Straight answers about buying, selling, and working with Tej across the GTA.
In Canada the minimum down payment is 5% on the first $500,000 of the purchase price, and 10% on the portion between $500,000 and $1,500,000. Homes priced $1.5M and over generally require 20% down. Down payments under 20% require mortgage default insurance (CMHC). I'm happy to walk through the exact numbers for your situation.
Yes — a mortgage pre-approval tells you your budget, locks a rate for a set period, and makes your offers stronger. It's different from a pre-qualification, which is just an estimate. I can connect you with trusted mortgage professionals to get pre-approved before we start.
Beyond the down payment, budget roughly 3%–5% of the purchase price for closing costs: Ontario (and Toronto) Land Transfer Tax, legal fees, title insurance, home inspection, and adjustments. First-time buyers may qualify for Land Transfer Tax rebates. Try my Land Transfer Tax and Closing Cost calculators for an estimate.
Typical selling costs include the real estate commission plus 13% HST, lawyer fees, any mortgage discharge or penalty, and closing adjustments. My free Seller Net Sheet calculator estimates exactly what you'll keep after the sale.
I serve families across the Greater Toronto Area and surrounding regions — including Mississauga, Brampton, Caledon, Oakville, Milton, Burlington, Vaughan, Ajax, Pickering, Whitby, Oshawa, Barrie, Kitchener, Waterloo, Cambridge, London, and the Niagara region.
I speak English, Hindi, and Gujarati fluently — so you can discuss contracts, mortgages, and negotiation strategy comfortably in your first language.
Call or text 647-684-1731, message me on WhatsApp, or use the contact form. I respond to all inquiries within 24 hours, usually much sooner — for buyers, sellers, investors, or anyone just exploring their options.
It varies, but buyers often spend a few weeks to a few months finding the right home, with a typical closing 30–90 days after an accepted offer. Sellers can often go live within days of our first meeting once the home is ready. I'll build a timeline around your needs.
I'm happy to help — in English, Hindi, or Gujarati. No pressure, no obligation.
Ask Tej a question →We use cookies to understand how visitors use our site and to improve your experience. You can accept all cookies, or continue with only the essentials. Learn more.