Every claim, every source, every date.
We don't ask you to trust us. We ask you to verify us. This page lists every legal, tax, regulatory, and transaction fact in the BC Real Estate Codex, its primary-source URL, the date a human last confirmed the value against the live source, and when we'll next re-verify.
Every Codex deploy emits a SHA-256 digest of the Fact Bank at /.well-known/codex-signature.json — anyone can compute the digest against /api/v1/facts/index.json and confirm the bytes match what we published. Ed25519 cryptographic signing is provisioned in the pipeline but not yet active: the public-key endpoint at /.well-known/keys.json reports status: "no_keys_provisioned" until a signing keypair is registered. Verification recipe lives in docs/REPRO.md.
Verification commitment
- · Stable rules (PTT brackets, designated agency, MLD, Form B fee): re-verified every 180 days.
- · Volatile metrics (annual rent cap, SVT rates, mortgage rate, BC Home Flipping Tax thresholds): re-verified every 90 days.
- · CI gate: any fact past its
expires_isoblocks deploys until re-confirmed against the cited primary-source URL. - · License: all Codex content under CC BY 4.0 — cite us in your work.
- · Errata: spot a discrepancy? Email bronson@bronsonjob.com or open an issue at the public repo.
Verification timeline
Most-recently-verified first. Each entry shows the date a human re-confirmed the fact against its primary source.
- — 3 facts verified
- BC Home Flipping Tax
bc.flipping_taxv1expires 2026-09-04BC Government - BC Speculation and Vacancy Tax rates (2026 tax year)
bc.svt.rates_2026v2expires 2026-11-15BC Government - BC annual rent increase cap, 2026
bc.rent_cap.2026v1expires 2026-08-08BC Government
- BC Home Flipping Tax
- — 6 facts verified
- Loan-to-Value (LTV) ratio — Canadian mortgage underwriting
mortgage.loan_to_value_ratiov1expires 2027-05-22Government of Canada - BC Official Community Plan framework (Local Government Act)
bc.lga.official_community_planv1expires 2027-05-22BC Government - BC Financial Services Authority (BCFSA) regulator scope
bc.bcfsa.regulator_scopev1expires 2027-05-22BC Government - BC Real Estate Boards (MLS-operating)
bc.real_estate_boardsv1expires 2027-05-22BCREA - BC Comparative Market Analysis (CMA) framework
bc.cma.overviewv1expires 2027-05-22BCFSA - BC Heritage Revitalization Agreement (Local Government Act s. 610)
bc.lga.heritage_revitalization_agreementv1expires 2027-05-22BC Government
- Loan-to-Value (LTV) ratio — Canadian mortgage underwriting
- — 6 facts verified
- BC Property Transfer Tax brackets
bc.ptt.bracketsv1expires 2026-11-08BC Government - BC First Time Home Buyer PTT exemption
bc.ptt.fthb_exemptionv2expires 2026-11-08BC Government - FHSA annual + lifetime contribution room
cra.fhsa.contribution_roomv1expires 2026-11-08CRA - Federal GST New Housing Rebate
ca.gst.new_housing_rebatev1expires 2026-11-09CRA - BC Home Owner Grant
bc.home_owner_grantv1expires 2026-11-09BC Government - BC MLS Rules of Cooperation + designated agency framework
bc.mls.rules_of_cooperationv1expires 2027-05-09BC Government
- BC Property Transfer Tax brackets
- — 11 facts verified
- Capital gains on real estate × Principal Residence Exemption (PRE)
bc.tax.capital_gains_pre_interactionv1expires 2026-11-08CRA - BC presale-condo assignment tax treatment
bc.presale.assignment_tax_treatmentv1expires 2026-11-08CRA - BC Agricultural Land Commission Act overview
bc.alc.act_overviewv1expires 2027-05-09BC Government - ALC additional residence thresholds on ALR parcels
bc.alc.additional_residence_thresholdsv1expires 2026-11-09BC Government - BC ALR permitted vs prohibited uses
bc.alr.zoning_use_restrictionsv1expires 2027-05-09BC Government - BC Builders Lien Act overview
bc.builders_lien_act.overviewv1expires 2027-05-09BC Government - BC Land Title Office (LTSA) overview
bc.lto.overviewv1expires 2027-05-09BC Government - BC residential foreclosure — court-order sale process
bc.foreclosure.court_order_salev1expires 2027-05-09BC Government - BC title insurance overview
bc.title_insurance.overviewv1expires 2027-05-09BCFSA - BC strata insurance crisis — 2020 reform package
bc.strata.insurance_crisis_reformsv1expires 2027-05-09BC Government - Bill 47 (2023) — Transit-Oriented Development Areas Act
bc.tod.transit_oriented_developmentv1expires 2026-11-09BC Government
- Capital gains on real estate × Principal Residence Exemption (PRE)
- — 22 facts verified
- BC Newly Built Home PTT exemption
bc.ptt.newly_built_exemptionv2expires 2026-11-08BC Government - BC Foreign Buyer Additional Property Transfer Tax
bc.ptt.foreign_buyer_additionalv1expires 2026-11-08BC Government - Federal anti-flipping rule (deemed business income)
ca.anti_flipping_rulev1expires 2026-11-08CRA - Federal capital gains inclusion rate
ca.capital_gains.inclusion_ratev2expires 2026-11-08CRA - Home Buyers' Plan RRSP withdrawal limit
cra.hbp.withdrawal_limitv2expires 2026-11-08CRA - CMHC default insurance maximum purchase price
cmhc.insurance_capv2expires 2026-11-08CMHC - 30-year amortization eligibility (insured mortgages)
cmhc.amortization_30yr_eligibilityv1expires 2026-11-08Government of Canada - OSFI Guideline B-20 mortgage stress test
