First-Time Home Buyer Mortgages in Langley and Chilliwack, BC
Local guidance for Fraser Valley buyers, so you can budget smart, get pre-approved, and buy with confidence
Yes I am interested in learning more about Mortgages for the First Time Home Buyers
We're here to help First Time Home Buyers get the mortgage they deserve!
Take advantage of our mortgage experience to help get you a great mortgage.
Buying your first home is exciting, and it can feel overwhelming at the same time. If you are looking in Langley, Chilliwack, Surrey, Abbotsford, Mission, or anywhere across the Fraser Valley, the best first step is having a clear mortgage plan before you fall in love with a property.
At West Coast Mortgages, we help first-time buyers understand what they can comfortably afford, what documents lenders typically need, and what the approval timeline really looks like. We also shop rates and terms across multiple lenders, then explain everything in plain language so you can make a confident decision.
If you are early in the process, start with a mortgage pre-approval so you can house-hunt with a real budget range. Once you have an accepted offer, we move you through home purchase financing and help keep your deal on track to close on time.
Many first-time buyers also want to know how programs like the FHSA and the Home Buyers' Plan can fit into their down payment plan. If you want a simple breakdown, check out our guide here, FHSA and the updated Home Buyers' Plan rules.
- Understand your budget, payment range, and what you can comfortably afford
- Get pre-approved, then be ready to write an offer with confidence
- Plan for closing costs, timelines, and lender conditions before they become stressful
- Choose a mortgage option that fits your goals, not just a rate on a screen
Ready to take the first step? You can apply online here, it only takes a few minutes to start, and a real person will guide you if you get stuck.
Local BC Cities We Serve
We can provide mortgage services to anyone in the province of BC including...
Langley
Abbotsford
Surrey
Vancouver
Chilliwack
Mission
Coquitlam
Richmond
White Rock
Harrison Mills
Pitt Meadows
and cities near you!
.. And all areas across BC as well
Case Study, A First-Time Buyer Purchase in the Fraser Valley, From Pre-Approval to Keys
Scenario: A first-time buyer was choosing between condos in Surrey and townhomes in Langley, and they were nervous about being priced out, or getting stuck with a payment that felt too tight. They also had a mix of savings plus family help, and wanted to make sure the down payment plan would be accepted by a lender.
What we did: We started with a clear pre-approval plan, reviewed income, credit, and debts, then explained a realistic budget range based on monthly comfort, not just maximum qualification. We also mapped the down payment documentation, including gift requirements, and helped the buyer understand common timelines for conditions, appraisal, and closing in the Fraser Valley.
Result: The buyer shopped with confidence, wrote an offer with clear next steps, and moved through financing with fewer surprises. They closed on time, and felt good about the monthly payment and the long-term plan.
- Clear pre-approval and a realistic payment plan
- Down payment documentation handled properly from day one
- Smoother closing process with fewer last-minute lender requests
Quick Answers for Fraser Valley First-Time Home Buyers
Common mortgage questions we hear from buyers in Langley, Chilliwack, Surrey, Abbotsford, Mission, and across the Fraser Valley.
What is the best first step for first-time buyers in Langley or Chilliwack?
Start with a clear budget and a mortgage pre-approval. It helps you shop with confidence, avoid wasting time on homes outside your comfort zone, and move faster when the right property shows up.
How much down payment do I need to buy my first home in the Fraser Valley?
The minimum down payment depends on the purchase price and your overall application. We will confirm what applies to your situation, then help you choose a strategy that keeps your monthly payment comfortable.
Can I use a gifted down payment from family?
In many cases, yes. Lenders typically require the gift to be documented properly and may want to see the funds in your account. We will walk you through the exact steps so your gift is accepted without delays.
Will getting a mortgage pre-approval affect my credit score?
A credit check can have a small, temporary impact. The upside is clarity, you will know what you qualify for and how to strengthen your application before you write an offer in Langley, Surrey, or Chilliwack.
What closing costs should I budget for when buying in BC?
Most buyers should plan for legal fees, inspections, and typical adjustments. Depending on the home and your situation, there can be additional costs. We will help you estimate a realistic range early so you are not surprised right before completion.
Fixed vs variable, what is better for a first-time buyer?
It depends on your comfort with payment changes and your overall plan. We will explain the trade-offs clearly, then help you choose an option that fits your budget and risk tolerance, not just what is popular online.
If I buy a condo in Surrey or Langley, what should I know about financing?
Strata properties can come with extra lender requirements depending on the building and the deal. We will tell you what to watch for and how to avoid timeline issues, especially when subject removal dates are tight.
What happens if the appraisal comes in lower than the purchase price?
A lower appraisal can affect how much a lender is willing to finance. If it happens, we will review options like adjusting the down payment, negotiating with the seller, or exploring a different lender approach.
Can you help me use programs like the FHSA or Home Buyers' Plan?
Yes. We will help you understand how these tools can fit into your down payment plan and your timing. You can also read our breakdown here, FHSA and the updated Home Buyers' Plan rules.
How do I start the process if I want to buy in the next 60 to 120 days?
Start now, even if you are just browsing. We can line up your pre-approval, confirm documents, and help you plan the next steps so you are ready to act when the right home appears. If you prefer, you can apply online here and we will follow up quickly.
Get approved for your next mortgage in 3 simple steps
Fast, friendly guidance from your local mortgage team. We'll help you understand your options and move forward with confidence.
Answer a few quick questions
Tell us what your needs are... purchase, renewal, refinance, or debt consolidation, and we will map out the best next steps.
We compare mortgage options with many lenders
We shop rates and terms across multiple lenders, then explain the pros and cons in plain language so you can choose confidently.
Get pre-approved, shop smart
Once you are pre-approved, you can shop with confidence knowing your budget, your payment range, and your timeline.
Takes just a few minutes to start, no obligation, and a real person will guide you if you get stuck.