Upsize Smarter

The Myth: Townhouses Are Always the Cheaper Option

Many buyers assume that moving from a condo into a townhouse is the logical next step. Townhouses often appear more affordable on paper, with a lower sticker price and no need to manage tenants. However, when you look at the numbers and long-term potential, that assumption doesn’t always hold true, especially in today’s market.

In Greater Vancouver, detached homes with secondary suites also known as mortgage helpers which offer a unique advantage that townhouses simply can’t match: income potential.

The Reality: Detached Homes Can Pay You Back

When you buy a home with one or two mortgage helper suites, you’re not just purchasing more space—you’re adding a built-in revenue stream. That additional income can offset your mortgage payments, sometimes making the monthly costs lower than what you’d pay for a townhouse.

For example:

• A detached home with two basement suites can generate anywhere from $3,000–$6000/month in rental income (depending on location and size).

• That income can reduce your effective monthly housing cost significantly (often by thousands of dollars each month)

• Meanwhile, many townhouses come with strata fees and no rental flexibility, making them less financially efficient in the long run.

More Space, More Flexibility

Beyond the financial upside, upsizing into a detached home gives you:

• More privacy and space for your family.

• Yard and outdoor living potential - a rarity in most townhouses.

• Flexibility to renovate, add a garden suite, or expand your income potential in the future.

• Better long-term appreciation in most markets, as land value tends to rise faster than strata properties.

The Smart Upsizing Strategy

If you’re considering upsizing, don’t just look at the list price—look at your net monthly cost after rental income. Many homeowners are surprised to find that a detached property with rental suites is actually more affordable than a townhouse with no income potential.

Partnering with a real estate professional who understands both the financial and lifestyle aspects of upsizing is key. A well-located home with legal or potential suites can help you build wealth faster, all while enjoying the benefits of a larger living space.

Bottom Line

In today’s Vancouver market, “bigger” doesn’t have to mean “more expensive.” With the right property and a smart mortgage helper strategy, upsizing to a detached home can not only fit your budget—it can help fund your future.

Ready to Upsize Smarter?

Let’s find you a home that works for you, one that gives you more space and pays you back every month.
Contact the Frederick Trudeau Real Estate Team to start your upsizing plan today. We’ll help you identify the best mortgage helper opportunities across Vancouver, Burnaby, and the North Shore.

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