Surrey, BC
Find your perfect realtor match in Surrey
Get honest answers about buying or selling a home in Surrey. Ask anything — mortgages, neighbourhoods, closing costs, capital gains — and connect with a vetted local agent when you're ready. Completely free, no obligation.
Why use Agent For You in Surrey?
Local knowledge, delivered instantly
BC's fastest-growing city
Surrey is one of the fastest-growing cities in British Columbia, with expanding residential areas, new transit infrastructure like the Surrey-Langley SkyTrain, and a wide range of housing options from condos to detached homes.
28 unique neighbourhoods
From the coastal charm of South Surrey and White Rock to the family-friendly streets of Cloverdale and Fleetwood, Surrey offers 28 distinct neighbourhoods. We'll help you understand the differences and find the right fit.
More home for your budget
Compared to Vancouver proper, Surrey offers more space and value. Whether you're a first-time buyer looking at townhomes in Newton or a family seeking a detached home in Morgan Creek, your budget goes further here.
Quick facts for Surrey buyers
Key numbers to know before you start
Minimum down payment
5%
For homes under $500K. Between $500K–$1M, it's 5% on the first $500K and 10% on the rest. Over $1M requires 20%.
Mortgage insurance (CMHC)
2.8–4.0%
Required when your down payment is under 20%. Premium ranges from 2.8% (15% down) to 4.0% (5% down) of your mortgage amount.
Stress test rate
Rate + 2%
All buyers must qualify at their contract rate plus 2%, or the Bank of Canada benchmark — whichever is higher.
Max amortization
25–30 yrs
Standard maximum is 25 years. First-time buyers or new construction buyers may qualify for up to 30 years.
Property taxes
0.5–1.5%
Annual property tax in BC typically ranges from 0.5% to 1.5% of assessed value. The Home Owner Grant can reduce this.
Capital gains inclusion
50%
Only 50% of capital gains are taxable in Canada. Your principal residence is typically exempt entirely.
Featured listings in Surrey
Browse current properties on the market
Popular areas in Greater Surrey
Ask us about any neighbourhood — we can help you compare
South Surrey
Coastal charm near White Rock. Premium homes, top schools, and a relaxed seaside lifestyle.
Cloverdale
Historic small-town feel with modern amenities. Family-friendly with great community events.
Fleetwood
Excellent schools and community parks. Popular with families, close to transit and highways.
Newton
Diverse housing options from condos to detached homes. Central location with urban amenities.
Clayton
One of Surrey's newest communities. Modern townhomes, young families, and rapid growth.
Guildford
Established neighbourhood with great shopping, dining, and easy highway access.
Morgan Creek
Upscale community with large lots, golf course, and proximity to South Surrey amenities.
Whalley / City Centre
Undergoing major redevelopment. Urban living with SkyTrain access and growing condo market.
Common questions about Surrey real estate
Click any question to get an instant answer
What are the best neighbourhoods in Surrey for families?
Cloverdale, Fleetwood, South Surrey & more
How much down payment do I need in Surrey?
5%, 10%, or 20% — it depends on the price
Is South Surrey a good investment?
South Surrey, White Rock & Morgan Creek
How will the SkyTrain affect Surrey home prices?
Transit expansion & property values
What are closing costs in BC?
Property transfer tax, legal fees & more
Do I qualify for the First Time Home Buyers' Program?
Tax exemptions, FHSA & grants
Should I buy a townhouse or detached home?
Compare property types in Surrey
How do I find a good agent in Surrey?
What to look for in a realtor
Agents you can trust
We work with top-performing realtors across Greater Surrey
Proven track record
Our partner agents maintain top performance metrics in Surrey and the Fraser Valley with consistent results and exceptional client feedback across all regions of British Columbia.
Verified and vetted
Every agent is personally interviewed and monitored for ongoing performance. They carry years of experience in their specialized areas across Surrey and the Lower Mainland.
No cost to you
Our service is completely free. Partner agents pay a referral fee only when a transaction successfully closes. You're never under any obligation — you're free to interview agents and decide if they're the right fit.
How it works
Ask your question
Type any question about buying or selling a home in Surrey. No account needed. Mortgages, neighbourhoods, closing costs, the process — anything you want to know.
Get a helpful answer
Our AI assistant gives you clear, honest information about the Surrey market. Take your time — there's no rush and no pressure to move forward.
Connect when you're ready
Only when you decide you want to work with an agent, we'll introduce you to a vetted Surrey professional who fits your needs. There's no obligation — you're free to interview them and decide if they're the right fit.
Ready to explore Surrey real estate?
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