Bringing Affordable Housing to Surrey: A Cause Close to My Heart❣

As a realtor, I am dedicated to helping people find their perfect homes. However, I am acutely aware that for many, the dream of homeownership or even securing affordable housing is not easily attainable. That’s why I am honored to be part of an incredible affordable housing initiative right here in Surrey.
I believe that everyone should have the "OPTION" to find a safe, comfortable place to call home. This belief drives my passion and commitment to this cause.
🤝 I am thrilled to share that I am now working alongside the Entrepreneurs of Options Group, a dedicated team within Options Community Services. This group is devoted to creating and promoting accessible housing solutions, ensuring that everyone in our community has the opportunity to find affordable housing.
Habitat@81st is one of our shining achievements—a project that has provided 100 homes to individuals and families in need. But our work doesn't stop here. We have many more exciting initiatives planned to continue building and supporting affordable housing options.
How You Can Help!
Your support is crucial to our success. If you are passionate about affordable housing and want to make a difference, I invite you to join us. Your contributions can have a profound impact on our community.
Please visit our page to learn more about our initiatives and how you can get involved. Your donation, no matter the size, can help transform lives and build a brighter future for many.

you for your generosity and support 🙏.

Together, we can make a significant difference in the lives of those who need it most.


Save up to $500

BC Property Tax Deferment: Save up to $500 Program and Its Benefits

Homeownership in British Columbia can be a rewarding investment, but with rising inflation and increasing costs of living, many homeowners are feeling the financial pinch. Fortunately, the BC Property Tax Deferment program offers a valuable solution to help ease the burden. This program allows eligible homeowners to defer their property taxes, potentially saving them up to $500 or more per year. Here’s how it works and how it can benefit those who qualify.

What is the BC Property Tax Deferment Program?

The BC Property Tax Deferment program is a low-interest loan program that helps homeowners defer their property taxes until they sell their home or transfer ownership. This means that instead of paying property taxes annually, eligible homeowners can defer these payments, giving them financial flexibility and relief.

Who Qualifies for the Program?

To qualify for the BC Property Tax Deferment program, homeowners must meet specific criteria, including:

  1. Age and Residency: The homeowner must be 55 years or older, a surviving spouse, or a person with a disability. For families with children, the homeowner must be a parent or step-parent of a child under the age of 18.

  2. Home Equity: The applicant must have at least 25% equity in their home based on the current assessed value.

  3. Principal Residence: The property must be the homeowner’s principal residence.

  4. Property Tax Account: The homeowner must have paid any previous year’s property taxes.

Benefits of the Program

  1. Financial Flexibility: By deferring property taxes, homeowners can free up funds to cover other essential expenses, such as home repairs, medical bills, or daily living costs. This is especially beneficial for those on a fixed income or dealing with unexpected financial hardships.

  2. Low-Interest Rates: The program offers a low-interest rate on deferred taxes, making it a cost-effective option compared to other types of loans or credit. The interest rate is simple, not compounded, which means it accumulates more slowly over time.

  3. Protection Against Inflation: As inflation drives up costs, deferring property taxes can provide significant relief. Homeowners can maintain their standard of living without the added pressure of high property tax payments.

  4. No Immediate Repayment: Deferred property taxes do not have to be repaid until the homeowner sells the property or it is transferred to a new owner. This long-term relief can help homeowners plan their finances more effectively.

  5. Easy Application Process: Applying for the program is straightforward. Homeowners can apply online or by mail, and once approved, the deferred taxes are automatically applied each year.

Real-Life Impact

Consider a retired couple living in Vancouver, where property taxes can be quite high. With their fixed pension income, managing yearly property taxes on top of everyday expenses can be challenging. By deferring their property taxes, they can save up to $500 or more annually, which they can use for healthcare, home maintenance, or simply to enjoy their retirement without financial stress.


The BC Property Tax Deferment program is an invaluable tool for eligible homeowners struggling with inflationary costs. It provides financial relief, helps protect against inflation, and ensures that homeowners can maintain their quality of life. If you or someone you know meets the eligibility criteria, it’s worth exploring this program to see how it can provide financial peace of mind.

