Statistics Canada, Census 2021. Figures reflect the broader census subdivision.
Discover the area
The Power of 10 Years
The market changes. Your price doesn't.
$
%
32%
BC worst decade
50%
Conservative
98%
BCREA avg
140%
High growth
Enter your appreciation rate above to see how market growth covers your down payment.
If you wait
Market price at Year 10
-
YearMarket price
Year 1-
Year 3-
Year 5-
Year 7-
Year 10-
VS.
IGVhope pathway
Your locked price at Year 10
-
YearYour price
Year 1-
Year 3-
Year 5-
Year 7-
Year 10-
Your price protection saving at Year 10
-
Your mortgage at Year 10
At Year 10 you transition to a conventional mortgage at your locked purchase price, not the market rate. Calculations assume a 20% down payment, 25-year amortization, and monthly payments. Here's what that looks like.
2%8%
If you wait
Market price at Year 10
-
CostAmount
Down payment needed-
Your new monthly mortgage cost-
Debt % still owing on your home-
Cash needed upfront-
VS.
IGVhope pathway
Your locked price at Year 10
-
CostAmount
Down payment covered-
Your new monthly mortgage cost-
Debt % still owing on your home-
Monthly saving vs waiting-
-
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Enter home ownership from a position of strength. Not when you're financially stretched.
BCREA / Statistics Canada. Market appreciation is illustrative. Mortgage estimates assume Canadian semi-annual compounding. Consult a licensed mortgage professional. These figures are estimates based on historical market data and general economic trends. IGVhope does not guarantee future market performance or property appreciation. All real estate investment carries risk, and outcomes may differ materially from projections. This calculator is provided for illustrative purposes only and does not constitute financial, legal, or investment advice. You should consult a licensed mortgage professional, financial advisor, and independent legal counsel before making any property or investment decision.