Posts Tagged ‘Langford real estate’

Up-and-coming neighbourhoods in Greater Victoria are attracting attention from buyers who want long-term upside and lifestyle value. With infrastructure investment, population growth, and continued demand for Vancouver Island living, several areas stand out in 2026. If you are looking for appreciation potential or relative affordability compared to core Victoria, these up-and-coming neighbourhoods in Greater Victoria deserve a closer look. Langford Langford continues to lead Westshore growth. Ongoing development, improved amenities, and expanding retail corridors are reshaping the area. Why buyers are watching Langford: Continued new construction supply Family-oriented communities Access to lakes, trails, and recreation Increasing density near transit corridors While Langford is no longer “undiscovered,” certain pockets still offer value compared to central Victoria. Buyers who prioritize space and newer homes often begin their search here. Colwood Colwood has shifted significantly over the past few years. With major master-planned communities and waterfront access, it is evolving quickly. Growth drivers include: Revitalization along major routes New housing inventory Expanding commercial amenities Improved commuter routes Colwood appeals to buyers seeking newer homes with long-term growth potential, particularly as pricing in central neighbourhoods remains elevated. View Royal View Royal sits between the Westshore and downtown, offering strategic positioning. Historically overlooked, it now benefits from its central access. Why it stands out: Short commute to downtown Proximity to Thetis Lake and shoreline parks Mix of condos, townhomes, and detached homes Redevelopment potential in select pockets For investors, View Royal provides relative value with strong rental appeal due to its location. Vic West Vic West has transitioned steadily over the last decade. Its proximity to downtown and waterfront pathways continues to draw professionals and young families. Key factors: Walkability to employment hubs Waterfront access Blend of character homes and modern condos Ongoing infill development As supply tightens in downtown Victoria, Vic West remains a logical spillover market. Esquimalt Esquimalt is undergoing gradual transformation. Infrastructure upgrades and community investments are improving both perception and livability. Reasons buyers are paying attention: Relative affordability Ocean access and parks Military and government employment stability Increasing townhouse and condo projects For long-term investors, Esquimalt offers a compelling combination of rental demand and appreciation potential. What Makes a Neighbourhood “Up-and-Coming”? Up-and-coming neighbourhoods in Greater Victoria typically share several traits: Infrastructure investment Increased building permits Retail and amenity expansion Improved transit access Migration from higher-priced adjacent areas Monitoring these indicators helps buyers position themselves ahead of broader price growth. Is It Better to Buy Early? Buying in up-and-coming neighbourhoods in Greater Victoria often requires a long-term perspective. Appreciation typically follows infrastructure, density, and lifestyle improvements. Therefore, buyers who focus on fundamentals rather than short-term headlines often benefit most. If you are considering entering the market and want guidance on which neighbourhood aligns with your goals, reach out anytime to discuss your options and upcoming opportunities. Bokz V., 5-Star Review, via Google “Thank you Cal and Scott for helping us to find our home. Excellent service highly recommended.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

When you’re evaluating where to buy in the Greater Victoria, Saanich, or Westshore markets, understanding municipal property tax differences is an often-overlooked but highly relevant financial factor. Two homes with identical assessed values can lead to noticeably different tax bills year-to-year depending on the municipality — so knowing how rates stack up can influence both your upfront cost estimates and your long-term ownership costs. How Property Taxes Work in BC In British Columbia, municipal property taxes are calculated by multiplying the assessed value of your home by the municipal tax rate (mill rate). The assessment comes from BC Assessment and reflects market value as of July 1 prior to the tax year. Your total tax bill isn’t just the municipal share — it also includes levies collected for: Provincial school tax Capital Regional District (CRD) services Hospital district Transit Other local bodies Municipal budget decisions — such as infrastructure spending or service levels — directly influence the mill rate required to generate revenue. If assessments rise faster than the municipal budget, mill rates can stay stable or even decrease; if budgets grow faster than total assessed value, mill rates must increase. A municipality’s tax strategy often reflects local priorities and spending choices. Greater Victoria Municipal Property Tax Rates: A Snapshot Not all municipalities in Greater Victoria tax at the same rate. Based on available comparative data: Tax Rate Rankings (2022–2024 era) Lower tax rate municipalities: North Saanich generally sits near the lower end of regional property tax rates. View Royal often has lower mill rates compared with urban centres. Mid-range: Colwood and Langford in the Westshore tend to have moderate local municipal tax rates, but totals depend on other levies and assessment levels. Higher tax rate municipalities: Victoria and Central Saanich have among the higher municipal property tax rates within the region. Saanich typically shows a comparatively high effective tax burden. Differences matter: in a sample compiled by a brokerage, a $1 million home in Victoria would yield roughly $174 more in taxes than the same value home in Saanich, and a home in Colwood would pay about $645 more than in View Royal — purely based on rate spreads. (Note: precise current rates change annually with budgets and assessments. Always check municipal tax rate bylaws or use online tax calculators for exact figures for a given year.) Recent Trends: Rate Increases & Budget Pressures Municipalities across Greater Victoria have grappled with tax increases over