Celebrating Community, Gratitude, and Local Holiday Cheer

The holiday season has officially begun in Fort St. John, and we couldn’t be more excited to kick off our 12 Days of Christmas Giveaway. This celebrates everything that makes our community special - generosity, connection, local pride, and supporting the incredible small businesses that make the Peace Region feel like home.

Over the next 12 days, we’re partnering with some of our favourite Fort St. John local businesses to bring you giveaways filled with festive fun, thoughtful gifts, and meaningful ways to shop local this holiday season. Whether you’ve lived in the region your whole life or recently made Northern BC your home, this is a chance to celebrate the people and places that make our community shine.

Why Supporting Local Matters in the Peace Region

Small businesses are the heartbeat of our community. When you shop local in Fort St. John:

• You support families who live and work here.

• You help money stay within the Peace Region economy.

• You strengthen the unique culture, creativity, and services we depend on.

• You keep local shops, creatives, and entrepreneurs thriving during the busiest — and often most challenging — time of year.

The 12 Days of Christmas Giveaway isn’t just about prizes.
It’s about showing appreciation for the businesses who show up for our community year-round, and encouraging residents to explore, support, and celebrate everything local.

This Year’s Featured Local Businesses

We are thrilled to highlight an amazing lineup of Fort St. John and Peace Region businesses participating in this year’s celebration:

Honey Bunz Tanning
https://www.instagram.com/fsjfarmhouse/
Mudita - Hair by Carissa Dawn
Petite Petal Company
NRG Fusion Studio
Lil Cake Mama
Browns Socialhouse
Natures Way Spa
Vive
All Well Life
NP Skin Boutique
Old Is the New New
The Common Table
https://www.chambersfarm.ca/
Lana Hamilton Photography

Each of these businesses brings something unique to our community — from wellness and skincare to farm experiences, handmade goods, incredible food, fitness, beauty, holiday treats, and more.

How to Participate

Each day, a new giveaway launches on Brenna’s Instagram! Check it out HERE

A Season of Gratitude

The 12 Days of Christmas Giveaway is our way of saying thank you — to the residents of Fort St. John, the families who trust us during their real estate journeys, and the business owners who make our region vibrant and full of heart.

We’re proud to live, work, and give back to a community that supports each other year after year.

Stay tuned daily — you won’t want to miss what’s coming next! 🎄

📞 Call/Text Brenna at 250.262.6441
Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

Explore our current homes, acreages, land, and commercial listings in Fort St. John and the Peace Region. From family homes to rural properties and investment opportunities, here’s what’s available now.

The real estate market in Fort St. John and the Peace Region continues to offer incredible opportunities for families, investors, acreage buyers, and those looking for commercial space. Whether you’re dreaming of lakeside living, searching for a move-in ready home in town, or expanding your business, we’re proud to showcase a diverse selection of listings across Northern BC.

Here’s a quick look at what’s currently available:

Residential Listings

8508 82 Street – Fort St. John

A welcoming home in the heart of the city, perfect for first-time buyers or anyone looking for a clean, move-in ready space close to schools, parks, and amenities.

12874 Forest Avenue – Charlie Lake

Enjoy peaceful rural living just minutes from town. This property offers the perfect blend of space, privacy, and the relaxed Charlie Lake lifestyle.

11416 92 Street – Fort St. John

A great family-friendly option in a highly desired neighbourhood, featuring modern updates and ample space for growing households.

13223 Lakeshore Drive – Charlie Lake

A stunning property in one of the most sought-after areas near the lake. Perfect for those wanting room to breathe with quick access to outdoor recreation.

11075 257 Road – Fort St. John (Acreage)

A beautifully updated home on a spacious parcel of land. Ideal for anyone looking for acreage living that’s still close to the conveniences of town.

11108 85 Avenue – Fort St. John

A unique mixed-use opportunity with residential and light-industrial potential, offering flexibility for home-based businesses or investment.

17266 Prespatou Road – Fort St. John Rural

A fantastic rural opportunity with plenty of land, privacy, and the freedom to create the lifestyle you want—ideal for farming, homesteading, or hobby operations.

Land & Lots

Lot 11 – 114A Avenue

A prime residential lot in a desirable area of Fort St. John, ready for your new home build.

