Buying your first home in British Columbia is exciting… but let’s be honest, saving for a down payment can feel like a full-time job. Between rising home prices, closing costs, and trying to save while still enjoying your life, getting into the market can seem overwhelming. The good news? If you’re a first-time home buyer, the Canadian government has two programs that can help you get there: the First Home Savings Account (FHSA) and the RRSP Home Buyers’ Plan (HBP). Even bett

Buying a home is one of the biggest financial decisions most people will make. For first-time homebuyers in British Columbia, there is a lot to think about: your down payment, mortgage rate, closing costs, property taxes, and whether you can comfortably manage the monthly payment. Life insurance is often somewhere near the bottom of that list. It shouldn't be. Not because you should expect something to go wrong, but because your mortgage is usually dependent on your ability t