recent years, driven by rising costs for core services, infrastructure renewals, and public safety: Saanich approved property tax increases near 8% in 2025, adding hundreds of dollars to the average homeowner bill. Langford has proposed significant tax hikes in multi-year financial plans to support rapid growth and expanding service demand. Regional increases by the Capital Regional District (CRD) also factor into total bills, with projected increases varying across municipalities depending on the services used (e.g., 4.1% for Victoria vs 7.7% for Langford for CRD requisitions in 2025). These upward pressures mean that even if a municipality historically had a lower tax rate, the year-to-year changes can shift relative burden across communities. Why These Differences Matter for Buyers 1. Annual Carrying Cost If you’re budgeting for homeownership, property taxes are a predictable recurring cost tied directly to your assessment and municipal priorities. A difference of a few hundred to a few thousand dollars annually can impact: Mortgage affordability Monthly cash flow Long-term cost projections for investment or retirement planning 2. Comparing Similar Homes Across Municipalities Two homes with equal market value — one in Saanich and one in Langford or Colwood — could result in: Different quarterly tax bills Different services received for that tax dollar (e.g., recreation, policing, parks) This can be a tiebreaker for buyers evaluating multiple locations in the region. 3. Growth and Future Tax Outlook Municipalities at different stages of development (e.g., fast-growing Langford vs more established Saanich or Victoria) may adopt differing strategies on whether to keep taxes low for growth incentives or invest in services and infrastructure. Howard P., 5-Star Review, via Google “Cal and Scott Faber are authentic and trustworthy and give it to you straight up. They take the time and the attention to learn about your needs and then find the home that fits them. Our experience with Cal and Scott Faber was exceptional. They didn't just provide great service, they demonstrated a genuine concern for our best interests, making us feel truly valued. They will do their best to find the home that fits your lifestyle and needs. I heartily recommend Cal and Scott.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Pets aren’t just companions - they’re part of the family. For many homebuyers in the Westshore, especially in family-oriented areas like Bear Mountain and Langford, access to pet-friendly spaces and amenities can be a deciding factor in where they choose to live. In this guide, we spotlight new and upcoming developments that prioritize pets, making it easier to find a home that suits both you and your four-legged friend. Why Pets Matter in Westshore Real Estate Westshore communities are built around outdoor living, with trails, parks, and green space at every turn. Buyers with dogs or other pets increasingly seek developments that: Include on-site dog parks or pet play areas Offer easy access to trails and off-leash areas Provide wash stations, grooming rooms, or pet care services Nestle close to vet clinics, pet stores, and open community space In Bear Mountain, for example, the abundance of trails and outdoor activities makes the area naturally appealing to active pet owners. Developers here often incorporate dedicated pet spaces into site plans, acknowledging the strong influence pets have on purchase decisions. Noteworthy Pet-Friendly Developments Several new and planned Westshore developments have responded to buyer demand for pet-centric features: Pavilion Langford (Langford City Centre)  - Has no size limits or breed restrictions. Close to dog parks and trails. Trailside Residences (Bear Mountain) – Close to miles of off-leash trails, with community dog runs integrated into green spaces. The Grove (Langford City Centre) – Includes enclosed pet play areas and easy pathway access to parks. Harbour Living (Colwood) – Offers waterfront strolls and pet stations along scenic walking paths. Tips for Pet-Friendly Buying When evaluating properties, consider these factors: Pet policy and fees: Some condos have size limits, breed restrictions, or extra deposits — verify before committing. Amenity accessibility: Look for developments where dog parks or pet facilities are truly convenient rather than peripheral. Walkability: Proximity to parks, beaches, and trails enhances daily life for pets and owners alike. Final Thoughts As the Westshore continues to grow, pet-friendly developments are becoming a key segment of the market. Whether it’s a dedicated dog park, close access to trails, or pet-focused building amenities like those at Pavilion Langford, these features can significantly enhance lifestyle and resale appeal. For buyers who prioritize their pets, this guide offers a starting point in finding the right fit in Westshore real estate. If you’d like personalized recommendations based on your pet’s needs and your home search criteria, I can help you explore options and compare features that matter most. Justine D., 5-Star Review, via Google “Cal and Scott treated us like family. We had only 5 days to find a home and Cal cleared his schedule to make himself available to us. Cal guided us in the purchase of our home, as if we were a member of his family asking for advice. I knew we could trust Cal. His service to us did not stop with the purchase of our home…he helped us find trades people and provided information about rental incomes in the area. We were new to the Island and I honestly felt that Cal adopted us and has made sure we had everything we needed. We did not just gain a realtor, but a friend. If you are looking for a realtor you can TRUST, and will look out for YOUR interests— then Cal and Scott are IT!!! Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Many buyers choose to live in Greater Victoria communities because of the region’s year-round access to nature, trails, beaches, and parks. Buyers who prioritize active living often focus their home search on neighbourhoods that provide immediate access to hiking, biking, waterfront activities, and green space. Several communities stand out for offering exceptional outdoor lifestyles alongside strong real estate appeal. Langford – Trail Networks and Lakeside Living Langford continues to attract buyers who want convenient access to hiking trails, lakes, and recreation facilities. The area offers quick connections to Mount Finlayson, Goldstream Provincial Park, and numerous biking routes throughout the Westshore. Popular neighbourhoods such as Westhills and Bear Mountain appeal to buyers who value outdoor recreation. Westhills offers walkable community planning with access to parks and lakes, while Bear Mountain provides golf, trail systems, and resort-style amenities. These features make Langford one of the most popular Greater Victoria outdoor recreation communities for families and active professionals. Sooke – Oceanfront and Rugged Nature Access Sooke attracts buyers looking for direct access to Vancouver Island’s rugged coastline and wilderness. Residents enjoy kayaking, fishing, hiking, and beach exploration, with popular destinations like East Sooke Regional Park and the Sooke Potholes nearby. Sooke appeals to buyers seeking a quieter lifestyle surrounded by nature. Detached homes and waterfront properties remain common, which attracts outdoor enthusiasts who prioritise space and natural surroundings. Sidney – Walkable Waterfront Recreation Sidney offers a unique balance of seaside living and walkable convenience. Residents enjoy waterfront trails, cycling routes, marinas, and easy beach access throughout the community. The town attracts downsizers, retirees, and buyers seeking a slower pace of life while maintaining strong outdoor recreation opportunities. Sidney’s flat terrain and compact layout make it especially appealing to residents who enjoy walking and cycling daily. Saanich – Diverse Parks and Regional Trail Access Saanich provides some of the most diverse outdoor recreation opportunities in the region. Residents benefit from quick access to Mount Douglas Park, Elk and Beaver Lake Regional Park, and extensive cycling routes. Neighbourhoods in Saanich often appeal to buyers who want suburban living with immediate access to green space. The variety of housing styles also attracts a wide range of buyers, from young families to long-term homeowners. Oak Bay – Coastal Recreation and Scenic Shorelines Oak Bay is known for its coastal walking paths, waterfront parks, and ocean recreation. Residents enjoy kayaking, paddleboarding, and scenic shoreline trails, including popular destinations like Willows Beach and the Oak Bay Marina area. Oak Bay attracts buyers looking for established neighbourhood charm combined with premium access to waterfront outdoor activities. The area often appeals to buyers prioritizing long-term property value and lifestyle quality. Choosing the Right Outdoor-Focused Community Buyers comparing Greater Victoria outdoor recreation communities should consider daily lifestyle priorities, commute needs, and housing preferences. Some areas offer rugged wilderness access, while others focus on waterfront living or family-friendly trail systems. Communities such as Langford and Sooke often appeal to buyers seeking hiking and adventure-focused recreation. Sidney and Oak Bay typically attract buyers prioritizing ocean access and walkable outdoor activities. Saanich offers a balanced option with diverse park systems and suburban convenience. Outdoor Lifestyle and Long-Term Real Estate Appeal Access to recreation continues to influence buyer demand across Greater Victoria. Communities with strong outdoor amenities often maintain steady resale value because lifestyle-driven buyers remain highly active in the market. While past performance does not guarantee future results, outdoor-focused neighbourhoods consistently attract long-term interest. If you are exploring Greater Victoria outdoor recreation communities, contact our team to discuss neighbourhood options and find a home that matches your lifestyle goals. Marieke J., 5-Star Review, via Google “We had a fantastic experience with Cal and Scott. From the first meeting via Zoom until the moment we received the keys to our new home. They are very kind and warm people, and made us feel at home and welcome right away. Scott is very knowledgeable, easy to work with, professional, honest and quick to respond to questions. We felt in good hands and comfortable having him at our side in our buying process. When looking for a great realtor in the Victoria area, I would highly recommend Cal and Scott from Faber Real Estate Group..” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Langford’s real estate market is gaining attention in 2026 as new developments driving Westshore appeal continue reshaping the community. A growing number of condo, townhome, and mixed use projects are improving livability, expanding amenities, and supporting long term property value. Buyers continue to choose the Westshore for its balance of attainable housing, modern design, and easy access to outdoor recreation. With higher inventory and stable pricing, many buyers are exploring new construction to secure energy efficient homes, contemporary layouts, and warranty backed peace of mind. Several projects stand out, including Pavilion One, which is helping redefine urban living in Langford. Pavilion One Leading Langford’s New Development Wave One of the most anticipated new developments driving Westshore appeal is Pavilion One, located in Langford’s rapidly growing South Centre neighbourhood. Positioned near Westshore Town Centre, Belmont Market, and major recreation facilities, Pavilion One offers a highly walkable lifestyle that continues attracting buyers to this area. Pavilion One is designed as the first phase of a multi building master planned community that blends residential living with retail and service amenities. The project features a collection of one, two, and three bedroom condo homes designed to maximize functionality and everyday comfort. Open concept floorplans, large windows for natural light, and private outdoor spaces create flexible living environments suited for first time buyers, downsizers, and investors. The development places strong emphasis on energy efficiency and modern building performance. Homes include heating and cooling through efficient heat pump systems, contemporary building envelope standards, and durable finish selections intended to reduce long term maintenance costs. Secure underground parking, bike