First-Time Home Buyer’s Guide: Navigating South Surrey & White Rock in 2026 Buying your first home in the Lower Mainland is a major milestone, but the landscape has changed. With the 2026 BC Property Transfer Tax thresholds and new federal savings accounts, the "old way" of buying doesn't apply. As an Award-Winning South Surrey Realtor, I’ve helped hundreds of families move from "searching" to "sold." This guide breaks down exactly how to... [read more]

The Bank of Canada has just lowered its benchmark interest rate by 25 basis points, bringing it down to 2.50%. This is the first rate cut since March and the third one this year. The move was prompted by signs of economic strain—such as a softening labour market, drifting inflation, and reduced pressure from certain tariffs. While this rate drop opens a window of possibility, the Bank has also signaled caution, saying any further cuts will depend on future data and economic... [read more]

Buying your first home is one of the most exciting milestones in life, but it can also feel overwhelming. As a first-time buyer in British Columbia, understanding each step of the home buying process can help you feel more confident and prepared. In this guide, Fraser Valley Realtor Omeed Ghafori walks you through every phase of the journey—from getting pre-approved to receiving the keys to your dream home. Step 1: Get Pre-Approved for a Mortgage Before you start browsing... [read more]

What the Bank of Canada’s April 2025 Rate Hold Means for BC Real Estate By Omeed Ghafori – Award-Winning REALTOR® | South Surrey & White Rock On April 16, 2025, the Bank of Canada (BoC) announced it will maintain its key policy interest rate at 2.75%, with the Bank Rate at 3% and the deposit rate at 2.70%. While this may sound like just another economic update, for homeowners, buyers, and investors in South Surrey, White Rock, and across British Columbia, this decision... [read more]

Why Your BC Assessment Value & Market Value Are Different — And Why a Professional Market Evaluation Matters By Omeed Ghafori | South Surrey & White Rock Realtor – Century 21 Coastal Realty What’s the Difference Between BC Assessment & Market Value? If you're a homeowner in South Surrey, White Rock, or anywhere in BC, you've probably received your BC Assessment notice and wondered: "Is this what my home is really worth?" The short... [read more]