{"id":833,"date":"2026-08-12T13:21:41","date_gmt":"2026-08-12T17:21:41","guid":{"rendered":"https:\/\/www.victorianewhomesgroup.com\/blog\/?p=833"},"modified":"2026-08-12T13:21:41","modified_gmt":"2026-08-12T17:21:41","slug":"the-presale-price-isnt-the-whole-price-9-numbers-victoria-bc-buyers-should-compare-before-choosing-a-new-home","status":"publish","type":"post","link":"https:\/\/www.victorianewhomesgroup.com\/blog\/2026\/08\/12\/the-presale-price-isnt-the-whole-price-9-numbers-victoria-bc-buyers-should-compare-before-choosing-a-new-home\/","title":{"rendered":"The Presale Price Isn\u2019t the Whole Price: 9 Numbers Victoria BC Buyers Should Compare Before Choosing a New Home"},"content":{"rendered":"

Buying a presale home in Victoria, BC often starts with one number: the advertised purchase price<\/strong>.<\/p>\n

A condo is listed at $649,900. A townhome is $799,900. Another development offers a similar-sized home for $829,900.<\/p>\n

At first glance, the decision seems simple.<\/p>\n

But presale buyers are not really comparing prices. They are comparing the total financial picture of a home that does not exist yet<\/strong>.<\/p>\n

That means the smartest question is not simply, \u201cWhich presale is cheaper?\u201d<\/em><\/p>\n

It is:<\/p>\n

\u201cWhich property gives me the best overall value for the money I will actually spend?\u201d<\/strong><\/p>\n

For buyers considering new construction in Victoria, Langford, Colwood, Saanich, and other parts of Greater Victoria, here are nine numbers worth comparing before choosing a presale.<\/p>\n

1. The Purchase Price<\/h2>\n

Start with the obvious number, but do not stop here.<\/p>\n

The purchase price gives you the initial comparison between properties. However, two homes with similar prices can have very different layouts, parking arrangements, storage, finishes, monthly costs, and long-term value.<\/p>\n

For example:<\/p>\n

    \n
  • Home A: $699,900<\/li>\n
  • Home B: $719,900<\/li>\n<\/ul>\n

    The $20,000 difference may look significant until you discover that Home B includes features that you would otherwise need to purchase separately.<\/p>\n

    The purchase price is your starting point, not your final answer.<\/strong><\/p>\n

    2. The Price Per Square Foot<\/h2>\n

    Price per square foot can be useful when comparing similar properties within the same market.<\/p>\n

    A $700,000 condo that offers 900 square feet has a very different value proposition from a $700,000 condo offering 650 square feet.<\/p>\n

    But there is an important warning: price per square foot should never be used by itself.<\/strong><\/p>\n

    A smaller home with a highly functional layout can sometimes be more desirable than a larger home with wasted space. Outdoor space, views, parking, storage, ceiling height, orientation, and floor level can also influence value.<\/p>\n

    Think of price per square foot as a comparison tool<\/strong>, not a valuation formula.<\/p>\n

    3. Your Actual Deposit Schedule<\/h2>\n

    A presale deposit is not necessarily one large payment.<\/p>\n

    Developers may structure deposits across several dates or construction milestones. The exact schedule depends on the development and purchase agreement.<\/p>\n

    BCFSA notes that presale buyers may be required to make an initial deposit and additional deposits according to the schedule established in the contract.<\/p>\n

    That means you should calculate:<\/p>\n

    How much cash will I need, and when will I need it?<\/strong><\/p>\n

    A $750,000 home with a manageable deposit schedule could potentially fit your financial plan better than a $700,000 home requiring substantially more cash earlier.<\/p>\n

    The timing matters just as much as the total.<\/p>\n

    4. The Estimated Monthly Strata Fee<\/h2>\n

    For a condo or townhouse, the advertised price does not tell you what it will cost to own the property each month.<\/p>\n

    Look closely at the estimated strata fee.<\/p>\n

    BCFSA specifically identifies estimated strata fees as information buyers should review in the disclosure statement.<\/p>\n

    Two similarly priced homes can have very different monthly carrying costs.<\/p>\n