storage, and EV charging capabilities reflect evolving buyer priorities and support sustainable transportation options. Community focused amenities are another key feature of Pavilion One. Planned shared spaces encourage social connection while supporting a convenient urban lifestyle. The location places residents within walking distance of shopping, dining, entertainment, parks, and major transit routes, reducing reliance on vehicles and increasing everyday convenience. Other Notable Langford Developments Adding Momentum Several additional projects are contributing to the strong momentum created by new developments driving Westshore appeal, offering diverse housing options across the market. The Ridge at Vista Point (Bear Mountain)This development offers elevated condo and townhome living with panoramic views, high end finishes, and direct access to golf and recreation amenities. It continues to attract lifestyle focused buyers and move up purchasers. Fairway GardensFairway Gardens offers contemporary townhome living with rooftop patios and open concept layouts. Its location near commuter routes and recreation facilities appeals to young families and professionals. Lakeside WestLocated near Langford Lake, Lakeside West features Scandinavian inspired condo homes emphasizing natural light, simplicity, and functional design. Close proximity to trails and water recreation remains a major draw for active buyers. The BoardwalkThe Boardwalk delivers modern condo living near Belmont Market and Westshore Town Centre. Residents benefit from walkable access to shopping, dining, and essential services. Westhills Master Planned CommunityWesthills remains one of Langford’s most established neighbourhoods. With schools, parks, lakes, and commercial amenities, it continues to support sustained residential growth and long term community planning. Green Design and Infrastructure Supporting Long Term Value Sustainability and infrastructure investment remain central factors behind new developments driving Westshore appeal. Many new projects incorporate energy efficient heating and cooling systems, enhanced insulation standards, and environmentally responsible building materials that align with modern buyer expectations. Langford also continues expanding transportation networks, pedestrian pathways, cycling routes, and community amenities. Improved connectivity to Greater Victoria employment centres, combined with expanding local services, is transforming the Westshore into a more self sufficient urban hub. What This Means for Buyers and Investors The continued growth of new construction is expanding housing choice while strengthening market stability. Buyers benefit from improved building standards, reduced operating costs, and modern design features. Investors remain attracted to the Westshore’s population growth, infrastructure investment, and strong rental demand. Projects like Pavilion One highlight how Langford continues evolving into a community that blends convenience, sustainability, and lifestyle driven planning. As these developments progress, they will continue shaping both the character and long term value of Westshore real estate. If you are considering Pavilion One or want to explore other Westshore developments, reach out to our team to discuss your options and home search goals. Shannon R., 5-Star Review, via Google It was a pleasure to work with Scott Faber and Faber Real Estate Group. When I started looking for my first home in August 2021, I had some pretty specific requirements. Scott is a really knowledgeable Agent who also took the time to understand what I was looking for. I never felt pressured into making a decision that wasn't my own, but always valued his honest opinion and guidance when needed. It took close to 9 months, but we found a great place that checked all the boxes, that I'm excited to call home.. I appreciate the whole team's effort, support and patience throughout this journey and as a first time home buyer I could not be happier with my experience with Faber Real Estate Group.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Buyer’s remorse is a common concern for homebuyers, especially in a market like Victoria, BC where prices remain high even in a balanced 2026 environment. Learning how to avoid buyer’s remorse in Victoria, BC starts with preparation, realistic expectations, and the right guidance. With more inventory available across the Westshore, Oak Bay, and Saanich, buyers now have the opportunity to make confident, well-considered decisions. Get Clear on Your Budget Before You Shop Financial stress is one of the biggest causes of buyer’s remorse. A mortgage pre-approval helps define your true price range and accounts for the stress test. It also locks in your rate for up to 120 days. To stay comfortable long-term: Shop 10 to 20 percent below your maximum approval Budget 1 to 4 percent of the home’s value annually for maintenance Plan for closing costs, which typically run 1.5 to 4 percent in Victoria This buffer gives you flexibility and peace of mind after possession day. Separate Must-Haves From Nice-to-Haves Emotion can creep in quickly during showings. Creating a clear list keeps decisions grounded. Focus on: Bedrooms and layout that fit your lifestyle Commute times and access to schools or transit Outdoor space, storage, or work-from-home needs Features like high-end finishes are appealing, but they should not outweigh long-term functionality. Research the Neighbourhood, Not Just the House Even a great home can lead to regret if the location does not fit your lifestyle. Visit the neighbourhood at different times of day and on weekends. Pay attention to noise, traffic, parking, and overall activity. In Victoria, each area offers a different feel. Fairfield, Langford, Colwood, and Oak Bay all appeal to different buyers. Understanding that difference helps you avoid buyer’s remorse after you move in. Never Skip the Inspection or Rush the Process A home inspection is essential, even in a competitive market. It can uncover issues that affect both your budget and your comfort in the home. Take time to: View the property more than once Ask detailed questions Bring in specialists for older or character homes when needed Rushing often leads to overlooked details and later regret. Work With Experienced Local Professionals A knowledgeable local REALTOR helps you spot red flags, understand value, and negotiate effectively. A good mortgage broker and real estate lawyer also play a critical role in reducing surprises. In a buyer-friendly 2026 market, you can afford to slow down and compare options. If something does not feel right, it is okay to walk away. Quick Tips to Avoid Buyer’s Remorse Get pre-approved early and respect your budget Prioritize needs over cosmetic upgrades Research neighbourhoods thoroughly Always complete a home inspection Take your time and trust the process Avoiding buyer’s remorse in Victoria, BC comes down to clarity, patience, and the right advice. Ready to buy with confidence? Contact us to discuss how these strategies can support your home search and help you feel good about your decision long after you move in.   