6 bed3 bath

HouseMLS® W13568636

For sale6

325 ARCHIBALD STREET S

135,270 sq ft

Multi-familyMLS® X13604438

For sale38

209 EVANS STREET

3 bed1 bath

HouseMLS® X13618694

Programs worth checking before you shop

BC's Property Transfer Tax has a first-time buyer exemption on qualifying purchases up to a set price threshold, with a partial exemption phasing out just above it — worth confirming for any specific listing before you assume the full tax applies. On new construction, the federal GST new-housing rebate can reduce the GST owed on qualifying homes below certain price thresholds.

We start every first-time buyer relationship with financing, not listings — see our First-Time Buyer's Guide for the full sequence, from pre-approval through subjects to completion.

Common questions

Before you reach out

If yours isn't here, ask us directly — we'd rather answer it now.

Do I need 20% down to buy my first home?

No — insured mortgages are available with as little as 5% down on homes under $500,000 (a blended minimum applies between $500,000 and $1.5M), through CMHC or a private mortgage insurer, provided the purchase price is under $1.5M. You'll pay a mortgage default insurance premium, which is typically added to the loan.

Am I eligible for the BC first-time buyer property transfer tax exemption?

Eligibility depends on citizenship/residency status, whether you've owned property before anywhere in the world, and the property's price and use. We check eligibility against the current thresholds for any specific listing before you rely on it.

Should I buy a condo or a townhouse as my first home?

It depends on your budget, tolerance for strata rules, and whether you want a yard. Condos are typically more affordable and lower-maintenance; townhomes often give more space and sometimes a small outdoor area, usually at a higher price. We'll help you weigh the trade-off against your actual list, not a generic rule.

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