21 Cities
Served across the Lower Mainland
16 Free Tools
2026 BC calculators & estimators
VIP Access
To presales & off-market deals
The 2026 BC Real Estate Toolkit
Sixteen free, regularly updated calculators built for British Columbia. Run the numbers on a Vancouver mortgage, model a Surrey presale assignment, stress-test a Coquitlam multiplex, or estimate net proceeds on a Whistler chalet — before you sign anything.
Mortgage Payment Calculator
Monthly payments, current 2026 rates and full amortization schedule.
Affordability & Stress Test
Maximum mortgage and price you qualify for under the federal stress test.
CMHC Insurance Calculator
Premium tiers for high-ratio insured mortgages with less than 20% down.
Closing Cost Calculator
Legal, PTT, inspection, adjustments and GST — all the cash you need at closing.
Rent vs. Buy Calculator
Net cost of owning versus renting in BC over a 5, 10 or 25 year horizon.
Mortgage Penalty (IRD)
Estimate the IRD or three-month interest penalty before breaking your mortgage.
BC Property Transfer Tax
2026 PTT with First-Time Buyer and Newly Built Home exemptions auto-applied.
New Home GST Calculator
Federal 5% GST on presales and new builds plus the new FTHB GST rebate.
BC Commission Calculator
REALTOR® fees, GST and your walk-away net after paying off the mortgage.
Home Sale Net Proceeds
Total dollars in your pocket after commissions, payout penalty and legal fees.
Home Value Estimator
Free Comparative Market Analysis (CMA) hand-reviewed by Dan, not a robot.
Capital Gains Calculator
Federal and BC capital gains owing on a rental, recreational or second home.
Investor Tax Stack
Speculation, vacancy, empty homes and school taxes for BC investment property.
BC Home Flipping Tax
Bill 15 sliding rate on properties sold inside 730 days of purchase.
Bill 44 Multiplex Sizing
SSMUH unit count and FSR for a 4-to-6 unit multiplex on your BC lot.
TOD Zoning Calculator
Bill 47 Tier 1, 2 and 3 height and FSR within 800m of SkyTrain stations.
21 communities I serve
Hyper-local market data, OCP knowledge and on-the-ground experience from West Vancouver and the North Shore down to Tsawwassen, east through the Tri-Cities, the Ridge, Langley and the Fraser Valley, and up the Sea-to-Sky to Squamish and Whistler.
Maximizing your home's equity
Selling in 2026 — whether it's a Vancouver condo, a Surrey townhouse, a Coquitlam multiplex lot or a Whistler chalet — takes more than a sign on the lawn. Buyers are sophisticated and the market is fragmented by neighbourhood and product type.
I run an aggressive, multi-channel marketing program: professional photography, cinematic 4K video, drone shots, floor plans and hyper-targeted digital ads. The goal is simple — maximum exposure, multiple offers, and the highest possible net proceeds for you.
- ✅ Comparative Market Analysis (CMA) hand-built per listing
- ✅ Custom marketing & staging consultations
- ✅ Land assembly & developer negotiations
Winning in a competitive market
First-time buyers, growing families and investors all need an agent who knows the file inside and out — Bill 44 multiplex potential, TOD station catchments, foreign-buyer rules, and the new federal FTHB GST rebate.
I help clients read strata documents, model PTT and GST exposure, and access VIP presale platinum lists from Lower Mainland developers before public release.
- 🔥 VIP presale platinum access
- 🔥 Off-market property matchmaking
- 🔥 Strategic offer structuring
What clients say
Real, named reviews from buyers and sellers across the Lower Mainland — from Vancouver presale clients to Fraser Valley families and Whistler investors.
Read all client reviews →Local expertise. Proven results.
I am Dan Marusin PREC, a fully licensed REALTOR® with Renanza Realty Inc. serving 21 communities across the Lower Mainland. I provide honest, transparent, data-driven advice — without the high-pressure sales tactics.
Real estate is likely your largest financial decision. My approach is analytical: comprehensive market data, proprietary calculators and a clear strategy, so you can make empowered decisions. From contract to completion day, I protect your interests at every step.
Brokerage office: Renanza Realty Inc.
777 Hornby St, Suite 600, Vancouver, BC V6Z 1S4
Dan Marusin PREC
Renanza Realty Inc.
2026 Lower Mainland real estate FAQ
What are the standard closing costs when buying a home in BC?
Budget for the Property Transfer Tax (PTT), legal/notary fees (roughly $1,400–$2,000 in 2026), a home inspection ($500–$900), title insurance, and property tax adjustments on completion. If the home is newly built or a presale assignment, also budget for the federal 5% GST — partially rebated by the new First-Time Home Buyer GST Rebate on qualifying purchases.
Who pays the real estate commission in British Columbia?
In most residential transactions the seller pays the commission, deducted from gross proceeds on completion. The total is usually split between the listing brokerage and the cooperating (buyer's) brokerage. Buyer-paid commission arrangements are now allowed under the BCFSA Rules and are negotiated between buyer and brokerage in writing.
Do first-time home buyers have to pay the BC Property Transfer Tax in 2026?
Eligible first-time buyers in BC qualify for a full PTT exemption on homes priced up to $835,000 and a partial exemption up to $860,000, under the rules in effect since April 1, 2024. Buyers must be Canadian citizens or permanent residents and meet residency and use requirements. Run your own scenario in the BC PTT Calculator above.
What is the BC Home Flipping Tax?
In effect since January 1, 2025 under Bill 15, the BC Home Flipping Tax is a provincial tax on profit from residential property sold within 730 days of purchase. Rates start at 20% for sales within 365 days and slide down to 0% by day 730, with limited life-event exemptions. Use the BC Home Flipping Tax Calculator to model your specific timeline.
Can foreign buyers purchase BC real estate in 2026?
The federal Prohibition on the Purchase of Residential Property by Non-Canadians Act has been extended to January 1, 2027, with limited exceptions for permanent residents, work-permit holders meeting requirements, refugees and certain recreational or non-residential property. BC's own 20% Foreign Buyer Tax also applies on top, in designated regions.
What is your property actually worth?
Automated online estimates are often off by tens of thousands of dollars. Request a free, hand-researched Comparative Market Analysis (CMA) tailored to your specific home and Lower Mainland sub-market.