Wilson, 5-Star Review, via Google “Amazing people there! They will help you through the entire process and will always make you feel like family. For those first time home buyers, don't be intimidated entering the market because they will explain every process and guide you through.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”  

The Westshore vs Saanich East debate is becoming more common as buyers explore Greater Victoria’s suburban options. Both areas offer strong lifestyle benefits, established amenities, and access to nature, but they appeal to different priorities and budgets. Understanding how Colwood and the broader Westshore compare to Saanich East can help buyers make confident real estate decisions. Lifestyle and Community Feel When comparing Westshore vs Saanich East, lifestyle is often the biggest deciding factor. The Westshore, including Colwood, Langford, and View Royal, tends to offer a newer suburban feel. Many neighbourhoods feature modern developments, growing commercial hubs, and easy access to parks, lakes, and oceanfront spaces. Communities like Royal Bay and Olympic View emphasize outdoor living, family-friendly planning, and newer infrastructure. The Westshore is especially attractive to buyers looking for newer homes, expanding amenities, and a slightly more relaxed suburban atmosphere. Saanich East offers a more established and mature neighbourhood experience. Areas such as Gordon Head, Cadboro Bay, and Mt. Douglas feature tree-lined streets, established schools, and proximity to the University of Victoria. Many buyers are drawn to Saanich East for its strong sense of community, long-standing neighbourhood character, and central location within Greater Victoria. Housing Prices and Property Types Housing costs remain a major factor in the Westshore vs Saanich East comparison. The Westshore generally provides more attainable entry points into the market. Buyers often find newer condos, townhomes, and detached houses at lower average price points compared to Saanich East. Larger homes, newer construction, and family-oriented developments are often more accessible in Colwood and Langford, making the Westshore popular with first-time buyers and move-up families. Saanich East typically commands higher price points due to its established neighbourhoods, proximity to downtown Victoria, and strong school catchments. Many homes in Saanich East are older but situated on larger, mature lots. Buyers often choose Saanich East for long-term stability, central convenience, and neighbourhood prestige. Amenities and Convenience Amenities play a significant role when evaluating Westshore vs Saanich East living. The Westshore continues to expand its commercial and recreation offerings. Belmont Market, Westshore Town Centre, and the Royal Bay Commons development provide growing retail, dining, and service options. Recreation opportunities are abundant, including hiking, beaches, golf courses, and lakes. The Westshore is also seeing increased mixed-use developments that integrate housing with everyday amenities. Saanich East benefits from long-established infrastructure and highly regarded public services. Residents enjoy close access to the University of Victoria, Camosun College, and several major recreation centres. Cadboro Bay Village and Broadmead Village provide boutique shopping and community-focused services. Saanich East also offers quicker access to downtown Victoria and Oak Bay, which appeals to buyers prioritizing central convenience. Commute and Accessibility Commute time is another major consideration in the Westshore vs Saanich East decision. Westshore residents commuting into downtown Victoria or Saanich East typically face longer travel times, particularly during peak traffic hours. However, continued road improvements and expanding local employment opportunities are helping reduce reliance on commuting for many residents. Saanich East offers shorter and more predictable commute times to downtown Victoria, major employment centres, and post-secondary institutions. This central positioning is often a major advantage for professionals and university staff or students. Long-Term Investment and Market Trends Both regions offer strong long-term real estate potential. The Westshore continues to benefit from population growth, new construction, and expanding infrastructure. These factors support steady demand and long-term appreciation potential. Saanich East remains one of Greater Victoria’s most stable and consistently desirable housing markets. Limited land availability and strong neighbourhood reputation help support property values and long-term resale strength. Which Suburb Is Right for You? Choosing between The Westshore vs Saanich East debate is becoming more common as buyers explore Greater Victoria’s suburban options. Both areas offer strong lifestyle benefits, established amenities, and access to nature, but they appeal to different priorities and budgets. Understanding how Colwood and the broader Westshore compare to Saanich East can help buyers make confident real estate decisions. Lifestyle and Community Feel When comparing Westshore vs Saanich East, lifestyle is often the biggest deciding factor. The Westshore, including Colwood, Langford, and View Royal, tends to offer a newer suburban feel. Many neighbourhoods feature modern developments, growing commercial hubs, and easy access to parks, lakes, and oceanfront spaces. Communities like Royal