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First Time Home Buyers In The Central Okanagan

Your guide to a seamless, first-time home buying experience in the Central Okanagan.

Nicole’s Best Bang for your Buck!

6363 Topham Place, Peachland

$1,099,000 4 Beds 2 Baths 2324 sqft

"Situated on over a third of an acre, this well-maintained home offers breathtaking views of ..."

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Nicole’s Best Bang for your Buck!

2322 1873 Country Club Drive, Kelowna

$535,000 3 Beds 2 Baths 1283 sqft

"Introducing a luxurious 3-bedroom, 2-bathroom corner unit condominium in the prestigious ..."

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Nicole’s Best Bang for your Buck!

1088 Clarance Avenue, Kelowna

$2,530,000 7 Beds 6 Baths 6002 sqft

"Discover unparalleled luxury living in this stunning custom-built home perched in the Upper ..."

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Nicole’s Best Bang for your Buck!

415 669 Houghton Road, Kelowna

$389,000 2 Beds 1 Baths 927 sqft

"Welcome to Apple Green Place! This beautiful 2 bedroom, 1 bathroom top floor unit is perfect ..."

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Nicole’s Best Bang for your Buck!

7 1550 Dickson Avenue, Kelowna

$564,900 1 Beds 2 Baths 1042 sqft

"LOFT STYLE LIVING in the Heart of Landmark District w/ HUGE gated patio! These units are rarely ..."

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Nicole’s Best Bang for your Buck!

105 3434 Mckinley Beach Drive, Kelowna

$649,900 2 Beds 2 Baths 1052 sqft

"Welcome to your dream home! This brand new 2-bedroom 2 bathroom condo offers a seamless fusion ..."

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Nicole’s Best Bang for your Buck!

PH10 4380 Lakeshore Road, Kelowna

$624,900 2 Beds 2 Baths 898 sqft

"TOP FLOOR w/ a VIEW located in the TOMMIE AWARD WINNING community, SIENNA AT SARSONS! This ..."

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Nicole’s Best Bang for your Buck!

694 McClure Road, Kelowna

$1,399,000 5 Beds 3 Baths 2658 sqft

"Welcome to your dream family home! Nestled in a prime location, this spacious residence sits on ..."

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Nicole’s Best Bang for your Buck!

308 985 Academy Way, Kelowna

$618,000 2 Beds 2 Baths 992 sqft

"Explore the convenience and comfort of this bright and spacious top-floor corner unit nestled ..."

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Nicole’s Best Bang for your Buck!

3549 Country Pines Other, West Kelowna

$809,900 3 Beds 2 Baths 1648 sqft

"Welcome to your dream home nestled in a serene cul-de-sac, where modern luxury meets ..."

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Nicole’s Best Bang for your Buck!

735 Mitchell Road, Kelowna

$899,900 4 Beds 2 Baths 1953 sqft

"Welcome to 735 Mitchell Rd, Kelowna, BC – where opportunity meets desirability! This 4-bedroom, ..."

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Nicole’s Best Bang for your Buck!

1045 Carnoustie Drive, Kelowna

$1,799,000 7 Beds 6 Baths 5279 sqft

"Proudly presented by Wescan Homes!!! One of the rarest practically designed 2.5 storey 5279 ..."

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Helping You Purchase Your First Home

Welcome to Nicole’s First-Time Home Buyers Hub, a dedicated space designed to demystify the home-buying process and empower you to make informed decisions.

Why This Page Is Your New Best Friend:

Buying your first home comes with a mix of emotions — excitement, anticipation, and, let’s face it, jitters. My goal is to turn that overwhelm into empowerment. This page is your go-to resource for:

  • Understanding the Basics: I break down the home-buying process into simple, digestible steps, so you know exactly what to expect.
  • Financial Know-How: Get savvy with your finances. From budgeting tips to understanding mortgage options, I’ve got you covered with a list of amazing mortgage professionals.
  • Exploring Neighborhoods: Discovering the right neighborhood is like finding the perfect pair of shoes; it needs to fit just right. I’ll guide you through the factors to consider.
  • Navigating Legalities: Don’t let legal jargon scare you. We’ll explain the paperwork, contracts, and legal aspects in plain language.
  • Expert Advice: Hear from real estate experts, mortgage professionals, and seasoned homeowners who’ve been in your shoes.
Condo

Starter Condos (Under $600K)

Purchasing a condo as your first home can give you many options for the future and tend to be more affordable than purchasing a single family home. Options to use a condominium as a revenue property or trade it up in the future are top of the mind options for many first time buyers.