For more information on how to apply and the benefits of the program, visit the BC Government Property Tax Deferment page. Don't let rising costs overwhelm you—take advantage of solutions that work and help you stay financially stable.

Let's Connect! Whether you're buying, selling, or just curious about the real estate market, I'm here to help. Sign up today for valuable insights, tips, and updates on the housing market, and let's embark on this exciting journey together!


Bank of Canada Cuts Interest Rate: What It Means for the Real Estate Market

Bank of Canada Cuts Interest Rate: What It Means for the Greater Vancouver Real Estate Market

The Bank of Canada made a significant move this morning June 5th, by cutting its benchmark interest rate by 25 basis points, lowering it to 4.75%. This decision marks the first rate reduction in more than four years and comes as no surprise to economists who had anticipated this change. The central bank cited several reasons for the cut, including progress on lowering inflation, weaker-than-expected economic growth in the first quarter, and slower employment growth relative to the working-age population.

Understanding the Rate Cut

The central bank’s statement emphasized that the reduction in the policy interest rate reflects a shift in monetary policy from being highly restrictive to slightly less so. Claire Fan, an economist at the Royal Bank of Canada, explained that this change indicates the central bank is "easing off the brakes rather than stepping on the gas." Despite the cut, monetary policy remains in restrictive territory, with RBC predicting three more rate cuts this year, potentially bringing the overnight rate to 4% by the end of 2024.

Implications for the Vancouver Real Estate Market

1. Lower Borrowing Costs

One of the immediate effects of the interest rate cut is the reduction in borrowing costs. For homebuyers in Vancouver, this means lower mortgage rates, which can make homeownership more affordable. With borrowing costs slightly reduced, prospective buyers may find it easier to qualify for mortgages and manage monthly payments, potentially leading to an increase in home-buying activity.

2. Increased Buyer Confidence

The rate cut is likely to boost consumer confidence. Lower interest rates can alleviate some of the financial pressures on households, encouraging more people to enter the real estate market. This increased confidence can result in higher demand for homes, as buyers feel more optimistic about their financial situation and future economic conditions.

3. Potential for Higher Demand and Competition

As borrowing becomes more affordable, the Vancouver real estate market could see a surge in demand. This heightened demand may lead to increased competition among buyers, particularly in desirable neighborhoods. Sellers could benefit from this scenario, potentially seeing higher offers and quicker sales. However, buyers might face competitive bidding environments, necessitating prompt and decisive action.

4. Slight Easing of Affordability Concerns

While Vancouver's real estate market remains one of the most expensive in Canada, the interest rate cut could slightly ease some affordability concerns. Lower mortgage rates mean that a larger portion of buyers' payments can go towards principal rather than interest, making high-priced homes somewhat more accessible. However, it is important to note that even with rate cuts, overall affordability challenges persist due to high property prices.

5. Investment Opportunities

For real estate investors, the interest rate cut opens up new opportunities. Lower borrowing costs can improve the viability of investment properties by enhancing cash flow and overall return on investment. Investors might find this an opportune time to enter the market or expand their portfolios, especially in a city like Vancouver where rental demand remains strong.

Long-Term Outlook

While the current rate cut spells good news for the real estate market, it is crucial to keep an eye on the Bank of Canada’s future moves. RBC’s forecast of three additional rate cuts this year suggests a trend towards further easing, which could continue to support the housing market. However, the central bank’s stance that monetary policy remains in restrictive territory indicates that rates will not return to historically low levels in the near term.


The Bank of Canada’s recent interest rate cut to 4.75% is a positive development for the Vancouver real estate market. Lower borrowing costs, increased buyer confidence, and potential boosts in demand and competition are all likely outcomes. However, ongoing affordability challenges and the central bank’s cautious approach to further easing mean that market participants should remain informed and prepared for a dynamic landscape.