Bay and Olympic View emphasize outdoor living, family-friendly planning, and newer infrastructure. The Westshore is especially attractive to buyers looking for newer homes, expanding amenities, and a slightly more relaxed suburban atmosphere. Saanich East offers a more established and mature neighbourhood experience. Areas such as Gordon Head, Cadboro Bay, and Mt. Douglas feature tree-lined streets, established schools, and proximity to the University of Victoria. Many buyers are drawn to Saanich East for its strong sense of community, long-standing neighbourhood character, and central location within Greater Victoria. Housing Prices and Property Types Housing costs remain a major factor in the Westshore vs Saanich East comparison. The Westshore generally provides more attainable entry points into the market. Buyers often find newer condos, townhomes, and detached houses at lower average price points compared to Saanich East. Larger homes, newer construction, and family-oriented developments are often more accessible in Colwood and Langford, making the Westshore popular with first-time buyers and move-up families. Saanich East typically commands higher price points due to its established neighbourhoods, proximity to downtown Victoria, and strong school catchments. Many homes in Saanich East are older but situated on larger, mature lots. Buyers often choose Saanich East for long-term stability, central convenience, and neighbourhood prestige. Amenities and Convenience Amenities play a significant role when evaluating Westshore vs Saanich East living. The Westshore continues to expand its commercial and recreation offerings. Belmont Market, Westshore Town Centre, and the Royal Bay Commons development provide growing retail, dining, and service options. Recreation opportunities are abundant, including hiking, beaches, golf courses, and lakes. The Westshore is also seeing increased mixed-use developments that integrate housing with everyday amenities. Saanich East benefits from long-established infrastructure and highly regarded public services. Residents enjoy close access to the University of Victoria, Camosun College, and several major recreation centres. Cadboro Bay Village and Broadmead Village provide boutique shopping and community-focused services. Saanich East also offers quicker access to downtown Victoria and Oak Bay, which appeals to buyers prioritizing central convenience. Commute and Accessibility Commute time is another major consideration in the Westshore vs Saanich East decision. Westshore residents commuting into downtown Victoria or Saanich East typically face longer travel times, particularly during peak traffic hours. However, continued road improvements and expanding local employment opportunities are helping reduce reliance on commuting for many residents. Saanich East offers shorter and more predictable commute times to downtown Victoria, major employment centres, and post-secondary institutions. This central positioning is often a major advantage for professionals and university staff or students. Long-Term Investment and Market Trends Both regions offer strong long-term real estate potential. The Westshore continues to benefit from population growth, new construction, and expanding infrastructure. These factors support steady demand and long-term appreciation potential. Saanich East remains one of Greater Victoria’s most stable and consistently desirable housing markets. Limited land availability and strong neighbourhood reputation help support property values and long-term resale strength. Which Suburb Is Right for You? Choosing between Westshore vs Saanich East ultimately depends on your priorities. Buyers seeking newer homes, family-focused planning, and more attainable pricing often gravitate toward Colwood and the Westshore. Buyers prioritizing central location, established neighbourhoods, and long-term neighbourhood stability often prefer Saanich East. Both communities offer exceptional lifestyle benefits and strong real estate fundamentals. The right choice comes down to how you balance commute, budget, home style, and neighbourhood character. If you are considering buying in either the Westshore or Saanich East, contact us to discuss your options and find the neighbourhood that best fits your lifestyle and home search goals. Shannon R., 5-Star Review, via Google It was a pleasure to work with Scott Faber and Faber Real Estate Group. When I started looking for my first home in August 2021, I had some pretty specific requirements. Scott is a really knowledgeable Agent who also took the time to understand what I was looking for. I never felt pressured into making a decision that wasn't my own, but always valued his honest opinion and guidance when needed. It took close to 9 months, but we found a great place that checked all the boxes, that I'm excited to call home.. I appreciate the whole team's effort, support and patience throughout this journey and as a first time home buyer I could not be happier with my experience with Faber Real Estate Group.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

In the stable 2026 Victoria real estate market, where inventory remains higher and prices are holding steady, getting pre-approved for a mortgage is one of the smartest first steps you can take as a buyer. Pre-approval gives you clarity around your budget and shows sellers that you are prepared and serious. Whether you are a first-time buyer looking at condos or townhomes, or planning to move into a family home in areas like Oak Bay or the Westshore, pre-approval helps you shop with confidence and focus on realistic options. What Is Mortgage Pre-Approval? Mortgage pre-approval is a lender’s conditional commitment outlining how much you may be able to borrow based on a review of your finances. This includes a credit check, income verification, and an assessment under Canada’s mortgage stress test. Unlike pre-qualification, which is only an estimate, pre-approval provides a more reliable borrowing range. It also allows many buyers to lock in an interest rate for up to 90 to 120 days, offering protection against short-term rate changes. In a market like Victoria, where average home prices remain high, pre-approval helps narrow your search and avoid wasted time. Why Pre-Approval Matters in Victoria’s 