Thinking about buying a home with a secondary suite in Nanaimo? Whether you're looking for a mortgage helper, space for family, or an investment opportunity, understanding the rules around legal and unauthorized suites is key. As a Nanaimo real estate expert, I’ve helped many buyers navigate this process—let’s break it down so you can make an informed decision.
Understanding Suite Types in Nanaimo:
Nanaimo’s zoning laws categorize secondary suites into three types:
Legal Suites – Built after February 7, 2005, with proper permits.
Authorized Suites – Pre-2005 suites upgraded for safety (but may have a Notice on Title).
Unauthorized Suites – No permits, which could mean future costs for legalization.
Before buying, always check the City of Nanaimo’s zoning bylaws to confirm the suite’s status.
Why a Legal Suite Matters:
Easier Financing & Insurance – Banks and insurers prefer permitted suites.
Higher Resale Value – Buyers pay more for fully compliant homes.
Avoid Surprise Costs – Unauthorized suites may require costly upgrades.
Key Considerations When Buying:
✔ Verify Permits – Ask for documentation or check with the City of Nanaimo Building Inspections.
✔ Inspect for Safety – Ensure proper fire separation, exits, and ventilation.
✔ Check Parking & Utilities – Some zones require extra parking; utilities may need upgrades.
Thinking of Renting Out the Suite?
Nanaimo’s rental demand is strong, but ensure your suite meets BC Building Code standards. If you’re unsure, a pre-purchase inspection can save headaches later.
Final Tip:
Work with a local Realtor® (like me!) who knows Nanaimo’s suite regulations. I can help you find homes with legal suites or guide you through legalizing an existing one.
Ready to Find Your Perfect Home?
👉 Sign up for a custom Nanaimo home search here and get alerts for properties with suites!