Investor · Structure
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.
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
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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