How subjects work
Subjects are waived in writing when they are satisfied. If a subject is not waived by its deadline, the contract does not complete and, under the standard form language, the deposit is returned to the buyer. Always check the exact wording of the form and any addenda you are using.
Subject to financing
This gives the buyer time to secure a mortgage commitment. Spell out the deadline and, where relevant, the loan amount. Encourage buyers to have a pre-approval in place before they offer: for a pre-approved buyer the subject is a formality, and for an unqualified buyer it is a risk to the deal and to the relationship with the seller.
Subject to inspection
This lets the buyer have the home inspected by a qualified inspector and walk away based on the findings. Advise buyers to attend the inspection and read the whole report before deciding.
An inspection subject is protection against unknown material defects. Using it as a renegotiation lever in a competitive market can damage a buyer's standing with the listing side.
Subject to title review
This gives the buyer's lawyer or notary time to review the registered title for liens, easements, rights of way and other encumbrances that could affect use or value. Strata lots can carry non-standard charges and older properties can have historic easements. It is worth recommending on every purchase.
General information for BC real estate agents, published 2026-10-27. It is not legal or tax advice, and rules and forms change, so confirm details with your brokerage, the BC Financial Services Authority or a lawyer.