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Old 07-25-2020, 01:16 AM   #16126
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I'm not sure where you guys are getting the numbers for strata fees, condos are easily $400+ a month for anything bigger than 600sq, all the town houses I've looked at under the $700k price range has strata fees between $200 to $300. And I'm getting something twice the size, more bed rooms, private garage plus lower insurance costs.

Once you get into 2+ bedroom apartments town houses are the way to go.
I'm in a 700sq ft condo in Richmond near Canada Line and I'm paying $260 a month... it was $220 10 years ago... not bad... and we have a full gym/pool/hot tub.

Newer buildings are often going under the Ontario style scheme where they build a massive contingency to pay for repairs rather than trying to do special assessments. Most newer buildings are starting around $300+ now.
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Old 07-25-2020, 06:50 AM   #16127
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Typically 50 cents a square feet is your monthly strata fee for new builds.
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Old 07-25-2020, 09:22 AM   #16128
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I'm in a 700sq ft condo in Richmond near Canada Line and I'm paying $260 a month... it was $220 10 years ago... not bad... and we have a full gym/pool/hot tub.

Newer buildings are often going under the Ontario style scheme where they build a massive contingency to pay for repairs rather than trying to do special assessments. Most newer buildings are starting around $300+ now.
This reminds me of a building in North York where a 900 - 1100 sqft condo goes for $299,000 or so. But monthly fees are $1500/month, and that's on the low end.
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Old 07-25-2020, 12:07 PM   #16129
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What was the premium double worth?
Approximately $40K to $80K for the complex.
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Old 07-25-2020, 01:21 PM   #16130
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I don’t know if Vancouver strata fees are underpriced or Toronto is overpriced but yeah it’s easily double the cost in Toronto. A 550 sq ft 1BR condo typically has about $400-450 in fees. A condo townhouse (probably the worst purchase) is something like $800-900k for a 1000 sq ft 2+1 and the fees will be like $650-700.
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Old 07-25-2020, 01:34 PM   #16131
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We looked at a lot of town homes (albeit ones costing more than $600k).

The main downsides for me was the main living area of a TH is often no bigger than a condo, and that's where you spend most of your time. Only difference is TH bedrooms are upstairs, as opposed to a condo.

In a building where strata fees are charged per sf, you're looking at $600 - $800 per month or more, on average, just for strata fees.

So we stuck with a decent sized condo. Less square footage than a TH, but similar size main living area, and much lower strata fees.
Also depends on how much value you put on garage, storage and outdoor space.

My TH has a 2 car garage and room for 1 car on the driveway, a deck shared by 2 of the bedrooms and a patio off the livingroom, that also connects to the kitchen. There's also 750sqft of crawlspace under the main floor.

I hate the thought of a shared parkade and storage. Bringing groceries from the garage to the kitchen is 20 steps away. Also, no need to worry about noise, since we're setup as a duplex and there's double drywall and an insulated gap, between units.

1600sqft, $250 strata, Citadel Heights, PoCo.
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Old 07-25-2020, 02:07 PM   #16132
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I don’t know if Vancouver strata fees are underpriced or Toronto is overpriced but yeah it’s easily double the cost in Toronto. A 550 sq ft 1BR condo typically has about $400-450 in fees. A condo townhouse (probably the worst purchase) is something like $800-900k for a 1000 sq ft 2+1 and the fees will be like $650-700.
ontario buildings have large contingencies by law

unlike here where the strata can blow your contingencies on stupid shit
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Old 07-25-2020, 03:08 PM   #16133
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Most TH’s in townhouse complexes have significantly lower strata costs per SQ/F then condos.

1350sq/f for me. Double garage, nice patio space. $260ish strata... and since we were talking about home insurance previously, $700 a year, that includes a very substantial coverage for some excessive items. (I couldn’t believe the cost of detached insurance you guys were paying!!)
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Old 07-25-2020, 03:10 PM   #16134
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Most TH’s in townhouse complexes have significantly lower strata costs per SQ/F then condos.

1350sq/f for me. Double garage, nice patio space. $260ish strata... and since we were talking about home
Insurance, $700 a year, that includes a very substantial coverage for some excessive items.
1527sq/f, double garage, nice patio space. $253 strata for me. Surrey, Whalley area
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Old 07-25-2020, 06:24 PM   #16135
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This reminds me of a building in North York where a 900 - 1100 sqft condo goes for $299,000 or so. But monthly fees are $1500/month, and that's on the low end.
That's a cheap condo, link?
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Old 07-28-2020, 11:05 PM   #16136
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Seems to fit the thread.

