here to help

Contact Us


We operate in an industry built on trust. This can only be achieved through communication and great experiences - from the first contact until the closing of the transaction and beyond!

Buying a Home?

There's no doubt that buying a home is likely the largest financial transaction most people will ever make. I can guide you expertly past the hurdles involved with this process.

Selling a Home?

When selling your house, my goal is to sell your property at top market value, quickly and painlessly. See how I can help get you more. When you make the important decision to sell a home, I am committed to going the extra mile.

I will work for you every step of the way! My combination of skill, experience, and technology ensures that I can help you complete your real estate transaction in the shortest period of time.


Contact us today

AVAILABLE 7 DAYS A WEEK

Mobile: 778-809-0905
Email: Richard@thevalleylife.ca

Contact Form

True Home Cost Calculator
Inputs — Buy
Purchase Price
Deposit + Down Payment
Use BC First‑Time Home Buyers' Program?
Your ownership share (%)
New Construction (GST 5%)?
GST reduction/credit
Home Inspection
Appraisal Fee
Lawyer/Notary Fees
Property Tax / Utility Adjustments
Moving Costs
Override CMHC premium % (optional)
CMHC premium auto‑calculated if <20% down (approx bands: 4.00%, 3.10%, 2.80%). Counted as a real cost even if financed.
Results — Buy

Estimates only. Verify with your lender, lawyer, accountant, municipality, and current provincial rules. First‑time buyer & GST incentives change over time.

Inputs — Sell
Expected Sale Price
Commission on first $100,000 (%)
Commission on balance (%)
Legal Fees (can be $0)
Mortgage Discharge / Penalty
Pre‑List Prep
Bridge Financing
Storage / Double Moves
Mortgage Payoff (optional)
Results — Sell
Inputs — Own
Home Value (for 1% rule)
Property Tax (annual)
Home Maintenance (1% rule toggle)
Apply 1% of Home Value
Home Maintenance (override annual)
Home Insurance (annual)
Mortgage Payment (monthly manual)
Electricity (monthly)
Gas (monthly)
Water & Sewer (monthly)
Garbage & Recycling (monthly)
Internet (monthly)
Cable (monthly)
Streaming (monthly)
Planned Maintenance (annual total)
Emergency Fund target (annual)
This is a Strata property
Results — Own

If strata covers maintenance or utilities, we zero those lines to avoid double counting. Adjust figures to match your building's specifics.