Lot 4 – 240 Road

A great rural parcel offering space and potential for your future home or investment project.

Ready to Take the Next Step?

Whether you're drawn to in-town living, the peace of rural life, or the opportunity to build your dream home, these listings offer something for every buyer. The Fort St. John market is active, and well-priced properties don’t stay available for long.

📞 Call/Text Brenna at 250.262.6441 to book a showing or learn more about any of our current listings.
Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

Winter in Fort St. John brings crisp mornings, snowy landscapes, and plenty of cold-weather charm. But for homeowners, it also means tackling the challenges that come with Northern BC’s long, freezing months. Taking a few preventative steps now can save you time, stress, and costly repairs later.

Here are the five most common winter home issues in the Peace Region — and how to stop them before they start.

1. Frozen Pipes 🚰

When temperatures drop below freezing, water inside your pipes can freeze and expand — causing cracks or bursts.
Prevention Tips:

• Insulate exposed pipes in unheated areas like basements, crawl spaces, and garages.

• Keep a slow trickle of water running from faucets on extremely cold nights.

• Open cabinet doors under sinks to let warm air circulate around plumbing.

2. Ice Dams on Roofs 🏠

Ice dams form when snow melts on your roof and refreezes near the eaves, trapping water that can leak into your home.
Prevention Tips:

• Make sure your attic is well insulated and properly ventilated to keep the roof surface cold.

• Clear gutters of leaves and debris before heavy snowfall.

• Use a roof rake to safely remove excess snow buildup after storms.

3. Furnace or Heating Problems 🔥

Your heating system works overtime during Fort St. John winters. Without maintenance, it can break down at the worst time.
Prevention Tips:

• Replace your furnace filter every 1–2 months.

• Schedule a professional inspection before the deep freeze hits.

• Keep vents unblocked to maintain efficient airflow.

4. Drafty Windows and Doors 🌬️

Cold air sneaking in can raise your energy bills and make your home feel chilly.
Prevention Tips:

• Check weatherstripping and caulking around windows and doors.

• Use draft stoppers or install insulated curtains for extra warmth.

• Consider upgrading to energy-efficient windows if your home is older.

5. Roof and Gutter Damage 🪵

Heavy snow and ice can put strain on your roof and gutters, leading to leaks or structural damage.
Prevention Tips:

• Clear gutters regularly to prevent ice buildup.

• Inspect your roof for missing shingles or weak spots.

• Hire a local Fort St. John roofing company to handle large snow loads safely.

Staying Ahead of Winter in Northern BC

Fort St. John homeowners know that preparation is key to surviving — and thriving — in Northern winters. Regular maintenance not only protects your property but also preserves its long-term value, especially if you plan to sell in the coming months.

Whether you’re buying, selling, or simply maintaining your home this season, Brenna and her team are here to help you make informed decisions every step of the way.

📞 Call/Text Brenna at 250.262.6441
Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

Buying a home is one of the most exciting and largest financial steps you’ll ever take. Whether you’re a first-time buyer or upgrading to your dream acreage in the Peace Region, it’s important to understand all the costs involved. In Fort St. John’s competitive housing market, planning ahead helps you make confident, stress-free decisions.

Here’s a breakdown of the hidden costs every homebuyer in Northern BC should be prepared for:

1. Home Inspection

Before finalizing your purchase, always invest in a professional home inspection. It typically costs between $600 - $900 but can save you thousands in potential repairs. In our region’s colder climate, pay special attention to insulation, heating systems, and foundation issues.

2. Property Appraisal

If you’re getting a mortgage, your lender will likely require an appraisal to confirm the home’s value. Expect to budget around $500–$1000. This step ensures you’re paying a fair price and protects your investment.

3. Legal Fees

A real estate lawyer will handle the paperwork, title transfer, and mortgage registration. Legal fees in Fort St. John generally range from $1,200 - $2,200.

4. Property Transfer Tax

In British Columbia, buyers pay a Property Transfer Tax (PTT) when purchasing real estate. For most homes, it’s 1% on the first $200,000 and 2% on the remainder up to $2 million.
💡 Tip: First-time home buyers may qualify for a full or partial exemption — ask your Realtor or lawyer to confirm your eligibility.