    When comparing developments, consider:<\/p>\n

      \n
    • Estimated strata fee<\/li>\n
    • What the fee includes<\/li>\n
    • Amenities<\/li>\n
    • Building size<\/li>\n
    • Common-area maintenance<\/li>\n
    • Parking and storage arrangements<\/li>\n
    • Whether the estimate is likely to change as the project moves toward completion<\/li>\n<\/ul>\n

      The lowest strata fee is not automatically the best choice. The goal is to understand what you are paying for<\/strong>.<\/p>\n

      5. The Cost of Parking and Storage<\/h2>\n

      This is one of the easiest numbers to overlook.<\/p>\n

      Some developments include parking and storage. Others may sell them separately, while some units may not have them at all.<\/p>\n

      That can change the real cost of ownership.<\/p>\n

      For example, if two condos have the same advertised price but one includes parking and storage while the other requires additional purchases, their effective prices are not really the same.<\/p>\n

      For Victoria buyers, especially those considering a vehicle-dependent lifestyle outside the downtown core, parking can be an important part of the property’s practical value.<\/p>\n

      Ask:<\/p>\n

      \u201cWhat exactly comes with this purchase price?\u201d<\/strong><\/p>\n

      6. The Upgrade Budget<\/h2>\n

      The showroom is designed to make you imagine the finished home.<\/p>\n

      And that is exactly why buyers should separate what is included<\/strong> from what they want to add<\/strong>.<\/p>\n

      Upgrades can include:<\/p>\n

        \n
      • Flooring<\/li>\n
      • Countertops<\/li>\n
      • Cabinetry<\/li>\n
      • Lighting<\/li>\n
      • Appliances<\/li>\n
      • Bathroom finishes<\/li>\n
      • Electrical options<\/li>\n
      • Built-in features<\/li>\n<\/ul>\n

        A home advertised at one price can become considerably more expensive once optional upgrades are selected.<\/p>\n

        Before falling in love with a presentation suite, establish a realistic upgrade budget.<\/p>\n

        That way, you are comparing homes based on what you can actually afford rather than what the display suite makes possible.<\/p>\n

        7. The Closing-Cost Number<\/h2>\n

        The purchase price is not the only amount due when your presale completes.<\/p>\n

        Your closing costs may include items such as legal or notary fees, adjustments, taxes where applicable, and GST considerations depending on the property and your circumstances.<\/p>\n

        For presale buyers, it is especially important to understand these costs well before completion rather than treating them as a last-minute expense.<\/p>\n

        BCFSA recommends that buyers obtain professional advice and carefully review their purchase agreement and disclosure statement before committing to a presale.<\/p>\n

        A useful question to ask early is:<\/p>\n

        \u201cHow much cash should I realistically have available on completion day?\u201d<\/strong><\/p>\n

        8. The Time-to-Completion Number<\/h2>\n

        This is where presales become different from traditional resale purchases.<\/p>\n

        You are not simply buying a home. You are buying a home plus a future timeline<\/strong>.<\/p>\n

        The estimated completion date matters because your circumstances could change between the day you sign and the day you receive the keys.<\/p>\n

        You might:<\/p>\n

          \n
        • Continue renting<\/li>\n
        • Sell another property<\/li>\n
        • Change jobs<\/li>\n
        • Have a change in income<\/li>\n
        • Need to renew existing financing<\/li>\n
        • Experience changes in mortgage qualification<\/li>\n
        • Need to adjust your moving plans<\/li>\n<\/ul>\n

          BCFSA identifies construction delays as one of the risks associated with presale purchases and recommends that buyers understand the contractual provisions surrounding completion.<\/p>\n

          Instead of asking only, \u201cWhen will it be finished?\u201d<\/em>, ask:<\/p>\n

          \u201cWhat is my financial plan if completion happens earlier or later than expected?\u201d<\/strong><\/p>\n

          That is a much more useful presale question.<\/p>\n

          9. The \u201cAll-In\u201d Cost<\/h2>\n

          Finally, put everything together.<\/p>\n

          When comparing two presale properties in Victoria, create your own simple calculation:<\/p>\n