For those looking to buy, sell, or invest in the Greater Vancouver area, now is an excellent time to explore your options and make strategic decisions. 

💫 Let's Connect! Whether you're buying, selling, or just curious about the real estate market, I'm here to help. Sign up today for valuable insights, tips, and updates on the housing market, and let's embark on this exciting journey together!


MLS Listings in South Surrey & White Rock

Discover Your Dream Home with Our Comprehensive MLS Listings in South Surrey & White Rock

Searching for the perfect home in South Surrey and White Rock has never been easier! Our website offers a user-friendly platform that allows you to explore MLS listings in the areas that interest you the most. Whether you're looking for a cozy beachside retreat or a luxurious estate, our customizable search options make finding your dream home a breeze.

Search MLS Listings by Area

Our website features an intuitive search tool that lets you narrow down your property search by specific neighborhoods. Focus your search on areas such as:

  • Elgin Chantrell

  • Ocean Park

  • Crescent Beach

  • Sunnyside Park

  • Grandview

  • Pacific Douglas

  • Morgan Creek

  • White Rock

Simply select the neighborhood that appeals to you, and start exploring the available listings!

Customize Your Search

Tailor your search to meet your specific needs with our advanced filtering options. You can customize your search by:

  • Price Range: Find homes that fit your budget.

  • Square Footage: Ensure you have enough space for your lifestyle.

  • Age of Home: Choose from new constructions or established homes.

  • Bedrooms and Bathrooms: Find the right number of rooms for your family.

Quick Search Look-Up

For your convenience, our website includes a Quick Search Look-Up drop-down menu. This feature allows you to swiftly access listings in your desired neighborhood without having to navigate through multiple pages. It’s a quick and efficient way to start your home search.

Browse Sold Listings

Curious about the real estate market trends in your favorite neighborhoods? Our website also allows you to browse sold listings from the past two years. This feature provides valuable insights into how much homes are listing and selling for, helping you make informed decisions about your real estate investments.

By exploring sold listings, you gain a better understanding of the market value of properties in areas like Elgin Chantrell, Ocean Park, Crescent Beach, and more. This knowledge can be crucial when negotiating prices or deciding on the right time to buy.

Start Your Search Today!

Our website is designed to make your home search in South Surrey and White Rock as seamless and enjoyable as possible. With our customizable search options, quick search look-up, and access to sold listings, you have all the tools you need to find your dream home.

Visit our website today and start exploring the MLS listings in South Surrey and White Rock. Your perfect home is just a few clicks away!

💻 Click to learn more:

💫 Let's Connect! Whether you're buying, selling, or just curious about the real estate market, I'm here to help. Sign up today for valuable insights, tips, and updates on the housing market, and let's embark on this exciting journey together!


Should I Declutter My Home Before I Sell?

Absolutely!  Decluttering your home before listing it is one of the most effective ways to make it more attractive to potential buyers. Here are several reasons why decluttering can help sell your home faster and possibly even increase its value:

1. Improves Visual Appeal

  • First Impressions: A clutter-free home looks cleaner, more spacious, and well-maintained, creating a positive first impression.

  • Highlighting Features: Decluttering allows architectural details and home features to stand out rather than be overshadowed by personal items or excess furniture.

2. Creates a Sense of Space

  • Spaciousness: Removing unnecessary items makes rooms look larger, which is a key factor for buyers. Spacious homes often appear more valuable.

  • Flow and Functionality: A decluttered home has better flow and feels more functional, helping buyers envision how they would use the space.

3. Enables Buyers to Visualize Themselves in the Space

  • Neutral Environment: A decluttered home feels more neutral and less personalized, making it easier for buyers to imagine themselves living there.

  • Focus on Potential: Without personal items, buyers can focus on the potential of the home and how it can meet their needs.

4. Reduces Distractions

  • Clean Slate: Buyers can concentrate on the home itself rather than being distracted by clutter or personal belongings.

  • Professional Photos: Professional real estate photos look better without clutter, which can attract more online views and interest.