5. Adjustments and Utility Hookups

Sellers may have prepaid property taxes or utility bills. These are adjusted at closing so each party only pays their share. New homeowners should also budget for utility connection fees, which can vary depending on location and provider.

6. Moving and Setup Costs

From hiring movers to setting up internet and garbage collection, small expenses add up quickly. Plan for $3,000+ to cover your move comfortably — especially if you’re relocating from another BC community or province.

7. Home Insurance and Maintenance

Before you get your keys, your lender will require proof of home insurance. Premiums depend on property type, location, and value — usually between $1,600–$4,500 per year.
Don’t forget to budget for ongoing maintenance like furnace servicing, snow removal, or well and septic upkeep if you’re buying rural property.

Why This Matters in the Fort St. John Market

The Peace Region’s housing market offers incredible value compared to many BC areas, but being financially prepared gives buyers an edge. Understanding the true cost of homeownership helps you act quickly and confidently when the right property comes along.

Whether you’re drawn to a family home in town or an acreage outside city limits, Brenna and her team are here to guide you through every step — from offer to keys in hand.

📞 Call/Text Brenna at 250.262.6441
Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

As fall settles over Fort St. John and the Peace Region, colourful leaves and crisp air create the perfect backdrop for selling your home. But as the season changes, so should your approach to curb appeal. Whether you’re listing your property or just want your home to shine this autumn, these simple upgrades can make a big impact — especially in Northern BC’s unique climate.

Freshen Up Your Exterior

Start with the basics: a clean, well-maintained exterior sets the tone for the entire property. Wash away dust and grime from siding, windows, and decks that may have built up over summer. Clear away fallen leaves, trim overgrown bushes, and tidy up garden beds. A freshly swept driveway and clean walkways instantly make your home look more cared for.

In Fort St. John’s cooler months, sunlight becomes limited, so a little sparkle goes a long way. Wash windows inside and out to maximize natural light, and consider updating outdoor light fixtures to brighter, warmer tones that welcome buyers — even on shorter, cloudier days.

Add Warm, Seasonal Touches

Fall is all about warmth and comfort. Use that to your advantage when staging your home’s exterior. Add seasonal planters with hardy mums or ornamental grasses that can handle cooler temperatures. A simple wreath on the front door or a few pumpkins by the entryway add charm without feeling overdone.

For acreage or rural properties in the Peace Region, think scale — clean up driveways, gate areas, and fences. Make sure signage or address markers are visible and easy to read. Buyers exploring larger properties will appreciate thoughtful details that show the home has been well maintained.

Light the Way

As daylight fades earlier in October, good lighting becomes essential. Replace any burnt-out bulbs and add pathway lighting to make walkways safe and inviting. Motion-sensor or solar lights are great for highlighting features like entryways, trees, or driveways while adding a sense of security — something Northern BC buyers value during long winter nights.

Don’t Forget Curb Appeal for Acreages

In rural areas around Fort St. John, curb appeal means more than just a tidy front yard. For acreages and farm properties, make sure driveways are graded, fences are in good repair, and outbuildings are organized and accessible. Store equipment neatly and remove clutter to highlight usable space and showcase how easy it is to maintain a larger property.

First Impressions Matter

In a market where buyers are comparing homes online before visiting in person, great curb appeal helps your property stand out from the start. A few simple updates now can help your home photograph beautifully, feel more inviting, and attract more showings — even as the temperatures drop.

Fall in Fort St. John is a beautiful time of year, and with a little effort, your home can stand out in any market. Whether you’re preparing to list now or planning for winter, thoughtful curb appeal improvements show pride of ownership — something every buyer notices.

📞 Call/Text Brenna at 250.262.6441 for expert advice on preparing your home for sale in Fort St. John and the Peace Region.

Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

As the crisp autumn air settles over Fort St. John, it’s the perfect time for homeowners to prepare their properties for the long Northern BC winter ahead. Fall is a season of transition—not just for leaves, but for your home. A little preparation now can save you stress, money, and keep your home cozy when the snow arrives.

