# Buying real estate with a corporate structure in BC

> Some BC real estate investors hold property through a corporation rather than personally.

**Source:** https://soldbycraig.ca/buying-with-corporate-structure-bc/  
**Author:** Craig Johnston, REALTOR® (BC Licence V99960) · The MACNABS · Royal LePage Elite West  
**Site:** https://soldbycraig.ca

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Investor · Structure

## Buying real estate with a corporate structure in BC — what investors should know.

Some BC real estate investors hold property through a corporation rather than personally. The decision affects taxes, liability, financing, and the BC Property Transfer Tax. Here's the framework.

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Quick Answer

What should you know about Buying With Corporate Structure Bc?

Some BC real estate investors hold property through a corporation rather than personally. The decision affects taxes, liability, financing, and the BC Property Transfer Tax. Here **Craig Johnston, Top 1% Team Member — Greater Vancouver REALTORS®** and 47+ year Tri-Cities resident, can walk you through the local context. Free Strategy Call ends with a written one-page plan in 24 hours.

Verified · Investor · Structure

## The verified facts.

Property Transfer Tax

Corporate purchases pay the same PTT as individual purchases. Some related-party transfers between a corporation and shareholders may have specific rules.

Foreign buyer additional PTT (20%)

Applies to foreign-controlled corporations purchasing residential in Greater Vancouver including Coquitlam.

Income tax treatment

Rental income at the corporate small-business rate (~12% combined federal+BC for active business income, varies). Passive investment income (rental from arms-length tenants) is taxed differently.

Capital gains in a corporation

Corporate capital gains have different tax treatment than personal — capital dividend account, refundable Part IV tax. Talk to a tax accountant.

Liability protection

Corporate ownership can provide some liability separation from personal assets.

Mortgage financing

Many lenders require personal guarantees from corporate shareholders. Corporate-only mortgages are rare without significant track record.

BC Speculation Tax

Corporations face the same SVT rules; foreign-controlled corporations face the higher 2% rate.

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