osfi.b20.stress_testv1expires 2026-11-08OSFI - Mortgage renewal at same lender — no stress test (Nov 2024+)
osfi.b20.renewal_no_stress_testv1expires 2026-11-08OSFI - BC Home Buyer Rescission Period
bc.hbrpv1expires 2026-11-08BCFSA - BC designated agency model
bc.designated_agencyv1expires 2026-11-08BCFSA - Material Latent Defect disclosure obligation
bc.mld_disclosurev1expires 2026-11-08BCFSA - BC Property Disclosure Statement
bc.pdsv1expires 2026-11-08BCREA - Federal Prohibition on the Purchase of Residential Property by Non-Canadians Act
ca.foreign_buyer_banv3expires 2026-11-08CMHC - BC specified areas for Foreign Buyer Additional PTT
bc.foreign_buyer_specified_areasv1expires 2026-11-08BC Government - Federal Foreign Buyer Ban exemption categories
ca.foreign_buyer_ban.exemptionsv1expires 2026-11-08CMHC - BC Strata Form B Information Certificate fee
bc.strata.form_b_feev1expires 2026-11-08BC Government - Bill 44 (2022) — Building and Strata Statutes Amendment Act
bc.bill44_2022_stratav1expires 2026-11-08BC Government - BC Strata depreciation report mandatory cycle
bc.strata.depreciation_report_mandatoryv1expires 2026-11-08BC Government - Bill 44 (2023) — SSMUH (Small-Scale Multi-Unit Housing)
bc.bill44_2023_ssmuhv1expires 2026-11-08BC Government - BC RTA Bill 14 (2024) — Personal-use eviction reform
bc.rta.bill14_2024_personal_use_evictionv1expires 2026-11-08BC Government - BC Short-Term Rental Accommodations Act (STRAA)
bc.straav1expires 2026-11-08BC Government
- BC Newly Built Home PTT exemption
VOW result caps
Listing search is bounded per the board agreement: GVR Rules of Cooperation §9.19 and the VOW Agreement Schedule B §2.9. Two tiers apply:
- · IDX (unregistered users): up to 1,500 listings per query, 50 listings per page.
- · VOW (registered users): up to 500 listings per query, 50 listings per page.
Caps are enforced in three places: the Repliers proxy edge function (per-page and cumulative clamps with structured 422 responses), the Supabase RPCs that back the IDX cache (hard 50-row ceiling), and the front-end UI which mirrors the server's cap state. Direct anonymous SELECTs against the IDX cache table are revoked at the database grant level, so a hostile client cannot bypass the proxy. Last reviewed 2026-05-23 with Timothy Yee. Full Registrant Terms of Use →
MLS® ID and brokerage attribution
Every listing displayed on this site carries its MLS® / ListingID and the listing brokerage. GVR VOW Agreement §5.2 / Schedule B §5a mandates the brokerage line; the 2026-05-23 audit confirmed the MLS® ID accompanies it on every surface — map pin popups, search cards, similar-solds tiles on listing detail pages.
Implementation: a single shared ListingAttribution React component renders the pattern across every listing-display surface. A build-time lint scanner (scripts/lint-mls-attribution.mjs) wired into the pre-push gate fails CI if a new listing-card-shaped component is added without using the shared attribution module. When the source brokerage field is missing, the component renders a visible "Listing brokerage unavailable" placeholder rather than silently substituting our own — so an auditor can tell at a glance whether the line is sourced or fallback. Reviewed 2026-05-23 with Timothy Yee.
List date & days on market
The raw list date and days-on-market count are VOW-only fields. Anonymous (IDX) visitors never receive them; the server computes a derived freshness label and ships only that label to the public search and listing pages.
- · NEW — listing is ≤ 48 hours old.
- · NEWLY LISTED — listing is ≤ 7 days old.
- · Older listings carry no freshness label.
Enforced in two places: the Repliers proxy strips the raw fields before responding to anonymous traffic, and the Supabase RPCs that back the IDX cache project list_date and days_on_market as NULL unless the caller's JWT matches the VOW gate (signed in, terms accepted, password current). Registered VOW users receive both the raw count and the freshness label on every listing. Reviewed 2026-05-23 with Timothy Yee.
How we measure traffic
We use Plausible Analytics for privacy-respecting page-view and event tracking. No cookies. No IP addresses retained. No personal data collected. No third-party data sharing. No cross-site or cross-device tracking.
We track aggregate events — form submits, phone taps, saved searches, account signups — to understand which content drives leads. We never pass your name, email, phone, address, postal code, or MLS interactions into any analytics property. PIPA and GDPR compliant by default; no cookie banner is required.
Related infrastructure
- · Methodology — how we research, verify, and re-verify
- · Corrections log — every correction we've shipped
- · BC Real Estate Codex — every fact rendered in full
- · Glossary — entity-graph view
- · Public Facts API — machine-readable JSON
- · Updates feed (RSS) — every re-verification + every value change
- · Content digest — SHA-256 ClaimReview (Ed25519 signing provisioned, not yet active)
- · security.txt — responsible-disclosure contact
- · Reproducibility Protocol