          **Purchase price<\/p>\n

            \n
          • parking\/storage<\/li>\n
          • upgrades<\/li>\n
          • estimated closing costs<\/li>\n
          • other purchase-related expenses
            \n= estimated all-in cost**<\/li>\n<\/ul>\n

            Then compare that number with the features and long-term usefulness of each property.<\/p>\n

            This can completely change the way you look at a presale.<\/p>\n

            A property that appears more expensive at first may actually offer better overall value. Conversely, a property that looks like a bargain may become much less attractive after additional costs are considered.<\/p>\n

            The Number Most Buyers Forget: Flexibility<\/h2>\n

            There is one more factor that does not fit neatly into a dollar figure: flexibility<\/strong>.<\/p>\n

            What happens if your plans change?<\/p>\n

            Before purchasing a presale, review the contract’s provisions regarding assignments, completion, deposits, and cancellation. BCFSA notes that assignment rights depend on the presale contract and that buyers should carefully review the disclosure statement and obtain professional advice before entering into an assignment agreement.<\/p>\n

            A presale purchase should fit not only your finances today, but also your realistic plans for the years ahead.<\/p>\n

            How Colleen Ferguson Helps Victoria Buyers Compare Presales<\/h2>\n

            This is where having a presale-focused real estate professional can make a meaningful difference.<\/p>\n

            Colleen Ferguson<\/strong> specializes in new construction and presale real estate and brings extensive experience working with buyers navigating developments before completion. Her approach is not simply about finding a development with an attractive price. It is about helping buyers understand the details behind the opportunity.<\/p>\n

            For buyers working with Victoria New Homes<\/strong>, that means looking beyond the brochure and asking practical questions about the unit, development, contract, deposit structure, timeline, and overall value.<\/p>\n

            A presale should never be judged by its headline price alone.<\/p>\n

            The Bottom Line for Presale Buyers in Victoria BC<\/h2>\n

            When comparing presale homes in Victoria, do not put two floorplans side by side and ask which one costs less.<\/p>\n

            Put the whole ownership picture<\/strong> side by side.<\/p>\n

            Compare:<\/p>\n

              \n
            1. Purchase price<\/li>\n
            2. Price per square foot<\/li>\n
            3. Deposit schedule<\/li>\n
            4. Estimated strata fees<\/li>\n
            5. Parking and storage<\/li>\n
            6. Upgrade costs<\/li>\n
            7. Closing costs<\/li>\n
            8. Completion timeline<\/li>\n
            9. All-in cost<\/li>\n<\/ol>\n

              Then consider the lifestyle, location, floorplan, developer, and long-term suitability of each property.<\/p>\n

              That approach can help turn a presale purchase from a decision based on an attractive brochure into a decision based on real numbers and informed expectations<\/strong>.<\/p>\n

              If you are exploring presale condos, townhomes, or new construction homes in Victoria BC and Greater Victoria<\/strong>, Colleen Ferguson and Victoria New Homes can help you understand what is behind the price before you commit.<\/p>\n

              Ready to compare your next Victoria presale opportunity? Contact Colleen Ferguson to discuss upcoming new developments and find a property that fits your goals.<\/strong><\/p>\n

              This article is for general information only and is not legal, tax, mortgage, or financial advice. Presale contracts and disclosure statements are legally binding documents. Buyers should obtain independent professional advice before signing.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

              Buying a presale home in Victoria, BC often starts with one number: the advertised purchase price. A condo is listed at $649,900. A townhome is $799,900. …<\/p>\n","protected":false},"author":2,"featured_media":834,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33],"tags":[196],"class_list":["post-833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homebuying-tips","tag-victoriabcrealestate-presalevictoriabc-presalehomesvictoria-newconstructionvictoria-victoriabchomes-greatervictoriarealestate-presalecondo-colleenferguson-victorianewhomes"],"yoast_head":"\nThe Presale Price Isn\u2019t the Whole Price: 9 Numbers Victoria BC Buyers Should Compare Before Choosing a New Home - Victoria Real Estate Updates and Trends<\/title>\n<meta name=\"description\" content=\"Buying a presale in Victoria BC? 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