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Facts on Home Ownership

Understanding BC Assessments: What They Are, Why They Matter, and When You Can Appeal

Posted on Nov 27, 2025 in Facts on Home Ownership


By Janine Thomson - Victoria Realtor | Pemberton Holmes

January, homeowners across British Columbia receive their BC Assessment notice — a document that often sparks curiosity, confusion, and sometimes concern. But what exactly is a BC Assessment? How is it done, who completes it, and why does it matter? As a real estate professional, I often remind...

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Understanding Vermiculite and Asbestos in BC Homes: What Homeowners Need to Know 

Posted on Oct 11, 2025 in Facts on Home Ownership


Many older homes in British Columbia — particularly those built before the 1990s — may contain vermiculite insulation or other materials that include asbestos. While these were once considered innovative building materials, today they pose serious health and insurance challenges for homeowners and buyers alike.If you’re purchasing, selling, or reno...

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Smart Strategies for Buying or Selling a Home in Victoria in Today’s Market 

Posted on Aug 28, 2025 in Facts on Home Ownership



By Janine Thomson - Victoria Realtor | Pemberton Holmes

With Victoria’s real estate market evolving, buyers and sellers need strategies tailored to today’s conditions. Whether you’re purchasing your first condo or selling a family home, success comes down to timing, preparation, and knowledge of local regulations.

For Buyers in Victoria

  1. Get Pre-Approv...

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Understanding the Different Types of Land Ownership in Real Estate 

Posted on Aug 13, 2025 in Facts on Home Ownership


By Janine Thomson - Victoria Realtor | Pemberton Holmes

When buying or selling property, understanding the various types of land ownership is crucial. The type of ownership affects your rights, responsibilities, and how the property can be used or transferred. In this blog, we’ll break down the most common types of land ownership you’ll encounter in...

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Understanding the Different Types of Land Ownership in Real Estate 

Posted on Apr 01, 2025 in Facts on Home Ownership

By Janine Thomson - Victoria Realtor | Pemberton Holmes

When buying or selling property, understanding the various types of land ownership is crucial. The type of ownership affects your rights, responsibilities, and how the property can be used or transferred. In this blog, we’ll break down the most common types of land ownership you’ll encounter in...

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Mold Management for Homes: Detection, Prevention & Remediation 

Posted on Aug 30, 2024 in Facts on Home Ownership




Mold is a common household problem that can pose significant health risks and cause structural damage if not properly managed. It thrives in damp, warm environments, making homes susceptible to its growth, particularly in areas with high humidity. Understanding how to prevent, detect, and clean up mold is crucial for maintaining a healthy living en...

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What to do with a Hidden Underground Oil Tank on Your Property

Posted on Aug 30, 2024 in Facts on Home Ownership




Old underground oil tanks are a hidden legacy beneath many homes in Victoria, BC. Installed decades ago as a primary method of heating homes, these tanks have since become a source of environmental concern and potential liability for homeowners. This essay explores the history of these tanks, the reasons for their use, the modern imperative to remo...

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The Dangers of Asbestos in Homes 

Posted on Aug 30, 2024 in Facts on Home Ownership




Asbestos was once a widely used building material, valued for its durability, heat resistance, and insulating properties. However, it is now recognized as a significant health hazard, linked to serious illnesses such as lung cancer, asbestosis, and mesothelioma. In Victoria, BC, many older homes may still contain asbestos in various forms, posing p...

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Understanding Latent Defects in a Home 

Posted on Aug 30, 2024 in Facts on Home Ownership




When buying or selling a home, it’s essential to understand the concept of latent defects. These are hidden flaws or issues within a property that are not immediately apparent and may not be discovered during a standard home inspection. In Victoria, BC, the responsibility to disclose latent defects is crucial, and failure to do so can lead to signi...

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Understanding Property Taxes in BC

Posted on Jul 23, 2024 in Facts on Home Ownership


Property taxes are an important aspect of homeownership in British Columbia, including the municipalities in Greater Victoria. Understanding how these taxes are determined, where the funds go, and the available grants and discounts can help homeowners manage their finances more effectively. This guide covers everything you need to know about proper...

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10 Ways to Save on your Heating Bill this Winter

Posted on Jul 03, 2024 in Facts on Home Ownership



As the temperatures drop, heating bills often rise, leading to higher household expenses. However, there are numerous strategies you can implement to reduce your heating costs without sacrificing comfort. Here are ten effective ways to save on your heating bill this winter:

1. Seal Drafts and Insulate

Why It Helps: Prevents warm air from escaping and...

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Where to Expect Mold Issues to Occur and How to Remedy it

Posted on Apr 19, 2024 in Facts on Home Ownership



Mold can thrive in areas of the home where moisture levels are elevated, leading to ideal conditions for mold growth. While mold can potentially develop in any damp environment, certain areas of the home are more prone to mold issues due to their susceptibility to moisture buildup. Here are common areas where you might expect to find mold issues in...

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Hazards of Older Homes 

Posted on Apr 19, 2024 in Facts on Home Ownership


Older homes in Victoria, British Columbia, like in many other regions, may present a range of hazards and challenges due to aging infrastructure, outdated building materials, and construction techniques that may no longer meet modern safety standards. Here are some common hazards associated with older homes in BC:
  1. Lead Paint: Homes built before the...

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Moisture & Mold Issues in the Home 

Posted on Apr 19, 2024 in Facts on Home Ownership



Mold and moisture trapped in homes can pose significant health risks and structural concerns. Here are some of the primary concerns associated with mold and moisture:
  1. Health Risks: Exposure to mold can trigger allergic reactions, exacerbate asthma symptoms, and cause respiratory issues, sinusitis, and other health problems. Certain molds may produce...

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Rebates for home owners in British Columbia  

Posted on Apr 19, 2024 in Facts on Home Ownership


There are several government rebates and incentives made available to homeowners in British Columbia to support energy efficiency upgrades, home renovations, and environmental sustainability initiatives. However, specific rebate programs and eligibility criteria may change over time, so it's essential to check with relevant government agencies or u...

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