Six BC real estate calculators
Free, no sign-up, and nothing you type leaves your browser. Each one shows the rule in plain English, a worked example, and the government source it came from — named and dated, so you can check it yourself.
Property transfer taxThe biggest single cash item on completion day. Band by band, with the 2026 first-time buyer and newly built exemptions applied.
Closing costsEverything you pay on top of the down payment. Land Title fees pre-filled at the published rate, and the 12% tax on legal fees most pages get wrong.
Mortgage and stress testYour payment with semi-annual compounding, the rate you must actually qualify at, and the CMHC premium including the Home Start rules.
Rescission deadlineThree business days, to the hour, with every BC statutory holiday removed. Enter the date your offer was accepted.
Commission and net proceedsYou set the rate. See the fee, the GST on it, your mortgage payout, and what actually lands in your account.
Speculation and vacancy taxThe rates rose on 1 January 2026 to 3% and 1%. Most pages still publish the old ones. All three North Shore municipalities are taxable regions.
Three things most BC calculators still have wrong. The federal Underused Housing Tax no longer exists for 2025 or later years — it ended by legislation on 26 March 2026. A 30-year amortization is not an option on a standard insured mortgage; it needs a separate CMHC programme and carries a higher premium. And in British Columbia a lawyer’s fee carries 7% PST as well as 5% GST — 12% combined, not 5%. These six are built on the current rules and every figure is cited.
Working out whether a place is actually within reach? These give you the arithmetic. I can give you the rest — what the street really sells for, what the strata documents say, and what to write in the offer. Book fifteen minutes, in English or Farsi.
Every calculator on this site is an estimate for planning only and is not tax, legal or financial advice. Confirm the figures with your lawyer, notary, accountant or lender before you rely on them. Rates and fees are those published by the responsible government on the date stated on each page. Tom Jahed, REALTOR®, Personal Real Estate Corporation, Vanak Realty.