Your homebuying team: who does what, and when to involve them
You do not need to become an expert in mortgages, contracts and insurance to buy a home. You need the right people around you, with clear responsibilities. Here is how your team fits together.
Matt: your mortgage broker
Matt helps you understand what you may qualify for, compare available lending options and prepare the application. A good mortgage decision considers payment comfort, flexibility, penalties and future plans—not simply the lowest advertised rate. Broker access and lender offerings vary; no broker represents every lender.
- Before you shop: discuss income, down payment, debts and a comfortable budget.
- Before removing a financing condition: confirm the lender’s property and borrower requirements, not just your pre-approval.
- Before completion: keep Matt informed about employment, credit, funds and contract changes.
Your real estate professional
Your agent helps with the property search, offer strategy, contract dates and negotiations. Ask them to explain the agency agreement, who pays what fees and any buyer obligations before you sign. They coordinate property-side questions; they do not replace lender approval.
Inspector and appraiser: different jobs
A home inspector assesses the condition of accessible parts of the property and identifies concerns within the scope of the inspection. An appraisal estimates value for the lender’s purposes. Neither guarantees the property has no defects. If the appraised value is lower than expected, contact Matt before assuming your financing is unchanged.
Your BC lawyer or notary
In British Columbia, a qualified lawyer or notary can handle many residential conveyances. They review title, prepare registration and closing documents, arrange funds and explain legal obligations within their scope. Complex legal issues may require a lawyer. Choose your professional early and ask for a written estimate including taxes and disbursements.
Insurance and specialist advice
Arrange property insurance early. A strata purchase, unusual property, renovation or new build may need extra review. Surveyors, contractors, accountants and other specialists join your team when the property or your circumstances call for them; a new survey is not automatically needed on every purchase.
- Share your signed contract and deadlines with the people who need them.
- Ask who owns each outstanding task and when it must be completed.
- Keep one list of contacts so a last-minute question reaches the right person.
Let’s make this personal
Tell Matt what matters most to you, and what feels unclear. We can help you work through the mortgage side of the decision and coordinate the next steps with your other professionals. Email matt.parker@indimortgage.ca or call 778.897.2554.
General Canadian mortgage guidance with British Columbia context; reviewed October 16, 2026. Your lender’s written requirements, mortgage contract and professional legal or tax advice take priority.