{"id":295090,"date":"2023-10-26T15:43:23","date_gmt":"2023-10-26T15:43:23","guid":{"rendered":"https:\/\/wahi.com\/ca\/en\/?p=295090"},"modified":"2025-12-19T10:30:03","modified_gmt":"2025-12-19T15:30:03","slug":"7-steps-to-buying-land-in-british-columbia","status":"publish","type":"post","link":"https:\/\/wahi.com\/ca\/en\/learning-centre\/real-estate-101\/buy\/7-steps-buying-land-british-columbia\/","title":{"rendered":"7 Steps to Buying Land in British Columbia"},"content":{"rendered":"

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If you\u2019re interested in buying land to build your dream home on, familiarize yourself with these strategies to help ensure a successful purchase.<\/span><\/p>\n

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By Emily Southey<\/a>\u00a0<\/span>| 3 minute read<\/p>\n

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A vacant lot represents all kinds of possibilities. Whether you want to build a winterized chalet in Kamloops or your forever home in Langley<\/a>, buying land affords many options. Keep reading for a step-by-step guide to buying land in British Columbia.
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1. Search for Land for Sale\u00a0<\/b><\/h2>\n

The first step to buying land, just as it is if you want to buy a home, is to search for available land in your preferred area. You can find this information online (a REALTOR\u00ae can also help you). However, we also recommend driving around the parts of the province you are interested in to see first-hand if there are any empty plots of land available.<\/span><\/span>\u00a0<\/span><\/p>\n

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2. Don’t Skimp on Research\u00a0<\/b><\/h2>\n

\u00a0Buying land requires ample research; the process is not nearly as simple as buying a home. Just because you find vacant land doesn\u2019t automatically mean that you can build a house on it. You will need to spend time researching the precise plot of land to determine if it\u2019s zoned residential, which it needs to be for you to build a home on it. You should also have a professional survey and test the land to ensure it\u2019s safe to build on.<\/span><\/span><\/p>\n

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3. Obtain a Loan (if Applicable)\u00a0\u00a0<\/b><\/h2>\n

Odds are you will need some financial help if you are buying a piece of land, whether it\u2019s in Kelowna<\/a>, Port Moody or anywhere else in the province. To do this, you will likely need to obtain some kind of land loan. Mortgage lenders and banks offer land loans that are similar to regular mortgages. The main difference is that mortgage lenders tend to agree that buying land is riskier than buying a resale home. As such, the interest rates attached to your loan are likely to be much higher. The lender may also require you to make a larger down payment than you would have to for a home (sometimes as high as 50% of the purchase price).\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

The reality is that terms and conditions for land loans vary greatly between lenders. If the terms offered to you by traditional mortgage lenders seem unreasonable, you may wish to consider working with a mortgage broker or going through a private lender. Regardless, obtaining a mortgage loan to help you fund your land purchase is an essential step of the land-buying process for most buyers.<\/span><\/p>\n

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