Start with the Exterior

Begin by tackling outdoor spaces. Clear leaves and debris from gutters to prevent ice dams and water damage. Inspect your roof for any missing shingles or weak spots that could cause leaks once snow arrives. Drain hoses, shut off exterior faucets, and store or cover patio furniture and equipment to protect them from the cold. Proper insulation and attic ventilation also play a big role in preventing ice buildup on the roof and reducing moisture issues inside.

Keep Your Home Cozy

Inside the home, focus on heating and comfort. Make sure your furnace is serviced and filters are replaced. If you have a fireplace or wood stove, have it cleaned and inspected. Small details like sealing drafts around windows and doors can make a noticeable difference in warmth and energy bills.

Safety and Preparedness

Safety is another priority. Test smoke and carbon monoxide detectors and keep winter essentials on hand, from ice melt and shovels to emergency supplies. These simple steps keep your home safe, functional, and stress-free all winter long.

Why This Matters for Sellers

For homeowners planning to sell, fall maintenance has an extra benefit: homes that are clean, cozy, and well-prepared stand out to buyers. Motivated buyers in Fort St. John and the Peace Region appreciate a property that feels move-in ready, and a well-maintained home can help you attract more interest—even in the colder months.

Winter doesn’t have to slow down your plans. By taking proactive steps this fall, you can protect your investment, enjoy a comfortable season, and set your home up for success, whether you’re staying or selling.

📞 Call/Text Brenna at 250.262.6441 for expert advice on preparing your home for winter or navigating the Fort St. John real estate market.

Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

As summer winds down and fall arrives in Northern BC, the Fort St. John real estate market remains active. The Peace Region continues to attract buyers looking for residential homes, acreages, and rural properties. While every market is unique, some clear trends are emerging this fall:

• Sellers Still Have an Advantage: Inventory is relatively low, meaning homes that are well-priced and properly marketed stand out.

• Buyers Are Serious: Fall buyers tend to be motivated—they want to move before winter and school routines are in full swing.

• Rural & Acreage Properties Are Popular: Families and lifestyle buyers are seeking space and privacy outside the city, making acreages highly desirable.

• Neighbourhood Choice Matters: Homes in established areas like Sunset Ridge, Panorama Ridge, Westridge Estates, or close to amenities continue to attract attention.

Tips for Sellers This Fall

• Focus on curb appeal: clean yards, tidy landscaping, and small seasonal touches make a difference.

• Highlight cozy features: fireplaces, energy-efficient heating, and move-in readiness appeal to motivated buyers.

• Stage your home effectively: simple updates or decluttering can shorten days on market.

Tips for Buyers

• Be ready to act quickly: serious buyers are active now, and competition can be strong for desirable homes.

• Explore rural or acreage properties: the Peace Region offers lifestyle options that city properties can’t match.

• Think long-term: consider proximity to work, schools, and amenities, even if buying slightly outside city limits.

Why Fort St. John’s Market Stays Strong

Unlike some southern BC markets that slow down in the fall, Fort St. John’s resource-driven economy keeps housing demand steady. Families relocating for work, energy industry projects, and lifestyle buyers all contribute to a resilient local real estate market.

Fall 2025 is a smart time to buy or sell in Fort St. John and the Peace Region. Homes are moving, buyers are motivated, and sellers with the right strategy can stand out.

📞 Call/Text Brenna at 250.262.6441 for expert advice on the Fort St. John real estate market.

Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

If you’ve been exploring real estate in Fort St. John or the Peace Region, you’ve probably noticed one trend: acreages and rural properties are in high demand. From hobby farms to hobby ranches, these properties offer something that urban homes often can’t: space, privacy, and a lifestyle closely connected to nature.

In this blog, we’ll explore why rural living in Northern BC continues to attract buyers and why acreages are such a smart choice in today’s market.

1. Space and Privacy Are Priceless

One of the biggest draws of acreages in Fort St. John is the amount of land you get. Whether you’re looking for room to raise animals, grow crops, or simply enjoy privacy from neighbours, rural properties provide a lifestyle many buyers crave.

Compared to city lots, acreages offer wide-open spaces, often with mature trees, ponds, or even small forests. For families, this means safe areas for kids to play and explore. For professionals or retirees, it’s a retreat from the hustle and bustle.