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Old 07-29-2020, 12:28 PM   #16137
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LOL Dan Pena claims hes' made billions. all these self help gurus... still need to sell you $19.99 courses
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Old 07-29-2020, 12:32 PM   #16138
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1527sq/f, double garage, nice patio space. $253 strata for me. Surrey, Whalley area
kinda wish i went this route too.. bought a presale in burquitlam, already having remorse cause although i'd rather live in burquitlam than whalley, i work in whalley and would have really valued the extra space.
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Old 07-29-2020, 12:34 PM   #16139
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LOL Dan Pena claims hes' made billions. all these self help gurus... still need to sell you $19.99 courses
not $19.99, like $2k for courses or more! totally criminal
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Old 07-29-2020, 12:56 PM   #16140
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not $19.99, like $2k for courses or more! totally criminal
What about this Tom Wang from YouTube about Amazon courses. Only $20 to know the secrets selling on Amazon. Dug around and found out people paid the $20 just so he can sell you a course @$2k. Lol
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Old 07-29-2020, 01:04 PM   #16141
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You mean all the WFG free trips and posting making millions each year is fake?
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Old 07-29-2020, 02:29 PM   #16142
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What about this Tom Wang from YouTube about Amazon courses. Only $20 to know the secrets selling on Amazon. Dug around and found out people paid the $20 just so he can sell you a course @$2k. Lol
Sounds like OnlyFans. Pay $50 so they can sell you a crappy video for $100

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Old 07-29-2020, 04:04 PM   #16143
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I know of friends who've paid $2,495 for his course and felt like they got value because they're in sales. Then there are friends from highschool who work dead end jobs subscribing for $200/mo and calling themselves high ticket closers but haven't made any $$$ in 2 years. They just talk about making a lot of money out of thin air haha. Kinda sad but you feel bad for them.
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Old 07-29-2020, 06:41 PM   #16144
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I know of friends who've paid $2,495 for his course and felt like they got value because they're in sales. Then there are friends from highschool who work dead end jobs subscribing for $200/mo and calling themselves high ticket closers but haven't made any $$$ in 2 years. They just talk about making a lot of money out of thin air haha. Kinda sad but you feel bad for them.
Reminds me of the Ta Ma de, I mean TMD Agency bros.
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Old 07-29-2020, 09:36 PM   #16145
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Sounds like OnlyFans. Pay $50 so they can sell you a crappy video for $100

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Old 07-29-2020, 11:12 PM   #16146
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kinda wish i went this route too.. bought a presale in burquitlam, already having remorse cause although i'd rather live in burquitlam than whalley, i work in whalley and would have really valued the extra space.
You can always upgrade Chris

We really wanted to stay in Guildford or move 5 mins away to Fleetwood because the developer had pre sales over there but it was a 50k difference vs the same unit in Whalley. We decided to save the 50k and move an extra 10 mins away.

The bus Surrey bus depot is a 5 minute drive away so I'm gonna transfer there in the near future. It'll be nice not to have to cross multiple bridges to get to work everyday
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Old 07-31-2020, 06:11 PM   #16147
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Does anyone have Economical Mutual Insurance as an underwriter? Experiences?
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Old 07-31-2020, 06:19 PM   #16148
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That’s who I just switched to, through “family” as the policy holder. We haven’t switched over to them yet as our BCAA policy is still active but I posted on reddit and a few other places regarding economical and people seem to respect them as a good underwriter
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Old 07-31-2020, 07:47 PM   #16149
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Does anyone have Economical Mutual Insurance as an underwriter? Experiences?
Not sure if this is the same place you are referring to, but my parents' house uses "Economical Insurance" as the underwriter. They are a bit more expensive compared to other underwriters, but when my parents' place unfortunately got hit by a clogged / backed up sump pit, Economical Insurance took good care of us. The entire process, from assessment, to getting help, to approving our claim, to following up and following through, we really couldn't fault them for anything. They have been fair and reasonable. Our adjuster, Dennis, had been fantastic and extremely professional in every regard whenever we were in contact.

Our entire basement suffered from flood damage. A lot of our belongings were damaged and unrepairable, but a good bunch could be saved. The restoration required the gutting of nearly all the walls. It was distarous. From start to finish, I think the entire process took almost 5 months.

Economical brought on Belfor Property Restoration as their recommended restoration partner, and we accepted the recommendation as others have told us that it is almost always more troublesome to hire an external contractor on our own. Belfor had been very good even though they were not perfect. But really, I can't complain about that. I am happy they were the one that did the restoration work.

Compared to Canadian North Shield, Economical was ~15% more expensive. But because they took good care of us, it was only right that we support them in return.

Of course, YMMV. But according to my insurance agent, Economical is one of the better underwriters to deal with, although they are a bit more pricey as well.
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Old 08-01-2020, 12:05 PM   #16150
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