Buy a home in Oak Bay with Pemberton Holmes

Your local real estate broker in Oak Bay (Victoria), B.C.

Whether you’re a first time buyer, or an experienced home-owner, we strive to make the buying process informative and straightforward. It’s our duty to ensure that you’re making sound decisions with quality information. When you choose to be represented by a Pemberton Holmes Oak Bay REALTOR®, you receive these benefits as part of our home buyer services:

  • A fiduciary relationship with a duty for us to protect your interests through a legal and regulatory framework of ethics and procedures
  • Personal and corporate accountability through compliance with the Canadian Real Estate Association’s Standards of Business Practice
  • Full disclosure of our working relationships, the details of your transaction, and a commitment to transparency
  • Strict avoidance of conflicts of interest and complete loyalty to the client
  • Absolute integrity and honesty in all business dealings
  • Privacy and confidentiality in all aspects of our working relationships
  • The utmost civility, co-operation, and fairness to all
  • Professional, competent service based on knowledge and experience

Our Buyer Services

Your home search to buy a home in Oak Bay may begin with a visit to our listing mapping tool. It’s fun and easy to find the homes you want to see in the village of Oak Bay. Your REALTOR® can provide more detail on a property’s sales history, owner disclosures, and taxes.

When you become a client of Pemberton Holmes, you can receive information on other important factors such as taxes, utility costs, school, and recreation services that could influence your decision to buy a home in a particular area.

To save time, you may want to receive a regular email with new listings that suit to your preferences. If you see something you like, it’s an opportunity to view the home right away. Ask your REALTOR® for more information on our Oak Bay home buyer services.

When you’re ready to make an offer, your Pemberton Holmes REALTOR® will write a sales contract that is attractive to the seller without compromising protection for your interests. An offer to purchase shows the seller the price, terms, and conditions that are most favourable to you with an invitation to respond or accept.

Price negotiation is a skill that REALTORS® develop through training and practice. It’s an interdisciplinary skill that involves assessing overall value by examining condition, location, and comparable property sales.

Your REALTOR® is required by law to act with fiduciary duty. It’s the highest standard of care in a professional relationship and it means that we’re looking out for your best interests each step of the way. When you buy a home with Pemberton Holmes, you’ll receive the highest standard of representation in the industry.

Once the sales contract is approved by both parties, the next step is due diligence to make sure you’re getting the asset you’re paying for. A home inspection will reveal condition issues that may influence your decision. The due diligence phase is the last opportunity for a buyer to inspect the property in detail and walk away or renegotiate the price if issues are discovered.

A “clear and marketable” title means that there are no liens or other interests registered against the title for debts or shared ownership with an absentee investor. Your REALTOR® will ensure there are no encumbrances on the title.

Condo buyers will use this opportunity to review strata rules and regulations. Your REALTOR® will help you assess the health of the strata corporation by looking at financial statements and minutes for notices of cost increases or special assessments. You may want to speak with the property manager for additional insight.

The Path to Home Ownership

We offer buyer representation at no cost to you (fees are paid by the seller).

“Is home-ownership right for me?” If you intend to stay in your home for 5-7 years then purchasing may be a smarter financial choice compared to renting. The first step is to see how much you can afford and if it’s the right time to buy. A Pemberton Holmes REALTOR® will help you understand the costs of home-ownership so you can create a budget. If the numbers look good, and you’re ready to make the commitment, then it’s time to start looking at properties.

Pemberton Holmes sales representatives are focused on the client experience. Knowing our clients helps us develop the rapport that reveals deeper needs and wants. We’re collaborative, responsive, and available in real time to address your shifting concerns. You can expect individual attention and 100% loyalty to your best interests. You can also expect social conciousness from our long history of community support and philanthrophy. Our aim is positive growth, change, and experiences for all.

Knowing how much you can afford will help your sales representative find the right property at the right price. Your REALTOR® will suggest speaking with a mortgage specialist before beginning a property search.

A mortgage broker will show you how much you can afford to borrow based on current income, assets, and down payment. A pre-approval will usually have an interest rate that is locked in for 90 days. Self-employed, new to Canada, or just started a new job? Many banks and credit unions have special options for these borrowers. Ask your mortgage specialist for more information.

A checklist of features you like is a helpful way to stay focused. At the top of the list, put the ‘must haves’ and then the ‘nice to have’ features. Transit, schools, and shopping are a few things to consider when choosing location. Your REALTOR® will match your priorities with the homes for sale and invite you to see them in person. Whether you’re looking for something completely finished or in need of some updates, there is a home on the market just for you.

You’ve found the right property for you and your family. The next step is to submit an offer to the seller. Most first offers are returned with changes made to the conditions and price as a counter-offer.

There will include a number of conditions that must be met before it is finalized. A home inspection and financing are two common clauses that your REALTOR® will include in every offer.

Once an offer is accepted, the buyer and seller have a predetermined deadline to complete repairs, obtain inspections, and secure financing. Your Pemberton Holmes REALTOR® will be in constant contact to guide you through this process so everything is done correctly and on time. When conditions are removed and the offer is firm, it’s time to contact your family lawyer and make arrangements to withdraw funds from yuor RRSP or TFSA, if necessary (it can take 5-10 days to process a withdrawal).

If you want to buy a home in Oak Bay, or are thinking of purchasing a home anywhere on Vancouver Island or the Gulf Islands and would like to use our home buyer services, please email us or call us at 1-800-665-5303. We will be happy to introduce you to a real estate professional in your preferred area.

Vancouver Island Homes for Sale

View all the current MLS® listings in one convenient and searchable map tool. Click through the listings to see property details, multi-media, and request more information.

Oceanfront and Lake Homes for Sale

Are you looking for your dream home? Browse these waterfront listings for some of the most exclusive real estate on Vancouver Island. Enjoy prestige, location, and a lasting investment for your family.

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Contact Pemberton Holmes to help you buy a home in Oak Bay

Home Buyer Services

  • Access to all MLS® listings

  • Over 300 buyer agents on staff

  • Offices in major towns and cities on Vancouver Island

  • Friendly service by licensed professionals

  • Unsurpassed knowledge of local markets

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Buy your next home with Pemberton Holmes in Oak Bay Victoria BC
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