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Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Calculate BC PTT on a Surrey home purchase. Works for all Surrey neighbourhoods — Newton, Guildford, Whalley, Cloverdale, and South Surrey.
Enter your home's purchase price to instantly calculate BC Property Transfer Tax and first-time buyer exemptions.
| Purchase Price Range | PTT Rate | Max Tax on Tier |
|---|---|---|
| First $200,000 | 1% | $2,000 |
| $200,001 – $2,000,000 | 2% | $36,000 |
| $2,000,001 – $3,000,000 | 3% | $30,000 |
| Over $3,000,000 | 5% | Unlimited |
| Property Type | Price | Standard PTT | FTB New Home PTT |
|---|---|---|---|
| Whalley condo | $550,000 | $9,000 | $00 (FTB exempt) |
| Guildford townhome | $780,000 | $13,600 | $00 (FTB exempt) |
| Newton detached | $1,100,000 | $20,000 | Taxable |
| South Surrey detached | $1,800,000 | $34,000 | Taxable |
| South Surrey luxury | $3,500,000 | $93,000 | Taxable |
New Home Exemption: Zero PTT if purchase price ≤$835,000. Many Surrey condos and townhome presales qualify.
Resale Exemption: Zero PTT at ≤$500,000 (limited in Surrey). Partial at $500K–$525K.
Additional New Home Exemption: Foreign buyers may have different rules — consult a notary.
| Cost | Range |
|---|---|
| Property Transfer Tax | $9,000–$34,000+ |
| Legal/Notary Fees | $1,200–$2,000 |
| Home Inspection | $500–$700 |
| Title Insurance | $200–$350 |
| CMHC Mortgage Insurance | $00–$22,000+ |
| Property Tax Adjustment | $500–$2,500 |
| Strata Move-In Fee | $250–$500 |
In one of BC's fastest-growing communities, save on banking while you save for a home. KOHO has no monthly fees and cash back on everyday purchases. Use code BREMO2026 for a sign-up bonus.
Get KOHO Free — Use Code BREMO2026PTT on $1,000,000 = $2,000 (first $200K at 1%) + $16,000 ($200K–$1M at 2%) = $18,000 total. No first-time buyer exemption applies at this price for resale.
Gross PTT = $2,000 + $12,000 = $14,000. First-time buyer new home exemption: $00 PTT since $800K ≤ $835K. Saves $14,000!
Assignment of contract (pre-sale resale) does attract PTT and potentially other taxes. Consult a BC notary or real estate lawyer for assignment-specific advice.