5 First-Time Home Buyer Mistakes in Surrey (And How to Avoid Them)

5 First-Time Home Buyer Mistakes in Surrey (And How to Avoid Them) 

Buying your first home is exciting — but let’s be real — it can also be overwhelming. Especially if you’re searching for homes for sale in Surrey or thinking about moving to Langley, where the market changes fast and every decision counts.

As a local Surrey Realtor who works with first-time buyers all the time, I’ve seen the same mistakes over and over again. The good news? You can avoid them — and come out way ahead — if you know what to watch for.

Let’s dive into the top 5 first-time home buyer mistakes in Surrey (and beyond) — and what to do instead.

Mistake #1: Skipping the Pre-Approval

It’s tempting to start house hunting before getting your mortgage pre-approved. After all, scrolling through homes online is way more fun than paperwork. But this can backfire — fast.

Why it matters:

• Many homes for sale in Surrey get multiple offers. If you're not pre-approved, sellers may not take you seriously.

• You risk falling in love with a home that’s outside your actual budget.

• Pre-approval gives you negotiating power and a clear picture of your numbers.

📊 Local Insight: According to the Fraser Valley Real Estate Board, the average detached home in Surrey sold for $1.53M in June 2025 — up 4.2% from last year. With prices moving quickly, timing and preparation matter more than ever.

Mistake #2: Underestimating Closing Costs

Many first-time buyers focus only on the down payment and forget about the additional costs that come with buying a home.

Typical closing costs in Surrey and Langley include:

• Property Transfer Tax (unless exempt)

• Legal fees

• Home inspection (~$500)

• Appraisal fees

• Moving costs

💡 Pro Tip: Set aside 1.5–2% of the home price for closing costs. It’s better to be over-prepared than caught off guard on possession day.

Mistake #3: Buying Based on Emotion, Not Strategy

Falling in love with a home is easy — but making a smart move means thinking long-term. This is where working with an experienced Surrey Realtor or Langley Realtor really pays off.

Key questions to ask:

• What’s the resale potential of this home?

• Is it in a high-demand school catchment?

• Is this area part of future development plans?

📍 Example: In Clayton Heights, homes have seen steady demand due to walkability, schools, and transit access. But some buyers overlook the limited parking and increasing density — things that can impact your lifestyle and resale value.

Mistake #4: Not Exploring Neighborhood Options

It’s easy to get tunnel vision and only look in one area — but comparing neighborhoods can open up better value, lifestyle perks, or school zones.

Popular first-time buyer neighborhoods in Surrey & Langley:

• Clayton Heights: Family-friendly, lots of newer townhomes

• Willoughby: Rapidly growing area in Langley with tons of new builds

• Cloverdale: A mix of old charm and new development, close to both cities

• Murrayville: Quiet, established neighborhood with a community feel

📈 According to BC Assessment, homes in Murrayville appreciated 7.8% on average from 2023 to 2024, making it a smart pick for both lifestyle and investment.

Mistake #5: Choosing the Wrong Realtor

Not all agents are created equal — especially when you're buying your first home. The right Surrey Realtor or Langley Realtor will educate you, guide you, and protect your best interests every step of the way.

What to look for in your agent:

• Experience working with first-time buyers

• Local knowledge of Surrey and Langley neighborhoods

• Ability to explain the process clearly, without pressure

• A strategy for finding homes before they hit MLS

And honestly? Someone you vibe with. You’re going to be texting, calling, and possibly panicking with this person — so make sure they’re on your side 100%.

Final Thoughts: You’ve Got This (With the Right Help)

Buying your first home is a big deal — but it doesn’t have to be a stressful one.

Avoiding these five mistakes can save you thousands of dollars, help you buy with confidence, and make your first step into real estate a smart one.

If you’re thinking about moving to Langley or looking at homes for sale in Surrey, I’d be happy to walk you through it all — no pressure, no confusing jargon, just real help.

📥 Want to learn more?

Download my FREE Surrey & Langley relocation guide. It includes:

• Neighborhood breakdowns

• Best schools

• Commute tips

• Buyer traps to avoid
  👉 Just click here or message me for a copy!