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Townhomes

Starter Townhomes (Under $800K)

First time home buyers looking for more space, a lower price tag, and less unexpected maintenance costs tend to lean towards townhome options. A townhouse is a great option for buyers looking for a gentle leap into homeownership.

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Starter Home

Starter Homes (Under $1M)

Buyers looking for more freedom over a property, more square footage, yard space and privacy, potential for additional rental income, and no strata bylaws are top prospects for single family home ownership.

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Let’s Start Your Search!

250-808-3125 | nicolemcwilliamsproperties@gmail.com

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Rental Allowances

Kelowna has the lowest vacancy rate of any Canadian city at 0.6% which means investing in the Central Okanagan is a great opportunity for investors looking for properties with short-term and long-term rental potential.

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Pet Friendly

Pet Friendly

Finding properties that are pet friendly can be a difficult task, especially in strata complexes. Pet restrictions in strata buildings can limit the type of animal, breed, height and amount of pets an owner has. It’s important to pay attention to complex rules and find a property that meets your needs.

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How Nicole Helps First Time Home Buyers

Your journey to homeownership is a big deal, and you deserve a dedicated advocate who can:

  • Provide Expert Guidance: I bring extensive knowledge of the local real estate market and trends. I’ll help you navigate the complexities and nuances of your area, ensuring that you make well-informed decisions.
  • Personalize Your Experience: Your dream home isn’t a one-size-fits-all. I take the time to understand your unique preferences, budget, and lifestyle to curate a tailored search just for you.
  • Demystify the Process: The home buying process can be daunting. I’ll break it down into manageable steps, so you’ll always know what to expect next.
  • Unlock Exclusive Opportunities: My network of industry connections and access to off-market listings can open doors to properties that you might not find elsewhere.
What You Can Expect from Our Partnership:
  1. Comprehensive Education: I’ll guide you through the entire process, from understanding financing options to explaining contracts and legalities in plain language.
  2. Customized Home Search: Together, we’ll identify neighborhoods, amenities, and property features that match your vision of the perfect home.
  3. Negotiation Expertise: I’ll work diligently to secure the best deal for you, from negotiating price and terms to navigating inspections and contingencies.
  4. Support Beyond Closing: My commitment doesn’t end at closing. I’ll be here to answer questions, provide recommendations for local services, and ensure a smooth transition into your new home.
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Ready to Begin Your Journey? Let’s Get Started!

Whether you’re just starting to dream about your first home or you’re in the midst of the process, this page is crafted for you. Your dream home is closer than you think, and I’m here to make the journey enjoyable and stress-free. Let’s turn that dream into keys in hand!

Budgeting

Budgeting for Expenses

Calculate what you can afford and what type of payments you will expect. Each property type can have different costs associated. For example, a home’s maintenance and costs will be the sole responsibility of the homeowner but a strata property tends to share these expenses with each other with monthly strata payments and special levies.

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Down Payment

Prepare Your Down Payment

Organise a downpayment. It is nearly impossible to buy a home without having any money saved for the purchase and the closing costs associated with the purchase. Taking a deep dive into your finances with a planner and mortgage broker is mandatory to avoid surprises.

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Market Research

Conduct Market Research

Understand home prices and take the time to research the local market with your Realtor.

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Property Type

Find The Right Property Type

Research areas and property types that would fit your lifestyle best. Common property types include: Strata, Freehold, Leasehold – condo, townhouse, duplex, duplex with suite, fourplex, stratified carriage home, house, house with suite, acreage

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Programs to Consider for First Time Home Buyers

  • Federal First Time Home Buyer Credit
  • RRSP Home Buyers Plan
  • Goods and Services Tax Credit
  • BC Homeowners Grant
  • BC First Time Home Buyers Program
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Resources for First Time Home Buyers

There is a lot to understand about the home buying process, especially for first-time buyers. Thankfully, partnering with the right real estate agent can ease the process by supplying the right resources right up to moving day.

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First Time Home Buyers Guide

Here’s a valuable guide for first time home buyers that outlines important details when getting started on your search and provides knowledge on the major topics involved in buying real estate.

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Available Programs For First Time Buyers

Find out what programs are available to first time home buyers looking to purchase in BC and Canada and check out whether you qualify for the available programs to possibly save thousands!

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How To Prepare For Homeownership

Purchasing a home is more than just setting up a search and looking at listings online. It’s a big process that requires research, preparation, large sums of money and a flexible timeline!

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Contact Nicole

Let’s Start Your Search!

250-808-3125 | nicolemcwilliamsproperties@gmail.com

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First Time Buyer

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Real Estate Listings

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