{"id":3073,"date":"2021-01-29T15:11:18","date_gmt":"2021-01-29T23:11:18","guid":{"rendered":"https:\/\/wiibid.com\/?p=3073"},"modified":"2021-02-19T06:45:09","modified_gmt":"2021-02-19T14:45:09","slug":"6-tips-for-buying-a-home-in-british-columbia","status":"publish","type":"post","link":"https:\/\/wiibid.com\/?p=3073","title":{"rendered":"6 Tips For Buying A Home In British Columbia"},"content":{"rendered":"<div style=\"min-width: 300px; width: 60%; margin-right: auto; margin-left: auto;\">\n<p>For most of us, buying a home is the largest purchase that we will make in our lives and there are a lot of factors to consider. Whether you are a first-time home buyer or are relocating from your existing home, the feeling can be overwhelming and there are a few things to keep in mind.<\/p>\n<h2><strong>1. Make sure you are Ready\u00a0<\/strong><\/h2>\n<p>Buying a home and being a homeowner, involves continuous costs, risks and many other factors that need to be carefully considered. Before making your purchase, make sure you know and understand what is\u00a0involved when\u00a0buying a\u00a0home. Have you asked yourself the following questions;<\/p>\n<ul>\n<li>What is my price range?<\/li>\n<li>What are my options? House? Apartment? Duplex? Townhouse?<\/li>\n<li>What do I want in a home?<\/li>\n<li>Where do I want my home to be?<\/li>\n<li>What is the housing market like in BC?<\/li>\n<\/ul>\n<p>Even though you have will have a realtor, guiding you through the process you should have a good understanding of the how the market works.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>2. Understand if you are in a Buyer or Seller Market:<\/strong><\/h2>\n<p>When the average days on market is decreasing, it means properties are being sold faster and it is an indication of a seller market.\u00a0 An increasing average day on market generally means market is shifting to a buyer market. There are other measures such as sold\/active ratio which measures the portion of listings that have sold relative to how many properties have been listed. If the ratio is higher than 20% it generally means it\u2019s a seller market and if you can wait, you might be in a better negotiation position.<\/p>\n<p>According to the <a href=\"https:\/\/www.rebgv.org\/market-watch\/monthly-market-report\/december-2020.html\">Real Estate Board of Greater Vancouver<\/a> \u201ctotal houses sold in the month of December increased 22.1% to 30,944 sold vs 25,351 in December 2019.\u201d The following sales data reflect the market highlights for Detached, Townhouse, and Apartments for December 2020. Keep in mind these numbers also are impacted by seasonality, for example, Christmas holidays are generally slower months.<\/p>\n<div style=\"overflow-x: auto;\">\n<h3 style=\"text-align: center;\">Detached<\/h3>\n<table style=\"height: 119px; border-collapse: collapse; align: centre; width: 50%; margin-left: auto; margin-right: auto;\" border=\"1px solid black;\">\n<tbody>\n<tr>\n<td width=\"312\">Benchmark Price<\/td>\n<td width=\"312\">$1,554,600<\/td>\n<\/tr>\n<tr>\n<td width=\"312\">Active Listings<\/td>\n<td width=\"312\">2,913<\/td>\n<\/tr>\n<tr>\n<td width=\"312\">Sales<\/td>\n<td width=\"312\">1,026<\/td>\n<\/tr>\n<tr>\n<td width=\"312\">Average Days on Market<\/td>\n<td width=\"312\">50<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"text-align: center;\">Townhouse<\/h3>\n<table style=\"height: 119px; border-collapse: collapse; align: centre; width: 50%; margin-left: auto; margin-right: auto;\" border=\"1px solid black;\">\n<tbody>\n<tr>\n<td width=\"312\">Benchmark Price<\/td>\n<td width=\"312\">$813,900<\/td>\n<\/tr>\n<tr>\n<td width=\"312\">Active Listings<\/td>\n<td width=\"312\">1,176<\/td>\n<\/tr>\n<tr>\n<td width=\"312\">Sales<\/td>\n<td width=\"312\">593<\/td>\n<\/tr>\n<tr>\n<td width=\"312\">Average Days on Market<\/td>\n<td width=\"312\">32<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 style=\"text-align: center;\">\u00a0Apartment<\/h3>\n<table style=\"height: 119px; border-collapse: collapse; align: centre; width: 50%; margin-left: auto; margin-right: auto;\" border=\"1px solid black;\">\n<tbody>\n<tr>\n<td width=\"312\">Benchmark Price<\/td>\n<td width=\"312\">$676,500<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\" width=\"312\">Active Listings<\/td>\n<td width=\"312\">4,449<\/td>\n<\/tr>\n<tr>\n<td width=\"312\">Sales<\/td>\n<td width=\"312\">1,474<\/td>\n<\/tr>\n<tr>\n<td width=\"312\">Average Days on Market<\/td>\n<td width=\"312\">40<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p>&nbsp;<\/p>\n<h2><strong>3. Know Your Credit Score<\/strong><\/h2>\n<p>In Canada, your credit score ranges from 300-900 which is a summarised version of the information in your credit into one easy-to-understand number.