Straight answers, no hedging.

John and Gurwinder Gill are a married REALTOR® team working with eXp Realty in British Columbia. They spent roughly twenty years investing in Lower Mainland property — resale purchases, presales and assignments, and ground-up builds — before being licensed as REALTORS®. They represent buyers and sellers across Surrey, White Rock, Delta, Langley and Greater Vancouver, and can be reached at 604.785.0071.

Surrey, White Rock, Delta, Langley, Cloverdale, Abbotsford and Chilliwack in the Fraser Valley, plus Vancouver, Burnaby, Richmond, Coquitlam, New Westminster and Maple Ridge in Metro Vancouver. If you are outside those areas we will happily refer you to a REALTOR® we trust rather than take a listing we cannot service properly.

In most residential resale transactions in British Columbia the seller's listing agreement provides for the compensation paid to the cooperating brokerage representing the buyer. Buyer representation agreements set out exactly what is owed and by whom, and we will walk through that document with you in full before you sign anything. Ask us for the specifics on any property you are considering — we will never leave you guessing what a transaction costs you.

Commission in British Columbia is always set out in writing in the listing agreement before your home goes on the market. What it covers varies enormously between agents, so ask any REALTOR® you interview what is included — professional photography, floor plans, staging consultation, print, paid digital advertising — rather than comparing percentages alone. We will give you our number and exactly what it buys at the first meeting.

Yes. We work with clients in English, Punjabi and Hindi, which matters in a lot of Surrey and Delta households where the decision is being made across three generations.

No. A home valuation is free and carries no obligation. We prepare it by hand from recent comparable sales rather than running an automated estimate, and we will tell you honestly if now is not a good time for you to sell.

Usually within a few hours, and always the same day during business hours. You will hear from John or Gurwinder directly — there is no call centre, no assistant screening your call, and no lead being sold to another agent. Call or text 604.785.0071.

A portion of every commission we earn is donated to the BC Cancer Foundation. It is not a marketing line — it is personal to us, and it is part of why we do this work.

It depends on the purchase price, and the federal tiers move — the threshold above which mortgage default insurance stops being available was raised as recently as 2024. Rather than publish a number that may be out of date by the time you read it, we will introduce you to a mortgage broker who can tell you exactly what applies to your price range. Your lender may also ask for more than the federal minimum depending on the property and your file.

Plan for roughly 1.5% to 4% of the purchase price in closing costs. That covers legal or notary fees, property transfer tax where it applies, a home inspection, title insurance, appraisal, and adjustments for prepaid property taxes or strata fees. On a newly built home there is also GST on the purchase price, which resale homes do not attract — a difference large enough to change which properties are actually in your budget. First-time buyers in BC may qualify for property transfer tax relief and the GST rebate — thresholds change, so confirm the current rules before you budget around them.

Yes — on essentially every resale purchase. An inspection typically costs a few hundred dollars and can uncover issues that are far more expensive to deal with later.

Read the full document package before removing subjects: two years of minutes, the depreciation report, the contingency reserve fund balance, the current budget, any special levies passed or being discussed, the bylaws, and the Form B. A well-run building with a healthy reserve is worth more than a nicer unit in a building facing an envelope levy.