Statistics Canada, Census 2021. Figures reflect the broader census subdivision.
The Power of 10 Years
The market changes. Your price doesn't.
$
%
32%
Lowest growth
50%
Conservative growth
98%
Average growth
130%
High growth
Lowest growth (32%)BC worst decade in 80 years: 1994-2004
Conservative growth (50%)1954-1964
Average growth (98%)Average decade growth over 1946-2026, BCREA
High growth (130%)Example: 2004-2014, 1974-1984
Enter historical market growth rates to see how the market can change, while your price stays locked. Historical data illustrates how time in market growth changes property value which could help cover 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-
Illustration of how a fixed price could change your outcome 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.
Monthly occupancy payment
Mortgage helper income
Suite income
$1,800/mo
Suite type
1 bed, 1 bath
Self-contained
Bedrooms
Bathrooms
Region
PathwayYear 10 transition
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