2. Opportunity for Livestock, Farming, or Hobby Ranching

Many buyers in the Peace Region are attracted to agricultural potential. Even small acreages allow for:

• Keeping horses, cattle, or chickens

• Starting small-scale farming operations

• Growing gardens or orchards

• Creating your own private outdoor recreational spaces

Northern BC’s climate and fertile soils make hobby farming or ranching feasible, while still being close enough to Fort St. John for easy access to shops, schools, and services.

3. Strong Investment Potential

Acreages and rural properties are often undervalued compared to city homes, but demand continues to rise in the Peace Region. Buyers are drawn to:

• Long-term appreciation of land values

• Flexibility in building homes, shops, or outbuildings

• Ability to subdivide larger parcels (where zoning allows)

This makes acreages an appealing option for investors or those looking to diversify their real estate portfolio in Northern BC.

4. Lifestyle and Recreation

Living on an acreage isn’t just about property size—it’s about quality of life. Peace Region acreages give you:

• Privacy and tranquility away from city noise

• Access to hunting, fishing, snowmobiling, and ATV trails

• Opportunities for gardening, bonfires, and outdoor hobbies

• Stunning views of Northern BC’s forests, lakes, and mountains

For many, this connection to nature is what makes rural living so desirable.

5. Convenient Location Near Fort St. John

Despite being rural, many acreages are just a short drive from Fort St. John. Communities like:

• Charlie Lake

• Baldonnel

• Prespatou

• Montney

…offer the perfect balance: country living with access to schools, healthcare, shopping, and employment in the Peace Region.

Whether you’re seeking space, privacy, investment potential, or a lifestyle closer to nature, acreages and rural properties in Fort St. John and the Peace Region are highly sought after—and for good reason.

If you’re ready to explore acreages in Northern BC or want guidance on finding the perfect rural property, Brenna Burns can help you navigate the local market.

📞 Call/Text Brenna at 250.262.6441 for personalized guidance on finding your Peace Region acreage today.

Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

Choosing the right neighbourhood is one of the most important steps when buying a home. Fort St. John offers a wide variety of communities, each with its own personality, lifestyle perks, and conveniences. Whether you’re raising a family, working in town, or dreaming of wide-open acreage, there’s a perfect place for you in Northern BC’s Peace Region.

Here’s a closer look at some of the best neighbourhoods in Fort St. John to match different lifestyles.

👨‍👩‍👧 Best Neighbourhoods in Fort St. John for Families

Families moving to Fort St. John often prioritize safety, schools, and a sense of community. These areas stand out:

• Finch Elementary & Bert Ambrose School Area
  Known for family-friendly subdivisions, green space, and nearby schools, this area is perfect for young families who want walkable access to education and parks.

• Kin Park & Matthews Park Area
  Affordable homes with close proximity to playgrounds, rec centers, and community activities. Families love the central location and easy access to shops and services.

• North End Subdivisions (like Westridge Estates)
  Offering newer homes and modern layouts, these neighbourhoods are ideal for growing families looking for move-in-ready properties in a welcoming community.

💼 Best Neighbourhoods in Fort St. John for Professionals

For working professionals, convenience and easy access to major roads, shops, and services often top the list.

• Southeast Area (near the Hospital & College)
  Popular with healthcare workers and professionals, this neighbourhood offers quick commutes and well-kept properties. It’s also a smart option for investors looking for rental demand.

• Newer Developments in the West End
  Modern homes with stylish finishes appeal to professionals who want comfort and convenience, without sacrificing access to parks and trails.

🌲 Best Neighbourhoods in Fort St. John for Acreage Living

One of the biggest draws of living in Northern BC is the opportunity for acreage properties—space, privacy, and room to grow.

• Charlie Lake
  A favourite for families and retirees, Charlie Lake offers large lots, stunning views, and recreational opportunities right at your doorstep. It’s only minutes from town but feels like a retreat.

• Baldonnel & Montney
  Perfect for those seeking a quieter lifestyle or space for farming, ranching, or hobby operations. These rural communities provide both privacy and strong community ties.

• Prespatou & Surrounding Rural Areas
  Further from Fort St. John, but highly appealing for those who want true country living and affordable land options.

Why Choosing the Right Neighbourhood Matters

When buying real estate in Fort St. John, your neighbourhood choice impacts your lifestyle, daily routine, and long-term investment. Families benefit from strong school zones, professionals thrive near services, and acreage lovers enjoy the peace of the countryside.

