Tap into our local expertise and let us guide you through buying your very first home

Here’s how to get going with our quick guide in navigating you through what you want to get you what you need.

Figure out your needs

What’s a must-have and what’s nice-to-have? Think carefully about what you really need and want from your first home.

Have a budget

Buying a home isn’t just about the purchase price. There’s a down payment, monthly payments, property taxes, insurance…

Get pre-approved

Pre-approval gives you a range you can work within so you can get out there and focus your house hunting on properties you can afford.

Find a realtor

Local realtors provide valuable guidance to first-time home buyers, keeping you grounded and setting realistic expectations.

Seal the deal

Get your offer to your advisor and aim for reasonable subject dates. Your mortgage advisor will finalize your mortgage approval so everything can be signed off.

Insure your first home

It’s vital to insure what is likely to be one of the biggest purchases of your life. It’s required for your mortgage and protects your biggest asset.

Mortgage rates

Interest rates for popular mortgages

Rates effective February 25, 2025

** Any Special Offers are promotional rates and are not the posted rates of Bulkley Valley Credit Union. Specials Offers may be changed, withdrawn or extended at any time, without notice.