The right home is a search away.
Tell Ravinder what you're looking for — and hear about it before the portals do.
Home / Buy
Twenty-plus years in Waterloo Region means Ravinder knows the schools, the commutes, the flood plains and the future construction — before you fall in love with the kitchen.
Your personal search
Tell Ravinder what you're looking for and she runs the search on her MLS® tools — the same feed the portals draw from, but hours-to-days earlier.
Ravinder replies personally — usually the same day.
First-time buyers
Canada and Ontario quietly offer first-time buyers tens of thousands of dollars in tax savings and rebates. Ravinder walks every first-time client through the full list.
First-time buyers can get up to $4,000 of Ontario's land transfer tax refunded — which fully covers the tax on homes up to about $368,000 and takes a big bite out of it above that. Try the calculator →
Save up to $8,000 per year (lifetime $40,000) for a down payment. Contributions are tax-deductible like an RRSP and withdrawals for your first home are tax-free like a TFSA — the best of both.
Withdraw up to $60,000 from your RRSP tax-free toward your first home (double that for a couple), repayable over 15 years.
First-time buyers can now get 30-year amortizations on insured mortgages, and the minimum down payment is 5% on the first $500k of the price. Ravinder will connect you with mortgage brokers who make the numbers plain.
Program rules and amounts change — figures above are a starting point, not financial advice. Ravinder and your mortgage professional will confirm exactly what you qualify for.
New to Canada?
Mortgages with a short credit history, newcomer programs at the banks, how offers and deposits work here — Ravinder has guided many newcomer families through their first purchase, step by step.
"Ravinder is simply the best realtor I could've asked for — so kind and incredibly attentive to my needs. I recently moved from Germany to Canada for work, and being new to Cambridge, I was struggling to find a place."
Major Canadian lenders have programs for new permanent residents and work-permit holders — often with less credit history required than you'd expect.
Deposits, conditions, closing dates and what "firm" really means — explained before you're in a live negotiation, not during one.
Lawyer, mortgage broker, inspector — Ravinder connects you with professionals who are patient, plain-spoken and easy to reach when you have questions.
Common questions
The questions every buyer asks in the first call — answered straight.
Run the numbers first →Minimum 5% on the first $500,000 of the price and 10% on the portion above that (up to $1.5M). Under 20% down, mortgage insurance is added — the calculator on this site shows the effect.
Yes — it's free, it locks a rate for 90–120 days, and it tells us your real budget so we only tour homes you can actually buy.
In most transactions the seller's side pays the buyer-agent commission, so Ravinder's guidance typically costs you nothing out of pocket. How compensation works is explained and put in writing before you commit to anything.
It's a lifestyle and budget question — condo fees, maintenance, resale patterns all differ. Ravinder will lay out the real monthly cost of each option side by side.
Tell Ravinder what you're looking for — and hear about it before the portals do.