Free Download · BC First-Time Buyers · 2026 Edition

Everything you need to know about financing your first home in BC.

A 12-page guide built for British Columbia buyers, with current numbers, real scenarios, and plain language. No fluff, no sales pitch. The same walkthrough I give clients sitting across the table.

2026 FHSA and RRSP Home Buyers' Plan rules, including how to stack both for up to $200,000 in down payment
BC Property Transfer Tax exemptions and how to qualify
What closing costs actually look like with two real purchase scenarios
Step-by-step mortgage process from pre-approval to keys
CMHC insurance premiums, stress test rules, and the new $1.5M insured cap
Full glossary of terms so nothing catches you off guard

First-Time Buyer Guide · British Columbia · 2026

Your Complete Guide to Financing Your First Home

12 pages · Free download · Mack Chaisson, Mortgage Broker

Get the free guide

Download instantly

Enter your name and email and get the PDF sent directly to your inbox.

First Name

Email Address

Please enter your name and a valid email.

No spam, ever. Just the guide and occasional mortgage tips from Mack. Unsubscribe any time.

📬

Check your inbox!

The guide is on its way to your email. While you wait, you can also download it directly below.

Download PDF Now

Also sent to your email for easy access later.

What is inside

12 pages of content that actually matters for BC buyers.

Most first-time buyer guides are generic, outdated, or written to sell you something. This one was built specifically for British Columbia, with 2026 numbers, the programs that are actually available right now, and two real closing cost scenarios so you know what cash to have ready.

Whether you are just starting to think about buying or you have an accepted offer already, this guide fills in the gaps before we talk.

Is homeownership right for you right now?

The honest questions to ask before you start shopping, and what ownership actually costs beyond the mortgage.

2026 First-Time Buyer Programs

FHSA and HBP rules updated for 2026. How to stack both programs for up to $200,000 in down payment per couple.

BC Property Transfer Tax and CMHC

Who qualifies for the exemption, the new $1.5M insured mortgage cap, and how default insurance premiums work.

Closing costs with real numbers

Two side-by-side scenarios, $500K and $1M, showing exactly what cash you need beyond your down payment.

The mortgage process start to finish

Pre-approval to keys, each step explained without jargon. Plus a full glossary of every term you will encounter.

Mack Chaisson

Licensed Mortgage Broker · DLC / Clear Trust Mortgages · BC and Canada

I put this guide together because too many first-time buyers walk into the process without knowing what to expect. I work with buyers across BC every day and I know exactly where the surprises come from. If you want to walk through your specific numbers after reading, book a free call. No pressure, just answers.