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Overview Of The Buying Process

House buying is more complicated than many people expect. Here’s an overview from Luke on the steps involved for a typical BC home purchase.

1. Ensure you’re ready to buy

You will need:

  • Mortgage approval from a lender or financial institution.
  • A downpayment available. (The percentage you will need depends on your mortgage approval.)

2. Find your home

There are property listings on this site, presented by Luke Mori and other REALTORS®.

Another comprehensive option is the realtor.ca website, which has even more listings in the area.

Can’t find what you are looking for? You can speak with Luke and discuss many options for finding your next home.

3. Make an offer

Luke will walk you through the process, including all the things to consider in making an offer:

  • Do you need offer conditions, such as a period of time to get approved financing?
  • Is a home inspection required?
  • Are there any specifics or extras you want included in the purchase?

If you are a first time buyer, there may also be money saving opportunities that Luke can advise you on.

4. Legal work

Once you have an offer accepted, there are legal steps that will require a lawyer. They include:

  • Handling legal documents and title transfer
  • Land transfer tax that may be payable on possession day
  • GST applicability
  • Handling your deposit

5. Taking possession

On the day of possession, you will:

  • Meet with your lawyer
  • Sign the legal documents
  • Forward funds for deposit
  • Sign your mortgage commitment documents

and… get the keys to your new home!


Luke can guide you through the whole process. He has helped many first time buyers and experienced buyers alike in finding their Nelson and Kootenay home.

Here are a few links to assist you.

Contact Luke with any questions, or to get advice on your next step.

"As out of province buyers, Luke worked tirelessly to ensure our needs were met and questions answered in a prompt fashion. He made himself available to show us properties on limited notice (and surely inconvenient times). Luke was not only a wealth of information and insight, he was also sincere and fun to work with. When the time comes we will definitely list with Luke Mori as he is relevant and current in his marketing and mindset."

- C Bo, successful home buyer

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REALTOR®, REALTORS®, and the REALTOR® logo are certification marks that are owned by REALTOR® Canada Inc. and licensed exclusively to The Canadian Real Estate Association (CREA). These certification marks identify real estate professionals who are members of CREA and who must abide by CREA’s By-Laws, Rules, and the REALTOR® Code. The MLS® trademark and the MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. The information contained on this site is based in whole or in part on information that is provided by members of The Canadian Real Estate Association, who are responsible for its accuracy. CREA reproduces and distributes this information as a service for its members and assumes no responsibility for its accuracy. This website is operated by Luke Mori, a member of The Canadian Real Estate Association. The listing content on this website is protected by copyright and other laws, and is intended solely for the private, non-commercial use by individuals. Any other reproduction, distribution or use of the content, in whole or in part, is specifically forbidden. The prohibited uses include commercial use, "screen scraping", "database scraping", and any other activity intended to collect, store, reorganize or manipulate data on the pages produced by or displayed on this website.

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