That’s why working with a local Fort St. John REALTOR® who knows the neighbourhoods is key.

Whether you’re searching for a family-friendly subdivision, a downtown condo, or a sprawling acreage in the Peace Region, Fort St. John has something for everyone. Each neighbourhood brings its own benefits—choosing the right one depends on your lifestyle and future goals.

📞 Call/Text Brenna at 250.262.6441 for expert guidance on finding the perfect Fort St. John neighbourhood for your next home.

Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

If you’ve been thinking about selling your home in Fort St. John or the Peace Region, now might be the perfect time. While many markets across BC slow down as summer winds down, Fort St. John’s real estate market often stays steady into the fall. With motivated buyers, low housing inventory, and the changing seasons, late August through fall can be one of the best times to sell your home.

1. Buyers Want to Move Before Winter Hits

In Northern BC, timing matters. Many buyers in Fort St. John are motivated to purchase before the snow flies. Families want to be settled before the school year is in full swing, and others are aiming to move before winter roads and colder temperatures make moving day more challenging. This creates strong buyer demand in September and October.

2. Low Inventory = More Attention on Your Home

One of the biggest advantages for sellers right now is low housing inventory in Fort St. John. Fewer homes on the market means your property gets more eyes—and potentially stronger offers. Buyers who may have been waiting earlier in the year are ready to act now, especially if the right home comes along.

3. Fall Shows Off Your Home at Its Best

The fall season in Fort St. John is beautiful—trees changing colors, cozy evenings, and crisp air. Homes often show better during this time, creating that “warm and welcoming” first impression that buyers are looking for. A well-maintained yard and seasonal décor can help your property stand out even more.

4. Serious Buyers Are Still Out There

Unlike the browsing buyers of spring and summer, fall buyers in FSJ tend to be more serious. They’re often relocating for work in the energy industry, upgrading for family needs, or downsizing before winter. These buyers usually have timelines in mind and are ready to move quickly when they find the right home.

5. The Peace Region’s Economy Supports a Strong Market

From energy projects like Site C Dam to oil & gas operations, the local economy continues to bring new residents and keep demand steady. While larger BC markets might see seasonal slowdowns, Fort St. John’s unique economy and affordability mean homes continue to move year-round.

Final Thoughts: Don’t Wait Until Spring

Many sellers think spring is the best time to list, but waiting could mean missing out on motivated buyers right now. By listing your home in Fort St. John this fall, you’ll face less competition and connect with buyers eager to move before winter.

📞 Call/Text Brenna at 250.262.6441 for a free home evaluation today.
Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

In real estate, location is more than just a selling point—it’s the reason some markets thrive, no matter what’s happening elsewhere. Fort St. John is one of those places. While other regions may see seasonal slowdowns or national market jitters, our community’s unique mix of economic strength, lifestyle appeal, and natural beauty keeps things moving.

1.⁠ ⁠A Steady Economic Backbone

The Peace Region is fueled by industries that don’t follow the same cycles as larger metropolitan markets. Energy production, agriculture, and infrastructure development bring consistent employment and draw skilled professionals to the area. That means a steady stream of buyers—from first-time homeowners to those relocating for work—keeping demand strong.

2.⁠ ⁠Lifestyle You Can’t Find in the City

Where else can you finish work and be fishing, hunting, or boating in less than an hour? Fort St. John offers quick access to rivers, lakes, and trails for quadding, hiking, or horseback riding. For many, the ability to live close to nature without giving up modern conveniences makes our real estate market more than just a numbers game—it’s about quality of life.

3.⁠ ⁠Diverse Property Options

From sprawling acreages and hobby farms to move-in-ready homes in friendly neighbourhoods, the variety here appeals to a broad range of buyers. Investors see value in rental properties supported by a strong workforce, while families appreciate the extra space and connection to the outdoors.

4.⁠ ⁠A Tight-Knit Community

In Fort St. John, people don’t just buy homes—they join a community. Local events, sports, and family-focused activities create a sense of belonging that makes buyers want to stay. For sellers, that sense of community adds value to their property because it’s part of what attracts people here in the first place.

