Congratulations on your new home! Whether you’re a young family in Vancouver unpacking boxes in your first house, a single professional settling into a condo, or a first-time buyer of any age, the early days of homeownership are both exciting and overwhelming. You’ve navigated the home purchase process and finally have the keys in hand. Now you might be wondering: What comes next? This month-by-month guide will walk you through what to expect in your first 30, 60, and 90 days as a new homeowner.We’ll cover practical steps for home care, managing your budget and expenses, setting up insurance and loan payments, working with your real estate team, planning property improvements, managing credit and income, setting homeowner goals, understanding closing costs, and handling day-to-day responsibilities. Our aim is to help you transition from home buyer to confident homeowner with simple, step-by-step advice in a friendly tone. Let’s dive in!

The First 30 Days: Settling In and Getting Organized

Your first month as a homeowner is all about settling into your new home, getting organized, and tackling immediate tasks. It’s an exciting time, but also a period of adjustment as you shift from the buying phase into living in the property you purchased. Here’s what to focus on in those initial 30 days:

• Secure your home and prioritize safety. Change locks, update alarm codes, and test all smoke and carbon monoxide detectors. Learn how to operate your water shut-off, gas valve, and breaker panel.
• Take care of urgent home maintenance. Make a list of repairs, fix what you can now, and schedule the rest. Set up a maintenance calendar with seasonal tasks.
• Deep clean and organize your space. Clean every surface, appliance, and nook before settling in. Set up organizing systems that will help your routine long term.
• Get your utilities and services up and running. Transfer or initiate service for hydro, gas, internet, garbage collection, and any home security systems.
• Organize important documents and understand your closing costs. File away your mortgage documents, deed, home inspection report, and receipts. Review your closing statement to see where your money went.
• Set up your financial plan and budget. Note your mortgage payment due date and adjust your budget for all recurring home expenses. Set up automatic payments where possible.
• Review your insurance coverage. Check that you have adequate homeowner's insurance, and consider earthquake or flood insurance if appropriate.
• Change your address and update accounts. Notify banks, the CRA, employers, subscriptions, schools, and more of your new home address.
• Get to know your new neighborhood. Explore your local area, introduce yourself to neighbors, and find the nearest grocery stores, parks, and transit options.
• Lean on your real estate team for support. Your agent, mortgage broker, and lawyer are still valuable resources after closing.
• Pace yourself and enjoy your new home. Don’t rush perfection. Take time to unwind and feel proud of this new chapter.

Days 31–60: The Second Month – Adjusting and Planning Ahead

After the whirlwind of the first month, the next 30 days are about settling into a routine and planning for the future.

• Establish your day-to-day routines and responsibilities. Create regular schedules for maintenance, chores, and strata interactions.
• Revisit your budget after the first bills arrive. Compare real numbers to your projections. Adjust if necessary and build your emergency fund.
• Make your first mortgage payments (and plan ahead). Ensure your payment processed correctly and consider prepayment strategies if allowed.
• Continue working with your real estate team as needed. Don’t hesitate to ask for contractor referrals or clarify warranty timelines.
• Start planning property improvements and personalization. Build a wish list, prioritize projects, and start light DIYs.
• Manage your credit and new expenses wisely. Avoid taking on new debts, monitor your spending, and pay off any recent credit purchases.
• Get involved in your community and meet the neighbors. Attend local events, join community groups, and participate in online forums.
• Learn the local rules and routines. Understand strata bylaws, garbage day schedules, noise regulations, and city services.
• Take care of administrative follow-ups. Register warranties, apply for the Home Owner Grant, and update your ID and voter registration.
• Reflect on your homeowner goals. Document your short and long-term goals for your home and lifestyle.

Days 61–90: The Third Month – Settling In and Looking Forward

Three months in, your new house begins to feel like home. Here’s how to close out your first 90 days with intention:

• Embrace the feeling of “home.” Celebrate milestones and enjoy the routines you've established.
• Tackle small improvements and personalization. Paint, swap fixtures, update hardware, and decorate according to your style.
• Plan for larger projects and long-term improvements. Get estimates, research permits, and save for major renovations.
• Conduct a three-month maintenance check-up. Change HVAC filters, inspect gutters, test safety alarms, and review plumbing.
• Reevaluate your budget and expenses. Adjust based on your spending trends and prep for semi-annual payments.
• Maintain healthy habits for credit and income management. Avoid unnecessary debt, track your credit score, and continue growing your income.
• Stay connected with your real estate market (casually). Monitor neighborhood sales, subscribe to newsletters, and track relevant trends.
• Celebrate your progress and set new homeowner goals. Reflect on what you’ve achieved and keep planning your future.

Conclusion: Your New Home, One Day at a Time

In just three months, you’ve grown from a homebuyer to a confident homeowner. From mortgage payments and maintenance checklists to getting to know your neighbors and making your house a home, you’ve laid the foundation for long-term success.Homeownership in Vancouver is a journey, not a race. Take pride in what you’ve accomplished and stay open to learning as you go. Whether you're hosting your first gathering, fixing a leaky faucet, or saving for a renovation, you're building equity and creating memories. Here's to a lifetime of fulfilling homeownership — one day at a time.If you're looking to buy or sell a home in Vancouver, or simply want expert advice as a new homeowner, reach out to Adam Chahl. As an award-winning Vancouver Real Estate Agent with Oakwyn Realty and founder of the PLACE Real Estate Team, Adam is committed to helping you make smart moves in the real estate market. A proud member of the Medallion Club, Adam has helped countless families and individuals successfully navigate the buying and selling process. Let’s connect and make your real estate goals a reality.