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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.

Reciprocity Logo The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Greater Vancouver REALTORS® (GVR), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the GVR, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the GVR, the FVREB or the CADREB.