Start your home search by checking out our listing map – it’s a breeze to find the homes you want to see. As a Pemberton Holmes client, you’ll get exclusive access to confidential property info like rents, taxes, and utility costs, as well as info on schools and recreation services.
Want to stay up-to-date with new listings that fit your preferences? Ask your agent to sign you up for our priority access program.
Negotiating a contract is all about balancing the needs and wants of both parties. When you’re ready to make an offer, your sales agent will craft one that’s attractive to the seller while still protecting your interests.
We’ve got your back every step of the way, with unwavering loyalty.
Once the purchase offer is accepted, it’s time for due diligence – making sure everything checks out before moving forward. This is your chance to inspect the property and make an informed decision.
If you’re buying a condo, this is also a great opportunity to review the rules and chat with the property manager about the current state of the strata corporation.
Buy or Rent?
Your goal for an appropriate home should be one that brings you comfort and peace. Your personal goals for flexibility, affordability, and tenure will guide the decision process so your home fits just right.
Home Ownership Statistics
Sources of Down Payments
Aim for a 20% down payment to reduce payments and avoid the expense of mortgage insurance. Consider budget, loan terms, and risk before borrowing for a down payment from a line of credit.
Combine Sources for a Down Payment
Your Journey to Home Ownership:
A Guide for First-Time Buyers
The decision to rent or own is a personal one that is guided by affordability, lifestyle, and savings goals. A Pemberton Holmes sales representative will help you understand the financial obligations and benefits of owning a home. If you feel ready, it may be time to start looking at properties.
We work from an approach of social consciousness and care for the community. We work to earn your trust with a duty of care that exceeds expectations. We believe in putting people first, always. Talk to a sales representative today to buy a home in the Fairfield neighbourhood of Victoria.
A mortgage broker will show you how much you can afford to borrow based on current income, assets, and down payment. Self-employed, new to Canada, or have a new job? Many banks and credit unions have special options for these borrowers.
At the top of your shopping list, put the ‘must haves’ and then follow with the ‘nice to have’ features. Transit, schools, and shopping are a few things to consider when choosing location. Your sales representative knows there is a home on the market just right for you.
Many first offers are returned with changes made to the conditions and price. If your counter offer (or first offer) is accepted without further conditions, the process of due diligence begins and you’re one step closer to being a homeowner.
The due diligence phase is where our sales team really shines. We want to make sure that everything is done properly and with your best interests at heart. When conditions are fulfilled, it’s time to contact your real estate lawyer to exchange the title.
“Our sales representative was amazing – she helped us realize our potential as homeowners with top-notch service, both online and off.
Pemberton Holmes made our home-buying experience awesome with their forward-thinking approach.”