No matter where you originate from, immigrating to British Columbia is a journey worth taking. Having non-resident clients from Europe and other continents we've been through the process many times, our first-hand experience can help you navigate all the steps correctly.

The 3A® Buyer's Agency Advantage

Our exclusive 3A® Buyer's Agency is a client-tailored, professional service that represents the interests of the home buyer during the real estate transaction process. Our primary role as a buyer's agency is to represent you, the buyer. Meaning our agency is legally obligated to act on the buyer's best interest, which includes safeguarding your confidentiality and negotiating the best possible terms. 

56% of buyers already use a buyer's agency, and experienced and commercial buyers in particular recognize the benefits. From the initial search to closing the sale, we provide continuous support including; organizing property viewings, coordinating inspections, and assisting with paperwork, ensuring the entire process runs smoothly.  

Benefits of using a Buyer's Agency

Searching for a home or property abroad can be a time-consuming endeavour. Our exclusive buyer's agency streamlines this process by providing curated property options based on the buyer's specific needs, ensuring due-diligence and compliance. 

Expert Market Knowledge

• A buyer's agent in British Columbia understands the nuances of local markets, including neighbourhood dynamics and price fluctuations. This expertise can prevent costly mistakes and enhance decision-making.

Access to Listings

• Buyer's agencies have access to exclusive listings, providing buyers with more options. This is particularly important in competitive markets where certain properties may not be publicly listed.

Negotiation Skills

• An experienced buyer's agent employs strategic negotiation tactics to ensure that buyers receive favourable terms. They can also anticipate and mitigate potential issues that might arise during negotiations.

Guidance Through the Process

• Navigating the buying process can be complicated, especially for overseas and first-time buyers. A buyer's agent guides clients through each step, ensuring all paperwork is completed accurately and on time, which can mitigate legal issues down the line.

Objective Advice

• When purchasing real estate, emotions can influence decisions. A buyer's agent offers objective advice, helping buyers remain focused on their goals and avoid impulsive decisions.

Connections

• Buyer's agents typically have relationships with various professionals involved in the real estate process, such as home inspectors and mortgage brokers.

Non-Resident Buyer's Tools 

Q&A for non-resident buyers


Can Non-Residents Buy Property in BC?

Yes, non-residents can purchase certain types of property in British Columbia. However, since January 1, 2023, the Federal Foreign Buyer Ban prohibits most non-Canadians from buying residential real estate in urban areas of Canada until January 1, 2027. This means that non-Canadian citizens and non-permanent residents are restricted from purchasing most homes in census metropolitan areas and census agglomerations (areas with populations generally over 10,000). Exceptions apply to protected persons, particularly temporary residents (including students and workers under specific conditions), and when a Canadian spouse is a co-purchaser.

Canadian Mortgage and Housing Corporation

Enter a property address here, to see if a property is in a restricted Census Metropolitan Area or Census Agglomeration.

Prohibition on the Purchase of Residential Property by Non-Canadians Act - official CMHC information.

Are There Any Exemptions?

Yes, certain exemptions apply under the law, including those for international students meeting residency and study criteria, work permit holders, refugees, and individuals who are buyers with a Canadian spouse or common-law partner. Rural properties or land zoned for development may also be exempt from these restrictions. It is essential to carefully review your situation and seek legal advice to determine your eligibility.

Who’s Exempt from the Ban?
• International students (meeting criteria)
• Valid work permit holders
• Refugees & protected persons
• Buyers with a Canadian spouse/common-law partner
• Rural or development-zoned land may be exempt

Do Landed immigrants and approved landed immigrants (permanent residents) in British Columbia have the same property buying rights as Canadian citizens? 

Yes, they are not subject to the Federal Foreign Buyer Ban and are exempt from the additional “Foreign Buyer’s Tax” imposed on true non-residents. In other words, if someone is a landed immigrant or has received approved permanent residency, they can buy property, live, and invest in BC on the same terms as other residents, including eligibility for exemptions and standard tax treatment.

This means landed immigrants and approved permanent residents enjoy equal footing with citizens, whether they are purchasing a primary home or investment property in British Columbia.

What Taxes and Fees Apply to Non-Residents?

Non-residents who do qualify to purchase property through an exemption or by buying outside restricted zones, must be prepared for additional taxes.

These include:

• Property Transfer Tax (PTT): Payable by all property buyers in BC.
• Additional Property Transfer Tax (“Foreign Buyer’s Tax”): A 20% tax on the fair market value of residential properties in designated regions, including Metro Vancouver,  Fraser Valley, Capital, Nanaimo, and Central Okanagan Regional Districts. Certain exemptions exist for provincial nominees and others.
• Annual Property Taxes: Like all owners, non-residents pay municipal property taxes.
• Speculation and Vacancy Tax: Applies to some properties owned by non-residents, with different rates and rules.

What Do Non-Residents Need to Buy Property?

1. A Canadian Bank Account: Most transactions, including down payments and mortgage payments, require a Canadian account.
2. A Real Estate Lawyer: It’s essential to work with a lawyer familiar with non-resident purchases.
3. Mortgage Approval: Non-residents face stricter lending requirements, often requiring a larger down payment (commonly 35% or more).
4. Proper Identification and Documentation: Proof of status, intent for use, and income may be requested.
5. Compliance with the Current Foreign Buyer Ban and Local Tax Regulations: Always confirm current eligibility and consult experts.

Can Non-Residents Buy Property for Investment or Personal Use?

Investment purchases are commonly subject to stricter scrutiny, taxes, and restrictions—especially for residential, single-family, or small multifamily homes in urban areas. Industrial, commercial, or development properties, as well as homes in rural locations outside census metropolitan/agglomeration areas, may have fewer restrictions. Always confirm zoning, usage, and local rules before making an offer.

What Happens If the Rules Are Not Followed?

Violating the foreign buyer ban can result in fines up to $10,000, and a court can order the sale of the property. Legal representation and strict adherence to all regulations are vital. For tailored advice or to determine whether you qualify for an exemption, consult with a real estate professional and a lawyer experienced in cross-border transactions.

If you are visiting our web site from overseas and are planning to immigrate to and purchase property in BC we are here to help.

Contact us to discuss your specific situation, and we will do our utmost to help you achieve your estate goals.

Read more about 3A RE/MAX Nyda's exclusive Buyers Agency that will assist and act on your behalf for almost every aspects of your search, negotiation and purchase.