5. Demonstrates Care and Maintenance

  • Well-Kept Appearance: A tidy home suggests that it has been well cared for, which can reassure buyers about the property's condition.

  • Positive Perception: Buyers may perceive a decluttered and clean home as being in better shape, both structurally and aesthetically.

6. Speeds Up the Selling Process

  • Quick Decisions: Buyers are more likely to make quicker decisions on a home that looks move-in ready and doesn't need immediate cleaning or decluttering.

  • Increased Offers: A more appealing home can attract multiple offers, potentially leading to a quicker sale.

7. Potential for Higher Offers

  • Perceived Value: When buyers see a home that looks spacious, well-maintained, and ready to move in, they may be willing to offer a higher price.

  • Competitive Edge: In a competitive market, a decluttered home can stand out against other listings, giving it an edge in attracting serious buyers.

Practical Tips for Decluttering:

  • Start Early: Begin the decluttering process as soon as you decide to sell.

  • Room by Room: Tackle one room at a time to avoid feeling overwhelmed.

  • Remove Personal Items: Store away family photos, personal collections, and other items that personalize the space.

  • Minimize Furniture: Keep only essential furniture pieces to make rooms look larger and more open.

  • Organize Closets and Storage Areas: Buyers will look inside closets and storage spaces, so make sure these areas are neat and organized.

  • Consider Storage Solutions: If necessary, rent a storage unit to temporarily store items that you want to keep but need to remove from your home.

By taking the time to declutter, you can significantly enhance your home’s appeal, potentially increase its value, and expedite the selling process.

Let's Connect! Whether you're buying, selling, or just curious about the real estate market, I'm here to help. Sign up today for valuable insights, tips, and updates on the White Rock South Surrey housing market, and let's embark on this exciting journey together!


Navigating Tenant Notice Rules in British Columbia

As a landlord in British Columbia, understanding the rules and regulations surrounding giving notice to tenants is essential. Whether you need to terminate a tenancy for personal use, renovation, or other reasons, it's crucial to follow the proper procedures outlined by the Residential Tenancy Act. In this blog post, we'll explore the rules and requirements for landlords giving notice to tenants in BC, ensuring a smooth and lawful process for all parties involved.

1. Grounds for Giving Notice: Landlords in BC can give notice to tenants for various reasons, including:

  • Personal use of the property by the landlord or their family member.

  • Renovations or repairs that require the unit to be vacant.

  • Property sells. The buyer submits a written request to the seller stating they will be occupying the rental unit before taking possession of the property, and the seller (or current landlord) gives the tenant a two month notice to end tenancy. 

  • Landlord's plans to demolish the property.

2. Notice Periods: The notice period required depends on the reason for giving notice:

  • For personal use, renovations, or repairs, landlords must provide two months' notice.

  • For sale of the property, landlords must provide two months' notice 

  • For demolition, landlords must provide four months' notice.

3. Serving Notice: Landlords must serve notice to tenants using the proper form specified by the Residential Tenancy Branch. The notice must include details such as the reason for termination, the date the tenancy will end, and any additional information required by law.

4. Compensation and Assistance: In some cases, landlords may be required to compensate tenants or provide assistance with relocation expenses, depending on the reason for termination and the tenant's circumstances. It's essential to familiarize yourself with these requirements to ensure compliance with the law.

5. Dispute Resolution: If tenants dispute the notice or believe it is invalid, they have the right to dispute the termination through the Residential Tenancy Branch. Landlords should be prepared to provide evidence supporting their reasons for giving notice and participate in any dispute resolution proceedings as required.

Conclusion: Giving notice to tenants in British Columbia is a regulated process governed by the Residential Tenancy Act. Landlords must adhere to specific rules and requirements when terminating a tenancy for personal use, renovations, sale of the property, or other reasons. By understanding these rules and following the proper procedures, landlords can ensure a lawful and orderly process for giving notice to tenants.

