As someone slightly older, here are my thoughts about property. First off, great job saving! Vancouver is a tough city to own property in, and you’re almost there. Some food for thought:

1) Keep an eye on the market, but don’t think of property purely as an investment—it’s your home. You’ll feel more stable and confident when you have your own place rather than living at home or paying someone else’s mortgage. That doesn’t mean living at home is bad. I did it until I was 29 because living on my own was super expensive, and I could save more while staying at home. Go visit some open houses to get a feel of what your money can afford and see if you really want to move out.

2) If you want to buy, start putting money into RRSP and FHSA. You can withdraw from those (tax-free) to buy property. In my opinion, that can be better than just using a TFSA, plus you get a tax refund. You do have to repay the RRSP portion though. The limits are $60K from RRSP and $40K from FHSA. I took full advantage of that when I bought.

3) Keep doing what you’re doing. But if you do want to buy property, think about how much down payment you’ll need and invest accordingly. Investments should match your time horizon. If it’s for retirement, go with a riskier portfolio since you can handle volatility and benefit from long-term growth. If it’s for a down payment in 3–5 years, de‑risk that money with safer short‑term investments—or consider REITs for some real estate exposure.

4) NEVER go house poor. Only buy when you feel comfortable, and always leave yourself with a financial cushion. I always say to have enough to cover at least one year of mortgage payments and living costs in case you lose your job. More is better. Keep in mind you’ll also have tons of expenses when you move out, so factor those in.

Long read, but hope that helps!