Your house buying road-map for success

During the process of buying or selling a home, you’ll unearth many questions and We know how difficult it can be to sift through all of the details in order to find answers that are relevant and meaningful to you.

This page has been designed to help you with those questions and provide you answers.  If you still have questions, please reach out to one of our knowledgeable agents. 

First time buyers

For a limited time only!

Any buyer who purchases a home with Orange Jigsaw Real Estate will receive a rebate once their purchase is complete!

The buyer will be required to enter into a written Service Agreement with Orange Jigsaw Real Estate before the purchase process begins.

Rebates are calculated on the Sale Price of the home purchased.  Rebates will be issued only when the seller offers a Brokerage Commission equal or greater than the commission agreed to by the buyer, in the Buyer Representation Agreement.

BUYER’S CHECKLIST

  • Do your own research
  • Determine your Price Range
  • Get Mortgage Pre-Approval
  • Contract a REALTOR®
  • Select the a Perfect Home
  • Make an offer and negotiate a contract 
  • Get the home checked out and ensure financing is in place
  • If all works out as planned, move in, and enjoy home ownership
Buyer Testimonials

Barry used his photographic skill and writing abilities to showcase our home in a way not seen in this area which resulted in many parties accessing the home. Barry was accessible at any time I had a question and went well in excess of what was required of himself in looking after this listing. I will definitely be asking him to accompany ,with his excellent service, in future sales

Murray Hamer

Seller

Orange Jigsaw realty provides a variety of services that allows for sellers saving on commission that others realtors doesn’t even know about. Barry was very helpful to us even though we opted for limited services in selling our home. He was always a phone call away whenever needed. Will definitely recommend anyone looking to buy or sell.

Rizwan

Seller - by owner

We use Barry exclusively for our real estate needs for 3 properties. He is very thorough, highly professional, an extremely good negotiator, and creative in his approach to getting the deal done. I cannot say enough good things about Barry and his Team. Highly recommended without any reservation!

Rob Bauhuis

Buyer and Seller

Barry met us to show the property very promptly upon request, and was not misleading or dishonest. He took the time to thoroughly explain all the details of the transaction, to help us understand every aspect of the purchase. We felt comfortable with him as our buying agent, even though he also represented the seller, because we got the impression he truly had everyone’s best interests in mind. We would hire him again.

Keith

Seller

Barry was so courteous and helpful, great photographer and spot on what our house would get in the market at that time, we would definitely recommend him and his staff to neighbors and friends, kudos to all the staff and especially Barry, great job, our house sold in just 13 days, couldn’t be happier !!!! we have moved from Medicine Hat to Nova Scotia, we are happy campers all around. rated 10 out of 10, very informative, they were full of advice on how to handle everything from open house to closure, 👍👍😁

Chris and Ellen Murray

Seller (by Owner)

Barry’s passion is the real estate business and it shows, he enjoys helping people and knows the market and how to negotiate in the best interest of his client. I had complete trust in him.

Bill Keller

Buyer

Barry is a fantastic realtor. He is very professional and very knowledgeable about the market. He has made suggestions and advice that we never thought of, looking out for our best interests. I highly recommend Barry and his firm for all real estate needs.

Tat Ng

Buyer

Barry is the best Realtor I’ve ever worked with. Also all around a great human being. He has a very high iq of contract law. I promise you will not be disappointed. Go with him!

Scott M

Seller (by Owner) and Buyer

My husband found Barry’s contact on the window of one of commercial buildings. He called Barry and enquired about it. Later on, I needed to sell our commercial building and we decided to use Barry as my husband felt he was the right to go for. From the beginning to the end, Barry had performed we would say “one of the best we ever found from the realtors”. He professionally provided good advices with polite manner. His knowledge in property and market situation was superb. In the end, we even sold our property higher price than what we planned. BARRY IS FANTASTIC AS A PERSON AND EXCELLENT AS A REALTOR !!!

Rattana Meesri

Seller

Barry Duffield is always respectful, caring, and looks out for our best interests. He is very knowledgeable and has high integrity and is someone I would and have recommended highly!

 

Joni Chyzyk

Buyer and Seller

Financing your purchase. 

Ensuring that you are able to fund your purchase before you start your search for a property is extremely important.

There are multiple options to get this ball rolling, which include banks, mortgage brokers and other lenders.  It’ a good idea to approach a number of different lenders so that you can compare what they are prepared to offer.

Many mortgage brokers will be able to pre-approve you for an amount that you can afford.  This figure is derived from a Total/Gross Debt Service Ratio (TDSR/GDSR) which is calculated from applying your total/gross debt and displaying as a proportion of your income.  The Government mandate maximum percentages for TDSR and GDSR which restrict the amount lenders can front.

A conventional mortgage is where you front 20% of the home purchase price and the lender will front 80%.  If you are unable to front the 20%, the lender can still partake, however, the government require you to insure the entire loan.  This loan is built into your mortgage.  There are a few insurers that can help with this; CMHC, Genworth and Canada Guaranty.

Throughout the buying process, you are protected by the BC Finance Services Authority (BCFSA)

Understanding this will give you the confidence to allow Orange Jigsaw Real Estate to look after your best interests for your purchase.

BRITISH COLUMBIA FINANCE SERVICES AUTHORITY

Consumer Protection

BCFSA protects the rights of British Columbians by promoting high standards of market conduct within the financial services sectors they regulate. As a modern, effective, and efficient regulator, they are committed to providing oversight that ensures fair, transparent processes that benefit the public. They provide the information and guidance necessary to enable industry participants to comply with legislative requirements and best practices.

You can learn more about their approach to regulation and how they are working to improve regulatory effectiveness.

BCFSA
BCFSA
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