Kris Ong Real Estate — BC Lower Mainland

Buyers Guide

Navigating the buying process can be complex — I simplify every step from your first search all the way to your final walkthrough and keys in hand.

40×
More net worth —
avg homeowner vs renter in BC
~70%
Avg. home appreciation
in BC over 10 years
5%
Minimum down payment
to get started
01 — Preparation

Get Your Finances in Order First

Before you fall in love with a property, know what you can actually afford. Getting a mortgage pre-approval is the first and most important step. It tells you your exact budget, shows sellers you're a serious buyer, and speeds up the offer process when you find the right home.

02 — The Search

Finding the Right Property

Once you know your budget, we get clear on what you actually need — neighbourhood, size, type of home, commute, schools, and lifestyle priorities. I set you up with automated MLS alerts so you see new listings the moment they hit the market, and I give you access to off-market opportunities through my network that you won't find on Realtor.ca.

The best properties in BC move fast. Having a realtor with an active network means you hear about homes before they're publicly listed — giving you a real edge in a competitive market.

03 — Making an Offer

Writing a Competitive, Protected Offer

When you find the right home, I help you craft an offer that's competitive without being reckless. I advise on the right price based on comparable sales, what subjects (conditions) to include to protect you, and how to structure your offer to appeal to the seller's priorities — not just the number.

01

Purchase Price

Based on a full CMA — what the home is worth, what comparables sold for, and current market conditions.

02

Subject Clauses

Financing, inspection, and title review subjects protect you. I advise on which ones to include and how to handle them strategically.

03

Completion Date

The right timeline matters — aligning with your mortgage closing, moving plans, and the seller's needs strengthens your offer.

04

Deposit

A strong deposit shows you're serious. Typically 5% of purchase price, payable within 24–48 hours of acceptance.

04 — Due Diligence

Know Exactly What You're Buying

Once your offer is accepted with subjects, you have a window to verify everything. I walk you through this process so nothing gets missed.

05 — Closing Costs

What to Budget Beyond the Purchase Price

Many buyers are surprised by the additional costs on closing day. Budget 2–4% of the purchase price on top of your down payment to cover these costs.

First-time buyers in BC may qualify for the Property Transfer Tax exemption — potentially saving you thousands. Ask me if you qualify before we write your offer.

Ready to Buy?

Let's start with a free buyer consultation. I'll walk you through the entire process, help you understand your budget, and build a strategy to find your perfect home.

Book a Free Consultation