🇺🇸📍 Buying a Vacation Home in Whistler as a US Citizen: Everything You Need to Know in 2025

Yes, you can own a dream home in Canada – and Whistler just happens to be one of the best places to do it.

If you’re an American who loves the mountains, snow, summer trails, and the finer things in life – welcome! Whistler, BC is more than just a resort town – it’s a lifestyle. And yes, US citizens can buy property here. In fact, Whistler is one of the few places in Canada currently exempt from the foreign buyer ban. That’s right – while other hotspots are off-limits, Whistler welcomes you with open (albeit ski-gloved) arms.

Let’s break down everything you need to know to buy your slice of paradise north of the border.

Why Whistler?

Here’s what makes Whistler such a magnet for US buyers:

• Just 2 hours from Vancouver International Airport

• Part of the Epic Pass (so if you ski Vail, Park City, or Heavenly – you’re already in the club)

• Luxury real estate mixed with laid-back charm

• World-class skiing, biking, hiking, golfing, and dining

• A stable, safe place to invest your money

❌ Not Affected by the Foreign Buyer Ban

Canada’s federal ban on foreign ownership of residential properties in urban centers doesn’t apply to Whistler. That means:

✅ You can buy here as a US citizen
✅ There are no extra taxes for non-Canadians (unlike Vancouver or Victoria)
✅ Whistler is exempt from the provincial Speculation and Vacancy Tax and the Empty Homes Tax

But – make sure you work with a local expert who understands Whistler’s unique zoning rules (more on that below).

What Kind of Property Can You Buy?

• Detached Homes: Found mostly in neighbourhoods like Alpine Meadows, Whistler Cay, and Emerald Estates

• Townhomes & Condos: Popular in Whistler Village, Benchlands, and Creekside

• Phase 1 & Phase 2 Properties: These are zoned for short-term rental, but each has restrictions. I’ll walk you through them.

• Strata Properties: Like HOAs in the US, strata properties come with bylaws, monthly fees, and shared maintenance

Financing as a US Citizen

Yes, you can get a mortgage in Canada as an American! Most US buyers put down 35% or more, and the process is surprisingly smooth when you work with the right broker.

Top Mortgage Brokers for US Buyers:

• Eileen Craig - Sea to Sky Mortages

• Logan Edgar, CIBC Mortage Specialist - 250-884-2175

Pro Tip: You’ll need a Canadian bank account and may need to provide more documentation than a Canadian buyer – but don’t worry, I’ve got people who’ll guide you every step of the way.

Legal Stuff (That You’ll Actually Care About)

Buying a home in Canada as a foreign national means you’ll need a lawyer – ideally one who knows how to work with American clients.

Top Real Estate Lawyers in Whistler:

• Race & Company LLP – Whistler’s largest law firm

• Mountain Law Corporation – Local, efficient, and friendly

• David R. Baker Law Corporation – Based in Squamish, also works with many Whistler clients

Your lawyer will handle:

• Title search & conveyance

• Property Transfer Tax (usually 2–3%)

• Cross-border documentation and ID verification

• Remote signing (yes, you can close from your living room in California or Texas)

Exchange Rates & Money Transfers

Take advantage of the CAD–USD exchange rate! It’s like a 25% discount on your dream home. Use a reputable currency exchange platform instead of your bank:

• KnightsbridgeFX

• OFX

These platforms offer far better rates than your standard bank and can save you thousands.

Cross-Border Tax Tips

Always consult with a tax expert who understands US/Canada treaties. You may need to report the property to the IRS and should plan ahead for:

• Rental income (if applicable)

• Capital gains

• Inheritance planning

Ask me for a list of trusted tax professionals familiar with international ownership.

The Buying Process: What to Expect

1. Connect with me (your friendly Whistler-based REALTOR®!)

2. Get mortgage pre-approval

3. Tour properties (in-person or virtually)

4. Make an offer (yes, we still negotiate in Canada)

5. Complete due diligence: inspections, strata docs, lawyer reviews

6. Close and celebrate – the keys (and après-ski) are yours!

Ready to Explore Whistler Real Estate?

I specialize in helping international buyers like you find the perfect vacation home, mountain escape, or investment property. Whether you're browsing or ready to buy this season, I’ll make the process seamless, stress-free, and fun.