2026 Market Pre-approval strengthens your position when making an offer. Sellers are more likely to take your offer seriously when financing is already reviewed, especially in desirable neighbourhoods where competition can still exist. It also provides peace of mind. Knowing your borrowing limit allows you to plan confidently, align expectations, and avoid overextending yourself. For first-time buyers, pre-approval also helps coordinate eligibility for government programs and incentives. Steps to Get Pre-Approved The process is straightforward when documents are prepared in advance. Review your finances Check your credit score, outstanding debts, and available down payment. A score of 680 or higher typically opens access to better rates. Gather required documents Having documents ready can significantly speed up approval timelines. Choose a lender or mortgage broker Banks, credit unions, and brokers each offer different advantages depending on your needs. Submit your application Applications can be completed online, in person, or over the phone. A hard credit check is required. Receive your pre-approval Once approved, you will receive a letter outlining your maximum purchase price and rate hold period. Documents You Will Need To keep things moving smoothly, prepare the following: Government-issued photo ID Recent pay stubs and T4s or Notices of Assessment Employment confirmation letter Bank statements and details of existing debts Proof of down payment and closing costs Self-employed buyers may need additional documentation covering the past two years. Choosing a Lender or Broker in Victoria Victoria buyers can choose between major banks, local credit unions, or licensed mortgage brokers. Banks and credit unions offer direct applications and familiar products. Mortgage brokers, on the other hand, can compare multiple lenders and help structure financing based on your goals. Working with a broker can be especially helpful if your income is variable, you are self-employed, or you want to explore more flexible options.  Common Mistakes to Avoid Avoid taking on new debt during the pre-approval process, as it can impact your borrowing power. It is also wise to review your credit report in advance and correct any errors. Finally, try to complete lender applications within a short time frame to limit the impact on your credit score. Bottom Line Mortgage pre-approval sets the foundation for a successful home purchase in Victoria. It helps you understand your budget, strengthens your offers, and reduces stress once you find the right property. Ready to take the next step toward buying in Victoria or the Westshore? Contact us to discuss how pre-approval fits into your home search and overall strategy. We can also refer you to a mortgage broker.    James C., 5-Star Review, via Google “Scott made the process of finding a good condo in Victoria as simple and straightforward as it can be. He was always very helpful, and quick to respond throughout the process from start to finish. Being new to BC I think the ordeal would have been pretty overwhelming otherwise. I'd definitely recommend Scott and his team to others in the future.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”  

For buyers considering Langford, Colwood, or View Royal, one question comes up again and again: is the Westshore commute worth it? The Westshore continues to attract buyers with more attainable pricing, larger homes, and access to nature. In a balanced 2026 market with higher inventory and stable prices, many buyers are weighing commute time against lifestyle benefits. The answer depends largely on how you work, travel, and spend your time. Traffic Reality in 2026 For those commuting by car, traffic remains the biggest drawback. Highway 1 is the main route into downtown Victoria, and congestion during peak hours can significantly extend drive times. What should be a short commute can stretch to 45 minutes or more on busy mornings. Growth in the Westshore has outpaced infrastructure, creating bottlenecks that are still being addressed. While improvements such as bridge upgrades and dedicated bus lanes have helped, traffic remains inconsistent. Buyers who drive daily need to factor this into their routine, especially if they work standard office hours. That said, proximity matters. Homes closer to Highway 1 or transit corridors in Colwood and View Royal can offer slightly more predictable travel times. Public Transit as an Alternative For buyers looking to avoid driving, public transit continues to improve. BC Transit’s Blink RapidBus provides frequent service between the Westshore and downtown, using dedicated lanes to reduce delays. During peak hours, buses arrive often enough to support daily commuting. Transit works especially well for students, downtown workers, and households with flexible schedules. However, some routes can still feel crowded, and transit times may not suit everyone. While transit is a viable option, it works best when paired with realistic expectations. Remote and Hybrid Work Changes the Equation Work-from-home and hybrid schedules have reshaped the Westshore commute conversation. In 2026, many buyers no longer travel five days a week. Even commuting two or three days instead of five significantly reduces the impact of traffic. This shift has made the Westshore more appealing for professionals in tech, government, and remote-friendly roles. For buyers with flexible work arrangements, the commute often becomes a manageable trade-off rather than a daily frustration. Space, Value, and Lifestyle Benefits What the Westshore lacks in proximity to downtown, it makes up for in space and value. Buyers typically get larger homes, newer construction, and better value per square foot compared to Victoria’s core neighbourhoods. Communities like Westhills and Bear Mountain offer planned developments with parks, trails, and amenities built in. Access to nature is a major draw, with nearby options like the Galloping Goose Trail, Goldstream Park, and Florence Lake supporting an active lifestyle year-round. For families and outdoor-focused buyers, these lifestyle benefits often outweigh longer travel times. Pros and Cons at a Glance Pros More affordable homes with larger layouts Strong access to parks, trails, and outdoor recreation Improved transit