5.⁠ ⁠Why Now Might Be the Right Time

Whether you’re selling an acreage, buying your first home, or adding to your investment portfolio, our market continues to offer opportunities. Interest from out-of-town buyers is growing, and inventory levels are shifting—meaning it’s important to have a strategy that positions you ahead of the curve.

⸻

If you’re thinking about buying or selling in Fort St. John or the Peace Region, I’m here to help you navigate the market with the right marketing, local expertise, and a results-driven approach.

Brenna Burns PREC
CENTURY 21 ENERGY REALTY
FORT ST. JOHN 📍

📞 Call/Text Brenna at 250.262.6441

📧 brenna@brennaburn.com

Homeownership offers many advantages over renting, including a stable living environment, predictable monthly payments, and the freedom to make modifications. Neighbourhoods with high rates of homeownership have less crime and more civic engagement. Additionally, studies show that homeowners are happier and healthier than renters, and their children do better in school.1 

But one of the biggest perks of homeownership is the opportunity to build wealth over time. Researchers at the Urban Institute found that homeownership is financially beneficial for most families,2 and a recent study showed that the median net worth of homeowners can be up to 80 times greater than that of renters in some areas.3

So how does purchasing a home help you build wealth? And what steps should you take to maximize the potential of your investment? Find out how to harness the power of home equity for a secure financial future.

WHAT IS HOME EQUITY?

Home equity is the difference between what your home is worth and the amount you owe on your mortgage. So, for example, if your home would currently sell for $250,000, and the remaining balance on your mortgage is $200,000, then you have $50,000 in home equity.

$250,000 (Home’s Market Value)

-$200,000 (Mortgage Balance)

______________________________

$50,000 (Home Equity)

The equity in your home is considered a non-liquid asset. It’s your money; but rather than sitting in a bank account, it’s providing you with a place to live. And when you factor in the potential of appreciation, an investment in real estate will likely offer a better return than any savings account available today.

HOW DOES HOME EQUITY BUILD WEALTH?

A mortgage payment is a type of “forced savings” for home buyers. When you make a mortgage payment each month, a portion of the money goes towards interest on your loan, and the remaining part goes towards paying off your principal, or loan balance. That means the amount of money you owe the bank is reduced every month. As your loan balance goes down, your home equity goes up.

Additionally, unlike other assets that you borrow money to purchase, the value of your home generally increases, or appreciates, over time. For example, when you pay off your car loan after five or seven years, you will own it outright. But if you try to sell it, the car will be worth much less than when you bought it. However, when you purchase a home, its value typically rises over time. So when you sell it, not only will you have grown your equity through your monthly mortgage payments, but in most cases, your home’s market value will be higher than what you originally paid. And even if you only put down 10% at the time of purchase—or pay off just a small portion of your mortgage—you get to keep 100% of the property’s appreciated value. That’s the wealth-building power of real estate.

WHAT CAN I DO TO GROW MY HOME’S EQUITY FASTER?

Now that you understand the benefits of building equity, you may wonder how you can speed up your rate of growth. There are two basic ways to increase the equity in your home:

1. Pay down your mortgage.

We shared earlier that your home’s equity goes up as your mortgage balance goes down. So paying down your mortgage is one way to increase the equity in your home.

Some homeowners do this by adding a little extra to their payment each month, making one additional mortgage payment per year, or making a lump-sum payment when extra money becomes available—like an annual bonus, gift, or inheritance.

Before making any extra payments, however, be sure to check with your mortgage lender about the specific terms of your loan. Some mortgages have prepayment penalties. And it’s important to ensure that if you do make additional payments, the money will be applied to your loan principal.

Another option to pay off your mortgage faster is to decrease your amortization period. For example, if you can afford the larger monthly payments, you might consider refinancing from a 30-year or 25-year mortgage to a 15-year mortgage. Not only will you grow your home equity faster, but you could also save a bundle in interest over the life of your loan.

2. Raise your home’s market value.

Boosting the market value of your property is another way to grow your home equity. While many factors that contribute to your property’s appreciation are out of your control (e.g. demographic trends or the strength of the economy) there are things you can do to increase what it’s worth.

