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Buying a Home

Buying a property can be both time-consuming and stressful.  It doesn’t have to be that way, especially if you enlist the help of one of our expert REALTORS®.

We at CENTURY 21® Lakeside Realty Ltd. are the Local Experts and have proudly served the Shuswap area since 1984 with 2 Offices and a highly qualified Team of Professional REALTORS® who know the neighbourhood.

If we don’t have it … We will find it!

Can you buy a home without the help of a Realtor®?

Buying a property is one of the biggest financial transactions most of us will ever make. It is not a purchase you’ll want to regret.

It’s One-Stop-Shopping for you when you use a REALTOR® – When you have a REALTOR® working for you, you have one contact person to address all your inquiries, questions and concerns about any property listed for sale.  You call your REALTOR® … your REALTOR® gathers all the information and presents it to you.  Time and money saved by you by simply having to make a single call.

Time Commitment Do you really have the time and expertise it takes to search for a home?  Everybody’s time is valuable in today’s busy world and it is why we hire professionals to fix our vehicles, do our taxes and many other tasks that we do not have the time, expertise or access to tools, to do ourselves.

Of the thousands of properties listed for sale and advertised on the internet and in printed publications, do you have the time to search them all out, then eliminate and select the ones that meet your criteria?  How can you be sure you found everything available?

Many find that searching the web can be a frustrating and stressful process.  This is where our REALTORS® who work closely with the MLS® system on a daily basis and have an eye on the market day in and day out, week after week, can readily find properties for you to view within a matter of minutes.  When you consider the amount of time invested, are you really saving any time or money going it alone?

Take Your Time – Buying Real Estate is a major business transaction and is not an investment you should rush into.  Select a REALTOR® who is established in the area you are interested in, and who will provide you with sound, effective advice while keeping you informed about property activity in the area.  Many of our REALTORS® offer regular email newsletters with all the new, sold and modified listings in our area.  This serves to keep you informed and eliminates the need for you to have to waste time searching unassisted.

Is Recreation Property Right For You? Owning your primary residence does not completely prepare you for owning vacation property.  In many ways buying recreational property is like buying any other form of Real Estate but some of the details can present quite unique benefits and challenges.  It is important to work with a REALTOR® who specializes in the particular area of “cottage country” you are interested in.

Loyalty – Most importantly, remain loyal to the REALTOR® you have chosen once the REALTOR® has earned your trust.  After all, this person will be spending a lot of time and effort on your behalf.

Use A REALTOR® To Buy Your Home –

When you consider the services they provide – market knowledge, time investment, negotiating, dealing with legal issues – it pays to have one of our REALTORS® on your side and entitles you to an array of services and benefits you will not get when you “do it yourself” and for which has no initial expense to you.  You don’t pay until the job is done!

Home Buying Tips

There are many things a Buyer can do to prepare for purchasing a property.

  • Get your financial house in order
  • Speak with or visit your lender for pre-approval of a mortgage
  • Visit the area where you wish to purchase
  • Make a ‘Wish List’ of what the property must have
  • Make a list of what you would like the property to have but that you could add or change after purchase
  • Don’t forget to budget for additional costs associated with a purchase, such as insurance, taxes, legal fees or inspections
  • If you need to sell another property in order to purchase, get that property in tip-top shape to attract the best dollar
  • Choose a REALTOR® who is knowledgeable with the area and who can help you gather the information needed to make one of the most important purchases of your life.

Choosing a Realtor® to work with.

Whether Buying or Selling a home, you will want to work closely with your REALTOR®. Working with the right Professional is essential to achieving your goal.

How To Find A REALTOR®

There are many ways to find a REALTOR®.  It is important to find a REALTOR® who knows the area where you plan to buy or sell and that has a well-established office in that area.  Family, friends or co-workers can usually identify for you REALTORS® who live, work and participate in their community.

Another method would be to note the names of REALTORS® from publications and from “For Sale” signs in the market area of interest to you.

You could also ask your current REALTOR® to ‘Refer’ you to a REALTOR® in your area of interest.

And, since you will be working closely with a REALTOR® for weeks or possibly months, it is a good idea to choose someone you feel comfortable with: someone who listens to what you have to say, asks intelligent questions and shows a genuine interest in helping you.

Be Honest and Open

Once you have selected a REALTOR® to work with, be honest in discussing your financial situation, your timing needs, and carefully review with your REALTOR® the features of a property that are an asset to you.  This will help your REALTOR® to effectively market your home for sale or, find perspective homes for purchase that best suit your needs.  And in addition, it will save you a great deal of time and money.

Loyalty

Most importantly, remain loyal to the REALTOR® you have chosen once the REALTOR® has earned your trust.  After all, this person will be spending a lot of time and effort on your behalf.

It Shouldn’t Be a Game Of Chance

Skill and dedication are what you need to help when Buying or Selling.

Choosing the right REALTOR® is like having the perfect golf caddy,

  • Escorting you through even the most difficult course and …
  • Continually providing you with the tools you need to shoot a hole-in-one.
  • All the while, you are calling the shots.

The Buying Process

Deciding To Buy – with today’s interest rates and a wide variety of housing options and prices, buying a home may be one of the best long-term investments you will ever make.  But before taking the big leap to homeownership, it is important to consider your personal needs and financial situation carefully.

One of the easiest ways to evaluate your decision to buy is to ask yourself “If all else were equal, would I rather rent or own my home?”  It is safe to say that most of us would opt for home ownership.

Owning a home is not for everyone.  It’s a big responsibility that may require some sacrifices and possibly a lowering of expectations.  Remember, features like fireplace, ensuite bath, double-garage, over-sized lots, and private beach all add dollars to the price of any home.

There is much you the Buyer, should do to prepare for purchasing a home.  Once you have a good idea of how much you can afford, you can start to zero in on the home you want to buy.  This is where the value of having a REALTOR® assist you becomes clear.

So let’s get started.  Visit any one or more of the links below that will provide you with the information you need to help with your buying decisions.

Non Resident Buyers

If you are a non-resident of Canada, the purchase of property in British Columbia is simple.  The same rules and costs apply to you as they do to any purchaser.

You will be required to provide your REALTOR® with identification and you will also be required to enlist the services of a Lawyer or Notary licensed in British Columbia to register your newly purchased property.

For additional information on non-resident buyers and sellers please visit www.canada.ca

HELPFUL LINK:

Government Of Canada