options and remote work flexibility High inventory and buyer leverage in 2026 Cons Traffic congestion during peak hours Longer drives to downtown amenities Ongoing infrastructure pressure as the area grows Bottom Line So, is the Westshore commute worth it? For buyers prioritizing space, affordability, and lifestyle, the answer is often yes, especially with hybrid or remote work. For those who value short commutes and walkable urban living, the trade-offs may feel more significant. In a 2026 market that favours buyers, the Westshore offers real value if the commute fits your routine. If you are considering Langford or Colwood, understanding how these factors align with your lifestyle is key to making the right move. Ready to explore options in Langford or Colwood? Contact us to discuss how these factors play into your home search. Don S., 5-Star Review, via Google “I would recommend them to anyone buying real estate on the Vancouver Island. The team is very knowledgeable, courteous and professional, adding a personal touch to building a strong relationship.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”

Buying a home in British Columbia especially in high-demand areas like Greater Victoria can feel daunting with rising prices and closing costs. The good news? In 2026, a mix of provincial, federal, and even local programs can significantly reduce upfront costs, boost your down payment, or lower ongoing expenses. These incentives are particularly valuable in the current balanced market, where buyers have more leverage. Here's a breakdown of the most impactful ones available right now, focusing on first-time buyers (though some apply more broadly). Always verify eligibility on official sites, as rules can adjust. Provincial Incentives (BC-Specific) First-Time Home Buyers’ Program (Property Transfer Tax Exemption/Refund) This is one of the biggest savers: It reduces or eliminates BC's Property Transfer Tax (PTT) on your purchase. For homes with fair market value $500,000 or less: Full exemption (no PTT at all). For homes $500,001–$835,000: Exemption of $8,000 (equivalent to no tax on the first $500,000). Partial phase-out for $835,001–$860,000. Homes over $860,000 generally don't qualify. Savings can reach up to $8,000+ (or more on lower-priced homes). You must be a first-time buyer (no prior ownership in the last few years), a BC resident, and meet other criteria like using it as your principal residence. Partial exemptions apply if co-buying with a non-qualifying partner. Check details and apply via the BC government site. Newly Built Home Exemption If buying or building a new home/condo: Full PTT exemption for homes up to $1,100,000, with partial for $1,100,001–$1,150,000. Great for new developments in areas like Langford or Colwood. Home Owner Grant Not just for first-timers—this reduces your annual property taxes. Up to $570 in Metro Victoria/Capital Regional District (or $770 elsewhere in BC). Full grant if assessed value ≤ $2,075,000 in 2026. It kicks in after purchase and helps with ongoing costs. Federal Incentives (Nationwide, Including BC) First Home Savings Account (FHSA) A powerful savings tool: Contribute up to $8,000/year (lifetime max $40,000 per person). Contributions are tax-deductible (like RRSP). Growth and qualified withdrawals for a first home are tax-free (like TFSA). Combine with other programs—perfect for building a down payment faster. Home Buyers’ Plan (HBP) Withdraw up to $60,000 tax-free from your RRSP for a down payment (or build). No tax on withdrawal; repay over 15 years (starting after a grace period). Ideal if you have RRSP savings—many first-timers stack this with FHSA. First-Time Home Buyers’ Tax Credit (Home Buyers’ Amount) Claim a non-refundable credit of up to $10,000 on your tax return (worth about $1,500 in savings, depending on your bracket). Applies to the year you buy; covers closing costs indirectly. GST/HST New Housing Rebate (Plus Proposed First-Time Buyer Top-Up) For new builds: Reclaim part of the GST/HST paid. A new federal proposal (with legislation advancing) offers additional relief: Up to 100% rebate (max ~$50,000) on new homes ≤ $1M, phasing out to $1.5M. If passed and applicable, it stacks with the standard rebate—huge for new construction buyers. CMHC Mortgage Insurance (for Low Down Payments) Not a direct grant, but enables 5% down payments on homes up to ~$1M+ (with insurance premium added to mortgage). In a balanced market, this stretches budgets further. Local Spotlight: Langford Attainable Home Ownership Program In the West Shore (Victoria area), the City of Langford offers a unique pilot: Up to 75% down payment assistance for qualifying buyers on select new condos priced $399,000–$499,000. Sliding scale based on income (e.g., max help for households under ~$130,000). Applications are open—great entry point for first-timers in growing Langford. How to Maximize These in 2026 Stack Them: Use FHSA + HBP for down payment, PTT exemption on closing, GST rebate on new builds, and Home Owner Grant ongoing. Get Pre-Approved: Factor these into your budget with a mortgage specialist. Timing Matters: Early 2026 often sees good inventory; act before potential changes. Eligibility Check: Most require Canadian citizenship/PR status, first-time status (some exceptions), and principal residence use. These programs can save thousands to tens of thousands, making homeownership more reachable—especially in the West Shore's relatively affordable pockets. Ready to dive into specifics for your budget or area? Let me know! Doug M., 5-Star Review, via Google “For us, selling our first home of 15 years brought up a lot of emotion and the process felt daunting. We had a challenging tenant and lived off island. In rode these 3 amigos, the Fabers, like knights on white horses! Always there, supporting, guiding every step of the way, connecting with confidence and kindness. Fluid communication and success on every level. Truly a God send, we can’t imagine having done it without them! A pleasure indeed.” Faber Real Estate Group Royal LePage Coast Capital Realty 📞 250-244-3430 📧[email protected] ℹ️ Scott Faber Personal Real Estate Corporation ℹ️ Cal Faber Personal Real Estate Corporation Vanessa Wood, Zachary Parsons, and Sophie Taylor “Building Lasting Relationships, One Home at a Time.”