For example, many homeowners enjoy do-it-yourself projects that can add value at a relatively low cost. Others choose to invest in larger, strategic upgrades. Keep in mind, you won’t necessarily get back every dollar you invest in your home. In fact, according to Remodeling Magazine’s latest Cost vs. Value Report, the remodelling project with the highest return on investment is a garage door replacement, which costs about $3600 and is expected to recoup 97.5% at resale. In contrast, an upscale kitchen remodels—which can cost around $130,000—averages less than a 60% return on investment.4

Of course, keeping up with routine maintenance is the most important thing you can do to protect your property’s value. Neglecting to maintain your home’s structure and systems could have a negative impact on its value—therefore reducing your home equity. So be sure to stay on top of recommended maintenance and repairs.

HOW DO I ACCESS MY HOME EQUITY IF I NEED IT?

When you put your money into a checking or savings account, it’s easy to make a withdrawal when needed. However, tapping into your home equity is a little more complicated.

The primary way homeowners access their equity is by selling their home. Many sellers will use their equity as a downpayment on a new home. Or some homeowners may choose to downsize and use the equity to supplement their income or retirement savings.

But what if you want to access the equity in your home while you’re still living in it? Maybe you want to finance a home renovation, consolidate debt, or pay for college. To do that, you will need to take out a loan using your home equity as collateral. 

There are several ways to borrow against your home equity, depending on your needs and qualifications:5

1. Second Mortgage - A second mortgage, also known as a home equity loan, is structured similarly to a primary mortgage. You borrow a lump-sum amount, which you are responsible for paying back—with interest—over a set period of time. Most second mortgages have a fixed interest rate and provide the borrower with a predictable monthly payment. Keep in mind, if you take out a home equity loan, you will be making monthly payments on both your primary and secondary mortgages, so budget accordingly.

2. Cash-Out Refinance - With a cash-out refinance, you refinance your primary mortgage for a higher amount than you currently owe. Then you pay off your original mortgage and keep the difference as cash. This option may be preferable to a second mortgage if you have a high-interest rate on your current mortgage or prefer to make just one payment per month.

3. Home Equity Line of Credit (HELOC) - A home equity line of credit, or HELOC, is a revolving line of credit, similar to a credit card. It allows you to draw out money as you need it instead of taking out a lump sum all at once. A HELOC may come with a chequebook or debit card to enable easy access to funds. You will only need to make payments on the amount of money that has been drawn. Similar to a credit card, the interest rate on a HELOC is variable, so your payment each month could change depending on how much you borrow and how interest rates fluctuate.

4. Reverse Mortgage - A reverse mortgage enables qualifying seniors to borrow against the equity in their home to supplement their retirement funds. In most cases, the loan (plus interest) doesn’t need to be repaid until the homeowners sell, move, or are deceased.6

Tapping into your home equity may be a good option for some homeowners, but it’s important to do your research first. In some cases, another type of loan or financing method may offer a lower interest rate or better terms to fit your needs. And it’s important to remember that defaulting on a home equity loan could result in foreclosure. Ask us for a referral to a lender or financial adviser to find out if a home equity loan is right for you.

WE’RE HERE TO HELP YOU

Wherever you are in the equity-growing process, we can help. We work with buyers to find the perfect home to begin their wealth-building journey. We also offer free assistance to existing homeowners who want to know their home’s current market value to refinance or secure a home equity loan. And when you’re ready to sell, we can help you get top dollar to maximize your equity stake. Contact us today to schedule a complimentary consultation!

The above references an opinion and is for informational purposes only. It is not intended to be financial advice. Consult a financial professional for advice regarding your individual needs.

Sources:

1. National Association of Realtors -
   https://www.nar.realtor/blogs/economists-outlook/highlights-from-social-benefits-of-homeownership-and-stable-housing

2. Urban Institute -
   https://www.urban.org/urban-wire/homeownership-still-financially-better-renting

3. Census Bureau -
   https://www.census.gov/library/stories/2019/08/gaps-in-wealth-americans-by-household-type.html

4. Remodeling Magazine -
   https://www.remodeling.hw.net/cost-vs-value/2019/

5. Investopedia -
   https://www.investopedia.com/mortgage/heloc/home-equity/

6. Bankrate -
   https://www.bankrate.com/mortgage/reverse-mortgage-guide/