For more information and assistance with giving notice to tenants in BC, landlords can consult the Residential Tenancy Act

Disclaimer: The information provided in this blog post is for informational purposes only and should not be construed as legal advice. Landlords should consult the Residential Tenancy Act and seek legal counsel for specific questions or concerns regarding giving notice to tenants in British Columbia.


Buy Now Or Wait?

Deciding whether to buy now or wait for changes in interest rates depends on various factors, including your personal financial situation, housing market conditions, and long-term goals. Here are some considerations to help you make an informed decision:

Buy Now if:

  1. Favorable Market Conditions: If the housing market in your area is currently favorable for buyers, with a good selection of homes and competitive prices, it might be a good time to buy. “We are seeing a relatively calm and balanced market right now,” said Jeff Chadha, Chair of the Fraser Valley Real Estate Board. “Which means buyers have time to shop around and purchase a home without the pressure of a few years ago, and while prices are holding fairly steady across all property types.”

  2. Stable Financial Situation: If you have a stable income, sufficient savings for a down payment and closing costs, and a good credit score, you may be well-positioned to buy now.

  3. Low Interest Rates: If current interest rates are historically low, locking in a mortgage now could potentially save you money on interest payments over the life of the loan. As of May 21, 2024, the lowest mortgage rate in Vancouver is 4.59% for a 5-Year Fixed mortgage. The predictions range from a decrease of 25 basis points (0.25%) to a total drop of around 100 basis points (1.00%) by year-end. The next Bank of Canada rate announcement is on June 5th, 2024, and could be a turning point. Market expectations lean towards a potential decrease of 25 basis points.

  4. Long-Term Plans: If you plan to stay in the home for the long term and are confident in your ability to afford the monthly mortgage payments, buying now could be a wise investment in your future.

Wait if:

  1. Interest Rate Trends: If interest rates are expected to decrease further in the near future, waiting could allow you to secure a lower mortgage rate and potentially save money on your monthly payments.

  2. Market Uncertainty: If there is uncertainty in the housing market, such as rising home prices or inventory shortages, waiting may give you more options and negotiating leverage when purchasing a home.

  3. Financial Preparation: If you need more time to save for a larger down payment, pay off debt, or improve your credit score, waiting could put you in a better financial position to qualify for a mortgage with favorable terms.

  4. Life Changes: If you anticipate major life changes in the near future, such as a job relocation, marriage, or starting a family, it may be prudent to wait until your situation stabilizes before committing to a home purchase.

Consult with a Financial Advisor:

Before making a decision, consider consulting with a financial advisor or mortgage professional who can provide personalized advice based on your individual circumstances and the current economic landscape. They can help you assess the pros and cons of buying now versus waiting, taking into account factors such as interest rates, market conditions, and your long-term financial goals.

Ultimately, the decision to buy now or wait depends on your specific needs, preferences, and financial objectives. Take the time to carefully evaluate your options and make a decision that aligns with your overall financial plan and lifestyle goals.

Let's Connect! Whether you're buying, selling, or just curious about the real estate market, I'm here to help. Sign Up for valuable insights, tips, and updates on the White Rock South Surrey housing market, and let's embark on this exciting journey together!


Why Do I Want to Buy a Home in White Rock, South Surrey?

Buying a home in White Rock South Surrey offers numerous benefits and advantages that make it an attractive choice for many individuals and families:

  1. Scenic Coastal Location: White Rock, South Surrey is renowned for its stunning waterfront setting, with beautiful sandy beaches, panoramic ocean views, and a picturesque promenade. Living in White Rock, South Surrey allows you to enjoy the natural beauty of the coast and experience a relaxed beachside lifestyle.

  2. Mild Climate: White Rock, South Surrey enjoys a mild climate year-round, with relatively warm summers and mild winters. This Mediterranean-like climate makes it an ideal destination for outdoor activities and recreation throughout the year.

  3. Community Atmosphere: White Rock, South Surrey has a tight-knit community atmosphere, offering a welcoming and friendly environment for residents. The city hosts various events, festivals, and community gatherings, fostering a sense of belonging and camaraderie among neighbors.

