Buying your first home is a major milestone—and one that comes with a mix of excitement, nerves, and a million questions. You’re not just making a purchase—you’re investing in your future.
At Jay + Bree Real Estate, we specialize in guiding first-time buyers through the entire process—from setting a budget to getting the keys. If you’re looking to buy in Kelowna, West Kelowna, or anywhere in the Okanagan, this guide is for you.
🧭 Step 1: Understand What You Can Afford
Before you fall in love with a home, it’s important to know what your price range actually looks like. That starts with talking to a mortgage broker or lender.
Get pre-approved so you can:
- Lock in an interest rate
- Set a realistic search range
- Show sellers you’re serious
- Avoid surprises during offer time
Not sure where to start? We work with some of the best mortgage pros in the Okanagan and can connect you to someone who fits your situation.
🔍 Step 2: Make a Needs vs. Wants List
Your first home probably won’t be your forever home—and that’s okay. Focus on the essentials that will give you stability, comfort, and room to grow.
Start with questions like:
- How many bedrooms do I truly need?
- Do I want a townhouse, condo, or detached home?
- Is walkability or a quiet street more important?
- Do I plan to rent part of the home for extra income?
Knowing what matters most will help us narrow down options faster and save you time.
📍 Step 3: Choose the Right Neighborhood
Okanagan communities each offer something unique. Whether you’re looking for a trendy downtown condo or a quiet neighborhood near schools, we’ll guide you based on your lifestyle, commute, and budget.
Top picks for first-time buyers:
- Glenmore: Close to downtown, with townhomes and family homes
- Rutland: More affordable, up-and-coming, and full of young families
- West Kelowna: Spacious homes, newer builds, and great value
- Lake Country: Scenic, quiet, and ideal for long-term investment
📑 Step 4: Be Prepared for Costs Beyond the Purchase Price
One of the biggest surprises for new buyers is the hidden costs involved. Knowing them up front helps you avoid stress later.
Common first-time buyer costs:
- Property transfer tax (often waived for first-time buyers under a certain threshold)
- Legal and notary fees
- Home inspection
- Moving expenses
- Strata fees (if buying a condo or townhouse)
We’ll walk you through all of these so nothing catches you off guard.
🏡 Step 5: Work With a Realtor Who Has Your Back
You don’t need to figure this all out alone. We’ve helped hundreds of first-time buyers move into homes they love—and we’re here to make your journey smoother, clearer, and way less stressful.
With Jay + Bree, you get:
- Personalized property searches
- Access to off-market listings
- Expert negotiation (we’ll help you get the best price possible)
- Step-by-step guidance through every part of the offer, inspection, and closing process
- Honest advice and real talk, always
🙌 Bonus: First-Time Buyer Programs
Did you know there are government programs designed to help first-time buyers get into the market faster?
You may qualify for:
- First-Time Home Buyer Incentive
- Property Transfer Tax Exemption
- RRSP Home Buyers’ Plan (HBP)
- CMHC 5% Down Payment Program
We’ll help you understand which programs you’re eligible for—and how to apply.
Let’s Make Homeownership Happen
Buying your first home doesn’t need to be confusing or overwhelming. With the right team on your side, it can actually be exciting and empowering.
📞 Book your free First-Time Buyer consult today and let’s create a custom plan that matches your timeline, budget, and goals.
We’ll walk you through everything—from first viewing to final signature.