Home Buyer's Resources for Okanagan Home Buyers

Buying a home is a big decision - one that we would love to help you with! The articles and resources on this page are complimentary and part of the many services we offer. You will find a list of downloadable resources on the right-hand side menu.

Please do not hesitate to contact our team if you have any questions about buying a home in the Central Okanagan or elsewhere in British Columbia.

Downloadable Home Buyer Information

Our team has taken our years of experience to make sure that we give you all of the information you need to make an informed decision when buying a home. Whether this is your first home or one of many, we will be there to guide you along the way. We've compiled some quick tips you need to know and questions to ask when you're buying a home. Fill out the form below to get access to these Free Home Buyer Resources.

		Helpful Tips for Home Buyers: The Right Home at the Right Price
		Buying a Home: Common Errors to Avoid
		Buying Your First Home
		Luxury Upgrades: Do you need it?

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Home Buyer's Listing Search

To search for homes that match your specific criteria, please fill out the form below. You will also be notified by email of any new homes that are added.

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Home Mortgage Calculator

The way you approach mortgage shopping can literally save thousands of dollars. Take time to understand the system and make educated decisions. Doing so may very well cost you less over a shorter period of time.

If we can explain any steps along the way, please do not hesitate to contact us. We are always happy to help.

Required Fields
	Required term in years Must be a number between 1 and 50
Term In Years:
	Required interest rate Must be a number between 1 and 100
Interest Rate:	%
	Required cost of home
Cost of Home:	$
	Required down payment Cannot be more than Cost of Home
Down Payment:	$
	Required annual insurance
Annual Insurance:	$
	Estimate Insurance to 0.43% of Cost
	Required annual property tax
Annual Property Tax:	$
	Estimate Tax to 1.2% of Cost
	Required monthly income
Monthly Income:	$
	Required monthly debt
Monthly Debt:	$
Optional Fields
Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

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Mortgage
Qualification
Affordability
Rent vs Buy

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Principal & Interest:
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Income Needed to Qualify for the Mortgage

Total Monthly Loan Payment:
Total Monthly Debt Payment:
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Qualifying Income of % TDS Ratio:

What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:

Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)

Renting
Monthly Rent: $	RequiredMust be a positive number
Annual Rental Increases:	RequiredInvalid%
Monthly Renter Insurance: $	RequiredInvalid
Savings or Investment Rate:	RequiredInvalid%

Owning
Planned # of years in home:	RequiredInvalid
Yearly appreciation of the home:	RequiredInvalid%
Annual home maintenance:	RequiredInvalid%

See What Our Clients Have to Say

James and Michelle are absolutely incredible realtors. We have used a number of realtors over the years, and, in the Kelowna market, would never even consider using anyone else. They are extremely responsive, knowledgeable, and personable. It is a pleasure dealing with them. They definitely had our best interests in mind when making market recommendations. We are grateful to the Carmichaels for making our real estate transactions seamless and profitable!

- Monique Du Preez, BC