5 Essential Steps to Buying a Home in Surrey, BC (or Anywhere in BC)

Buying a home isn’t just a big deal—it’s probably the biggest financial investment you’ll ever make. Whether you’re looking in Surrey, BC, White Rock, or beyond, the process can feel overwhelming.

But don’t worry! We’ve broken it down into 5 practical steps to help you navigate the journey like a pro. Let’s get started so you can confidently make your next move!

Step 1. Do Your Research (Like You’re Doing Now!)

Before diving into open houses and mortgage applications, start by gathering as much information as you can.

• Ask yourself the basics: Where do you want to live? What type of property suits your lifestyle?
• Use online tools like affordability calculators to get a rough idea of your budget—but remember, entering your details might lead to sales calls.
• Research market trends, neighbourhoods, and home types from the comfort of your home.

Pro Tip: This is the perfect time to explore your needs and wants without any outside pressure.

Step 2. Hire the Right Real Estate Agent

Your agent isn’t just a guide—they’re the quarterback of your home-buying journey.

• Interview at least two agents to find someone with experience, expertise, and a great track record.
• Look for area specialists who know your desired neighbourhood inside-out.
• Don’t forget to ask, “How many homes have you sold in the last year?”

Need help? Check out our Educated Buyers Guide for top questions to ask when hiring an agent.

Step 3. Find a Mortgage Professional You Can Trust

Not all mortgage professionals are created equal, so choose wisely!

• Learn the difference between mortgage brokers and banks—each offers unique benefits.
• Ask upfront about cancellation fees and how they’re calculated. They vary widely and could cost you tens of thousands if you need to break your mortgage.
• Decide whether a fixed or variable rate mortgage aligns better with your long-term goals.

Remember: Your mortgage is often the second most expensive financial decision you’ll make after buying your home.

Step 4. Educate Yourself with Your Team

Now that you’ve got your agent and mortgage professional, lean on their expertise.

• Learn about grants and rebates, especially if you’re buying in BC.
• Explore different neighbourhoods and property types you might not have considered.
• Stay informed about current market trends to strengthen your negotiation strategy.

Bonus: Download our guide to 21 home buyer grants and rebates in BC!

Step 5. Take Action and Start Shopping!

The best way to learn is by doing. Once you’re prepared, it’s time to hit the market.

• Tour homes that meet your criteria and keep an open mind—you might discover unexpected gems.
• Use your agent’s advice to make smart decisions and negotiate like a pro.

Your Next Step Starts Here!

If you’re ready to take the plunge, these 5 steps will help you avoid missteps and make the best decisions possible. Need more guidance? Check out our BC Home Buyers Course—over 3 hours of expert advice, worksheets, and strategies to help you buy your dream home.

Hurry! We’re giving away the last few spots for FREE. Check out the link above for your promo code before it’s too late!

My name is Darin, the team leader with the Germyn Group, with Macdonald Realty, a REALTOR in Surrey, British Columbia.

If this is your first time reading our blogs, we are here to educate you on everything there is to know about living in Surrey or White Rock, British Columbia. If you’re looking to make a move in the next 9 days, 90 days or 9 months, shoot us a text, give us a call, or book an in-person zoom meeting with us so we can learn a little bit more about your situation and let you know what we can do to help you. This way, we can make sure your move to Surrey or White Rock is a smooth one

What if I have any questions about moving to Surrey or White Rock, BC?

Selecting an excellent real estate professional is key to a successful home purchase. The Germyn Group, with our deep understanding of South Surrey/White Rock and its real estate dynamics, is committed to guiding you every step of the way.

We invite you to book a consultation with us. During our meeting, we’ll discuss your needs, preferences, and any questions you might have about the South Surrey/White Rock real estate market.

As you embark on this exciting journey, remember that the right home in Surrey is more than just a property; it’s a foundation for your future. With the Germyn Group by your side, let’s make your dream of homeownership in South Surrey/White Rock a beautiful reality.