  4. Amenities and Services: White Rock, South Surrey boasts a wide range of amenities and services, including shops, restaurants, cafes, parks, and recreational facilities. Everything you need for daily living is within easy reach, enhancing convenience and quality of life.

  5. Cultural and Recreational Opportunities: White Rock, South Surrey offers an array of cultural and recreational opportunities for residents to enjoy. From art galleries and theaters to sports clubs and outdoor activities like hiking, cycling, and water sports, there's always something to see and do in the area.

  6. Quality Education: The city is home to several schools offering quality education, making it an attractive option for families with children. Additionally, there are educational and enrichment programs available for residents of all ages.

  7. Real Estate Investment: White Rock, South Surrey’s real estate market offers a diverse range of housing options, from cozy condos to luxury waterfront properties. Investing in a home in White Rock can be a sound financial decision, with the potential for property appreciation over time.

  8. Proximity to Vancouver: While offering a serene coastal lifestyle, White Rock, South Surrey is conveniently located within easy commuting distance to Vancouver and other urban centers in the Lower Mainland. This allows residents to enjoy the best of both worlds – a peaceful seaside retreat with access to urban amenities and employment opportunities.

  9. Real Estate Options: White Rock, South Surrey offers a diverse range of real estate options to suit various preferences and budgets. Whether you're looking for a spacious single-family home, a modern townhouse, or a luxury condominium, there are plenty of choices available.

  10. Growth and Development: The area is experiencing significant growth and development, with new residential communities, infrastructure improvements, and amenities being added. Investing in a home in South Surrey offers the potential for property appreciation and long-term value.

  11. Community Spirit: White Rock, South Surrey has a strong sense of community spirit, with residents actively participating in local events, festivals, and community initiatives. It's a welcoming and inclusive place where neighbors come together to support one another and build connections.

  12. Outdoor Recreation: The area boasts an abundance of parks, trails, and outdoor recreational opportunities. Residents can enjoy activities such as hiking, biking, golfing, and water sports, as well as exploring nearby beaches and nature reserves.

  13. Beautiful Natural Setting: Surrounded by picturesque landscapes, including farmland, forests, and coastal areas. Residents can enjoy scenic views and access to nature right on their doorstep, providing a peaceful and tranquil environment to call home.

Overall, buying a home in White Rock, South Surrey provides an opportunity to live in a vibrant coastal community with a high quality of life, abundant recreational opportunities, and a strong sense of community spirit.


When is the Best Time of Year to Buy a Home?

Choose the right time of year to look for a new home.

January is the best time to make an offer on a home. Not many buyers want to brave the cold to shop for a home, so prices are the lowest. Properties also take longer to sell. This means sellers are more likely to accept a lower offer.

Please go to the link below and see the quick search links for detached homes under 1.3K, or attached homes under 800K in White Rock South Surrey Neighbourhoods. Or feel free to create your own customized search!

YOU can also search Sold listings.  So you know what homes have been selling for in the neighborhoods you are most interested in.

🤝 Let's Connect!: Whether you're buying, selling, or just curious about the real estate market, I'm here to help. Subscribe to my channel for valuable insights, tips, and updates on the White Rock South Surrey housing market, and let's embark on this exciting journey together!


Stop Paying Someone Else's Mortgage!

CMHC Incentive - Qualifying first time home Buyers ONLY Need 5% Down. 

So if you purchase a home for $450,000, you will only need to put down  $22,500.  Purchase for  $500,000 =  $25,000 down, etc...

First Home Savings Account - Qualifing First time home Buyers can contribute up to $8,000 yearly to a maximum of $40,000 towards a down payment.  Contributions are tax deductible.

HBP ( Home Buyers' Plan) Qualifying Home Buyers can withdraw up to $35,000 (couples up to $70,000) from their RRSP's for a down payment. Must repay within 15 years.  Eligibility to use the program a second time...

Reach out.  I woul love to help you make the right move, towards home ownership.  You can do it!

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