The Generational Home Plan · Delta & Vancouver

Own a home for the price of half a home.

Two families buy one property together and convert it into a legal duplex, living independently, side by side. We handle the real estate, the build, the financing, and the legal split.

One home, bought and converted

$1,100,000

$1M house plus $100K conversionEach family's share · two titles · two front doors

Find your door →See if you qualify

Licensed realtor, Greater Vancouver
Licensed, insured and bonded GC
WorkSafeBC covered
15+ years building
Two year workmanship warranty
One project manager, weekly updates
As-of-right under Bill 44
Two titles, two front doors
Conversion costs published
Realtor and builder, one point of contact
Record check before any introduction

The math, in the open

$1M to $1.4M

Detached home

$100–500K^*

Renovation

Families

$550K

Your share, from

Less than most Vancouver condos, with a yard, the square footage, and your family close by. We publish the real numbers on purpose.

*The renovation range is a starting figure, not a quote. Every project is priced after a site visit.

Two companies, one plan

Every project begins in real estate, then hands off to the build.

Holden Homes finds and structures the purchase. Construct by Nuthatch designs, permits and builds the split. Same team, same plan, one point of contact through both halves.

Holden Homes

Construct by Nuthatch

Two doors. One foundation.

Which door is yours?

01Family / Multigenerational

You own a house. Let's split it.

Convert a home you already own into an up/down duplex. Grandparents age in place on the accessible main floor; the next generation finally owns, upstairs.

Start the Home Assessment →

02Matched co-buyers

Join our co-buyer list.

Two households pool their power to buy a home neither could afford alone, and split it into two, each family with its own title, mortgage, and front door. We'll match you if you need a partner.

Join the co-buyer list →

03Investors

Buying to convert.

The acquisition and the build, under one roof.

Cam holds both licences, realtor and general contractor, so the offer, the permits, the budget and the build answer to one person. Under Bill 44 most Delta and Vancouver lots convert as-of-right: no rezoning, no public hearing, no council timeline. Our conversion costs are published on this page, so you can underwrite before you write an offer.

As-of-right: No rezoning required
Two titles: Two exits, or hold and rent
$280–580K: Typical conversion, published

Start an investor conversation →

Two young families standing outside a modern duplex, one family at each of its two front doors — Two families on one lot, each with their own front door.

Floorplan diagram of a duplex split into Unit A and Unit B with separate entries — The privacy split, with separate entries, separate living, one foundation.

Bill 44 eligibility

Your home is probably already two homes.

Since BC's Bill 44, most Delta and Vancouver lots can convert to a duplex, with no rezoning, no public hearing, no council approval. Check your address in 60 seconds.

24,124 eligible lots$0 to rezone3–6 units

Diagram: a single legacy house on the left converting into a modern two-unit duplex on the right — The Bill 44 shift, where one aging house becomes two legal homes on the same lot.

Everything under one roof

Everything under one roof, from the offer to the keys.

Real estate

Search, offers, and negotiation from a licensed Greater Vancouver realtor.

Legal structure

Separate titles, strata or duplex agreements, drafted with your lawyer.

Financing

Lender introductions built for two households on one property.

Design

Floor plans that give each family a real home, not a divided one.

Permits

Municipal applications in Delta and Vancouver, handled end to end.

Construction

One PM, weekly updates, a two-year workmanship warranty.

Strata registration

Two legal addresses, two titles, two front doors.

Co-buyer matching

Screened introductions when you need a partner household.

Transparent investment

Simple levels, real numbers.

A finished lower level suite with its own kitchen, dining area and living room, lit by full height windows at ground level

Level 1

Interior suite conversion

$150k+

Converting existing basement or lower level space into a fully legal secondary suite.

Separated entrances
Full kitchen and bath
Soundproofing upgrades
Bill 44 compliance

Request feasibility

A dark clad modern addition built onto the side and rear of an older painted timber house

Level 2

Secondary suite addition

$350k+

Structural additions or significant layout changes to add density to your current footprint.

Increased living area
High-efficiency design
CleanBC rebate eligible
Modern architectural finish

Request feasibility

A two storey laneway house with cedar cladding and a glass balcony, lit from inside at dusk, across a lawn from the main house

Level 3

Laneway and full split

$550k+

Ground-up laneway housing or full vertical duplex splitting for maximum equity gain.

Detached ownership potential
Maximized asset value
Family ecosystem layout
Turn-key construction

Request feasibility

*Starting figures for the build, not quotes. Every project is priced after a site visit.

Financing

A $1.2M home, split 50/50, is $600K a family.

Financing is where the affordability objection usually disappears. Purchase-plus- improvement programs, suite refinances and federal credits let two households carry a renovation that neither could carry alone.

Purchase Plus
ImprovementsLearn more

Scotiabank
STEPLearn more

CMHC suite refinance
(up to 90% LTV)Learn more

Federal MHRTC,
$7,250Learn more

Two other things change the monthly number: a suite on the property earning rent, and the credits available when the work is done for an ageing parent.

What a suite brings in.

A suite on the property earning rent, applied against the monthly payment.

$2,000 to $3,500+

per month

$0$2,000$3,500

$24,000 to $42,000 a year

the same rent over twelve months

What the credits add back.

Credits available when the work creates a home for an ageing parent.

Federal Multigenerational Home Renovation Tax Credit

up to $7,250

14.5% of eligible costs, to a $50,000 maximum

BC Home Renovation Tax Credit for Seniors and Persons with Disabilities

up to $1,000

10% of eligible costs, to a $10,000 maximum, each tax year

Up to $8,250 between them

where a project qualifies for both

Federal figures from the Canada Revenue Agency, provincial figures from the Province of British Columbia. Which credits apply to a given project is confirmed with your accountant.

*These are the programmes commonly used for this kind of purchase. The details that apply to you are confirmed with a lender or your accountant for your own situation rather than promised up front.

A market first in Delta & Vancouver

The Co-Buyer Matching Program

01
Apply online
A short form about your budget, timeline and how you want to live.
02
Screening
Record check and a phone interview before anyone is introduced.
03
Profile card
No names or finances shared until both households consent.
04
Introduction
Coffee, on mutual consent, with no pressure and no obligation.
05
Move forward
We take it from offer to permits to keys as one project.

Elevated view of a fenced backyard divided down the middle into two private patios and lawns, one for each household

Why families do this

Close enough to help. Private enough to breathe.

Grandparents age in place with a garden and a ground-floor entrance. The next generation finally owns. One yard, two front doors, and everyone living exactly how they want.

Cam Holden, licensed realtor and builder

Meet Cam Holden · Realtor & Builder

One steady guide, from the first offer to the front door.

Bringing two families into one home is a big step. Cam's job is to make it feel like a clear, well-paced plan. Because he's both a licensed realtor and a licensed builder, he reads the purchase and the renovation as one story, seeing what's ahead, keeping the budget steady, and guiding each decision with fifteen years of experience behind it.

You're never passed between people or left wondering what comes next. Just one calm, capable point of contact who keeps things moving and always tells you where you stand.

Realtor + builder: 2-in-1Realtor + builder
Years of experience: 15+Years of experience
Point of contact: 1Point of contact