What does it cost to sell a Coquitlam home — line by line.

It's written into your listing agreement. BC rules require a listing (service) agreement to state the remuneration that will be paid to a cooperating brokerage, meaning the brokerage working for the buyer. When an offer comes in, your brokerage must also give you a disclosure of the expected remuneration in dollars. That's the only point where the dollar figure has to be shown. GST at 5% applies to the commission you agreed to pay, so ask to see the full amount including GST before you sign anything.

Usually yes. BC charges 7% PST on legal services, and BCFSA lists GST on your legal fees as a selling cost. Your conveyancing quote should show the fee, disbursements and both taxes separately so you can compare quotes properly. The legal work to discharge your mortgage is often billed on the same invoice. PST rules on professional services changed on October 1, 2026, but those changes cover non-residential real estate services, not the sale of a home that's classified as residential.

The province caps the Form B Information Certificate at $35 plus up to 25 cents per page for copies, and the Form F Certificate of Payment at $15. The strata corporation has to provide each one within 7 days of the request. A management company may charge a rush fee if you ask with less than 7 days' notice, so order them early. The Form F is needed to register the transfer at the Land Title Office, so your sale can't complete without it.

Your lender may charge an administration fee on top of any prepayment penalty, and you'll also pay your lawyer or notary for the legal work to discharge the mortgage. FCAC says the penalty is generally the higher of three months' interest or an interest rate differential, and federally regulated lenders must tell you how they calculate it. Ask for a written payout statement with every fee listed well before completion. Don't rely on an estimate from your contract alone. To see your likely net, start with a home evaluation.

Yes. Since the 2016 tax year, you report the sale and your principal residence designation on Schedule 3 of your return for the year you sell. Since 2017 you also complete Form T2091. Leaving it off doesn't save tax. CRA can charge a late-designation penalty of $100 per complete month, to a maximum of $8,000. If the home wasn't your principal residence for every year you owned it, part of the gain may be taxable, so talk to your accountant.

CRA lets you subtract the costs of selling (fixing-up expenses, commissions, legal fees, surveyors' fees and advertising) from your proceeds when you work out the gain. These costs reduce the gain. You can't deduct them from your other income. CRA's guide currently sets the inclusion rate at one-half, so half of the remaining gain is taxable at your marginal rate. Keep the invoices and your completion statement from the sale, because your accountant will need them.

Yes, they're separate rules. Under the federal flipping rule, profit on housing held less than 365 days is generally taxed as business income, with no principal residence exemption, unless a life-event exception applies. The BC home flipping tax, in effect since January 1, 2025, applies to homes held less than 730 days. It's 20% of net taxable income within 365 days and declines to zero at 730. If you owe BC tax or claim certain exemptions, you file a separate return within 90 days of the sale.

Your lawyer or notary splits the year's charges between you and the buyer at the completion date. Tri-Cities utility fees are billed once a year: Coquitlam and Port Coquitlam bills were due March 31, 2026, and Port Moody's were due February 27, 2026. If you've paid for the full year, you can generally expect a credit for the period after completion. If not, the unpaid amount is settled at closing. Bring your paid utility and property tax notices to your lawyer early.

A home equity line of credit is paid out at closing the same way a mortgage is, usually with a small discharge fee. HELOCs don't typically carry prepayment penalties because they're already variable-rate revolving credit. Confirm the discharge process with your lender 30 days before closing.