01Transfer tax
BC Property Transfer Tax Calculator
Each statutory bracket, first-time-buyer and new-build amount scenarios, and an optional additional-tax line with visible eligibility limits.
Open the toolBC property intelligence / Metro Vancouver firstKnow the property
Know the property
before you commit.
Original calculators and locally sourced research for the money, building, and professional decisions that listings leave out.
Free decision tools
Make the hidden cost visible.
Each result carries its rule version, assumptions, source links, and limits. Change one input and see what actually moves.
02Cash to close
BC Closing-Cost Calculator
Property transfer tax, exemption scenarios, written-quote inputs, adjustments, and the cash required beside your down payment.
Open the tool03Monthly survival
True Monthly Ownership Cost
Mortgage cash flow plus taxes, strata, insurance, utilities, maintenance, reserve, commute, and a renewal-rate stress.
Open the tool04Building risk
Strata Assessment Exposure
Low, base, and high capital scenarios built from project cost, available reserve, unit share, known levy, and deductible exposure.
Open the tool05Tenure decision
Vancouver Rent Versus Buy
Mortgage amortization, transaction costs, recurring housing costs, appreciation, rent growth, and the alternative use of cash.
Open the tool06Next professional
BC Professional Pathway
Assign legal, financing, inspection, insurance, engineering, tax, and representation questions to the right scope and deadline.
Open the toolThe Property Decision File
One property. Five questions. A record you can defend.
A decision is stronger when costs, assumptions, evidence, and unresolved professional questions travel together.
Start with the cash stack01
Calculate
Use stable rules and property-specific quotes.
02
Interrogate
Turn uncertain inputs into named questions.
03
Save
Keep a private access-keyed decision file.
04
Share safely
Send a redacted result without household inputs.
Founding pilot · $59
See the pilot scopeTurn one scenario into a sourced decision brief.
A first-party Parcel & Key research service with an assumption ledger, sensitivity cases, evidence links, and professional questions. Availability and scope are confirmed before payment.
Original research datasets
Numbers worth citing—because the assumptions travel with them.
Downloadable scenario tables turn the calculators into reusable evidence for buyers, publishers, journalists, and AI answers. Citation desk →
Research file 01
The Closing Brief / Issue 004Rent versus buy starts with the holding period →BC cash-to-close benchmarks: 13 price and exemption thresholds
A reproducible 2026 scenario dataset showing general property transfer tax, first-time and new-build exemption effects, a 20% down payment, and a fixed planning allowance at 13 purchase-price thresholds.
13 rows · CSV + JSON →Research file 02BC strata capital stress grid: project scale × stated reserve coverage
Nine deterministic strata-capital scenarios showing how project scale and the share of a stated contingency balance change a modelled unit-level exposure range.
9 rows · CSV + JSON →Research library
Follow the decision, not the content feed.
Six connected desks cover the work between finding a property and living in it.
0111 launch guides →023 launch guides →032 launch guides →042 launch guides →051 launch guide →061 launch guide →
Buy
Cash, subjects, strata documents, inspections, and closing.
Finance
Qualification, borrowing structure, renewal, and total cost.
Analyze
Ownership scenarios, rent comparisons, and decision ranges.
Protect
Insurance, conveyancing, title, and professional risk.
Improve
Renovation approvals, contractors, and property systems.
Move
Possession, movers, storage, utilities, and handoff.
Why trust the output
We show our work—and where it stops.
Statutes, regulators, government programs, and professional bodies before secondary summaries.
Effective dates and boundary tests at thresholds, including threshold minus and plus one dollar.
No approval promises, valuations, engineering conclusions, or individualized legal and mortgage advice.
Payment never changes an editorial conclusion. No partner link goes live before approval and adjacent disclosure.
Commercial boundary
No provider paid to appear on this page. Parcel & Key does not accept legal referral fees or paid real-estate-agent leads. Future partner links will be labelled beside the action and activated only after written approval.