\u00a0Factors\u00a0such as credit\u00a0liabilities, length of credit history, types of credit in use, credit seeking activities and repayment histories are all\u00a0contributors\u00a0to your credit score. This number heavily\u00a0contributes\u00a0to your\u00a0likeliness\u00a0of getting a loan\/mortgage. Don\u2019t know your credit score? You can check your\u00a0<a href=\"https:\/\/www.consumer.equifax.ca\/canada\/equifax\/b_en.html?CID=&amp;equifax%20canada_G_e&amp;adID=412128896552&amp;DS3_KIDS=p50810869072&amp;&amp;sakwid=43700050810869072&amp;gclid=Cj0KCQjws536BRDTARIsANeUZ59ztq7FqNgxhfNTxIUaJqT-XwStTT0Gtc5VoIblAFH0o_JwowBX01YaAlW1EALw_wcB&amp;gclsrc=aw.ds\">Equifax Credit Score<\/a>\u202fthrough WiiBid to get a better idea of where you stand.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>4. Find Your Perfect Realtor<\/strong><\/h2>\n<p>Choosing the right realtor is important as they are going to be the ones who guide you through the process, show you homes,\u00a0assist you in creating an offer that is in\u00a0your\u00a0best\u00a0interest\u00a0and to be there to answer any questions along the way.\u00a0It may be difficult to find your perfect realtor there are over 22,000 realtors in the Province of BC. So how do you know who is the best fit for\u00a0you? There\u2019s no single right answer for this but the key is\u00a0that your agent\u00a0needs to be\u00a0someone you trust\u00a0not only\u00a0professionally but\u00a0personally. Factors such as character and experience will vary person from\u00a0person,\u00a0so it is critical that their mission aligns with yours.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>5. Don\u2019t Forget to Have Fun<\/strong><\/h2>\n<p>It isn\u2019t\u00a0every day\u00a0you buy a home so make sure that you enjoy the road to finding your dream home. Viewing multiple homes, both\u00a0in different areas\u00a0and\u00a0different style homes. Doing additional research through MLS on your own in addition to your realtor, as many times the realtor has several other clients simultaneously, so it doesn\u2019t hurt to look at homes that you are interested and provide them to your realtor for expert advice.<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>6. Get Funded with WiiBid<\/strong><\/h2>\n<p>You\u00a0have found your dream home and\u00a0made your offer,\u00a0now\u00a0all that is left is\u00a0getting\u00a0funded.\u00a0Using <a href=\"https:\/\/wiibid.com\/\">WiiBid<\/a>, you only need to create and submit a single application to access all lenders at once. These lenders are bidding and competing against one another therefore you are provided with the best rates. Once you are funded with WiiBid, you are set to go; Happy shopping!<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><a href=\"https:\/\/app.wiibid.com\/Account\/Register\">Sign-Up To Get WiiBid Funding Today!<\/a><\/h2>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>For most of us, buying a home is the largest purchase that we will make in our lives and there are a lot of factors to consider. Whether you are a first-time home buyer or are relocating from your existing home, the feeling can be overwhelming and there are a few things to keep in [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3461,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[14,12,11,7],"class_list":["post-3073","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-borrower","tag-canadian-homeowner","tag-canadian-mortgage","tag-canadian-real-estate"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>6 Tips For Buying A Home In British Columbia | WiiBid<\/title>\n<meta name=\"description\" content=\"Whether you are a first-time home buyer or relocating from your existing home, WiiBid is here to help you get the best private mortgages!\" \/>\n<meta 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