Project Options
Gain expert insight into presale purchases—everything from evaluating developers to reading contracts and assessing resale potential.
Credit Friendly Options
Our mortgage experts work with newcomers and seasoned buyers alike to provide presale financing advice that aligns with your goals.
Flexible Loan Terms
Pre-approval, rate lock planning, and creative down payment strategies are all part of a solid presale mortgage approach.
Quick Approval Process
Our team ensures you’re financially prepared and pre-qualified for any outcome, including rate changes or construction delays.
New to the Presale Market in BC?
Avoid Costly Mistakes Before You Commit
Presale properties are exciting—but they come with risks. From delayed closings to unexpected fees, navigating this market takes more than enthusiasm. Whether you’re buying a unit in a new tower or a townhouse still under construction, there are key factors to consider.
We help you evaluate the developer’s background, understand your financing options, and avoid legal and financial pitfalls.
Apply today and let us help you plan your presale investment with confidence.
Certified Team
Our mortgage advisors collaborate with realtors, lawyers, and inspectors to protect you from common presale risks.
Trusted Company
We’ve helped many buyers navigate BC’s presale market—confidently and strategically.
Apply For a Loan
Get Approved in a Few Simple Steps
Flexible Financing Options
Let’s Avoid the Surprises Together
Presale purchases are full of opportunity—but also complexity. We make sure you understand what you’re signing, how to finance your deposit and closing costs, and what happens if the market shifts mid-construction.
With a team of mortgage brokers, legal experts, and financial advisors behind you, you can avoid common mistakes and plan your investment wisely.
Apply now and let’s protect your presale investment from day one.
Frequently Asked Questions
A presale property is purchased before it’s built—often directly from a developer. You’re buying a contract, not a finished home, so research and due diligence are essential.
Developer reps work in the builder’s interest. Use an independent realtor and a mortgage broker to ensure someone is negotiating on your behalf.
Delayed closings
Increased final prices
Hidden fees in the contract
Low resale flexibility
Limited legal protection compared to resale properties
You’ll need:
A solid pre-approval
A contingency plan for rate increases
Documented income and savings
A plan for your deposit and closing costs
A backup in case of delays or legal disputes
Yes. While the unit isn’t built, a qualified inspector can assess the developer’s past work, point out red flags, and help you decide if the build quality meets expectations.
Under the Real Estate Development Marketing Act, BC buyers have 7 days after signing to cancel the presale agreement—no penalties. This time is crucial for legal and financial review.
Only if the contract allows it. Many developers restrict or charge for assignment. Even if allowed, you may still be legally liable if the new buyer fails to close.
You should:
Get pre-approved early
Compare mortgage products
Understand how long your rate can be held
Prepare for interest rate changes over long construction timelines
Absolutely. Look at the area’s future growth, transit, and amenities. Your presale should be a good personal fit and a smart long-term investment.