The Toronto skyline and CN Tower lit up at dusk, seen across Lake Ontario
Headshot of Jaswinder “Jas” Jajwan, Sales Representative with Right at Home Realty

Jaswinder “Jas” Jajwan · Sales Representative

The GTA home you want, with the numbers actually explained.

I help buyers and sellers across the Greater Toronto Area — and because I also build homes and arrange mortgages for a living, you get one person who can walk you through the property, the financing, and the paperwork.

Right at Home Realty Inc., Brokerage · Serving Toronto & the GTA · jajwan.com

GTA market snapshot — October 2026

5,603
Homes sold across the GTA
▼ 7.9% vs. Oct 2025
$1,024,108
Average selling price
▼ 2.7% vs. Oct 2025
$916,400
MLS® HPI benchmark price
▼ 4.3% vs. Oct 2025
14,173
New listings
▼ 11.9% vs. Oct 2025

Source: Toronto Regional Real Estate Board (TRREB), Market Watch — October 2026, released November 4, 2026. Sales and prices edged up from September on a seasonally adjusted basis. Read the full TRREB release (PDF).

Professional headshot of Jaswinder “Jas” Jajwan smiling in a houndstooth blazer
Jaswinder “Jas” Jajwan — Sales Representative, Right at Home Realty Inc., Brokerage, serving Toronto and the GTA.

About Jas

Three trades. One point of contact.

Most agents see a home only through the listing. I come at it from three directions at once: I have over two decades of construction experience and continue to be involved in high-rise and commercial construction, I run a mortgage practice through Orange Mortgage, and I represent buyers and sellers with Right at Home Realty. That mix changes the advice you get.

I help buyers and sellers at every stage — whether you’re a first-time buyer, upsizing or downsizing, or relocating to or within the GTA. For investors, that includes rental properties and fixer-uppers, and I also work with land and commercial properties across both the residential and commercial sectors — including leasing, commercial and residential.

When we walk through a house, I’m looking at the structure, the mechanicals and the renovation potential — not just the staging. When we talk price, I can show you what the payment actually looks like at today’s rates, and what a rate move would do to it. And when it’s time to negotiate, you’re dealing with someone who reads contracts and budgets for a living.

  • Real Estate

    Sales Representative, Right at Home Realty Inc., Brokerage — buyers, sellers and first-time purchasers across the GTA.

  • Construction

    Over two decades of construction experience, with ongoing involvement in high-rise and commercial construction — costing, scheduling and tendering. Useful when a home needs work, or a pre-construction contract needs a second set of eyes.

  • Mortgages

    Mortgage broker and owner of Orange Mortgage (FSRA licence #13404) — pre-approvals, refinancing and self-employed borrowers.

How I can help

Buying and selling, handled end to end

No pressure and no scripts — a clear plan, honest numbers, and quick follow-up at every step.

01

Buying a home

We start with a real pre-approval so you know your ceiling before you fall for a place. Then targeted searches, private showings, and offers built on comparable sales — not guesswork. I’ll flag the things photos hide: aging roofs, knob-and-tube wiring, finished basements without permits.

02

Selling your home

Pricing from recent comparable sales on your street, a prep list that spends money only where it comes back, and marketing that leads with professional photos and the features buyers in your area actually pay for. You’ll always know what’s happening with showings and feedback.

03

First homes & new builds

First purchases come with programs most buyers never hear about — tax-free savings accounts, RRSP withdrawals, land transfer tax refunds and the new GST/HST rebate on new homes. I make sure every one you qualify for is claimed. Details in the first-time buyer guide below.

04

The mortgage, under the same roof

Because I’m also a licensed mortgage broker, your financing isn’t a handoff to a stranger. Pre-approval, rate holds and document checklists are handled alongside your purchase, so closing day has no surprises from either side of the deal.

New home buyers

Your first home, step by step

Buying your first home in Ontario is very doable — it just has more moving parts than anyone warns you about. Here is the order things actually happen in, and the government programs that can put real money back in your pocket.

  1. 1

    Get pre-approved first

    A lender reviews your income, debts and credit and confirms what you can borrow, usually with a rate hold of 90–120 days. This is free, and it’s what makes your offers credible to sellers.

  2. 2

    Build the down payment

    Minimum down payment is 5% on the first $500,000 and 10% above that (20% at $1 million or more). The FHSA and RRSP Home Buyers’ Plan below can shelter a big part of it from tax.

  3. 3

    Search, offer, conditions

    We tour homes that fit the budget, then offer with the conditions that protect you — financing and a home inspection at minimum. In a slower market like this fall’s, conditions are back on the table.

  4. 4

    Budget the closing costs

    Land transfer tax, legal fees, title insurance and utility setup typically add 1.5–4% of the price. Use the calculator below to see your land transfer tax before you offer.

  5. 5

    Closing day

    Your lawyer registers the home in your name, the lender funds the mortgage, and you get the keys — usually by late afternoon. Then the programs below get claimed, if they weren’t applied at closing.

An agent handing a set of keys to a smiling couple in front of their new brick home
Closing day — the moment the keys change hands.

First Home Savings Account (FHSA)

$40,000

Save up to $8,000 a year, $40,000 lifetime. Contributions are tax-deductible and withdrawals are tax-free when used to buy a qualifying first home. Open one before you start shopping — carry-forward room only builds once the account exists.

RRSP Home Buyers’ Plan (HBP)

$60,000

Withdraw up to $60,000 from your RRSP tax-free for a first home — $120,000 for a couple. You have 15 years to repay it, starting the second year after withdrawal.

Land transfer tax refunds

Up to $8,475

Ontario refunds up to $4,000 of its land transfer tax to first-time buyers, and the City of Toronto refunds up to $4,475 of its own tax. Buy in Toronto and qualify for both, and up to $8,475 comes off your closing costs.

GST/HST rebate on new homes

Up to $130,000

For new or substantially renovated homes: the federal first-time buyers’ rebate removes the 5% GST portion — up to $50,000 on homes up to $1 million, phasing out by $1.5 million — and Ontario matches the 8% provincial portion up to $80,000. Applies to purchase agreements signed on or after March 20, 2025.

Program amounts and eligibility rules are set by the Government of Canada, the Province of Ontario and the City of Toronto and can change; confirm your eligibility with your lawyer or accountant before relying on them. This page is general information, not financial or legal advice.

Ontario land transfer tax calculator

Enter a purchase price to estimate the land transfer tax due on closing — and what a first-time buyer gets back.

Ontario land transfer tax
$0
Estimated tax on closing
$0

Estimate only, using Ontario’s standard marginal rates (0.5% / 1% / 1.5% / 2%) and Toronto’s matching rates. Exemptions and special cases aren’t included — your lawyer confirms the exact amount before closing.

Thinking of selling?

Find out what your home is worth in this market

Average prices don’t sell houses — comparable sales on your street do. Send me your address and I’ll prepare a proper evaluation: what similar homes near you actually sold for this fall, how long they took, and what yours would likely fetch listed today.

Request a free home evaluation

A bright, modern living room with a grey sofa, wooden coffee table and tall windows letting in sunlight
Presentation matters: bright, uncluttered rooms photograph better and sell faster.

Market news

Recent media releases

The releases that are actually moving GTA housing right now — from the Toronto Regional Real Estate Board, the Bank of Canada and CREA.

TRREBNovember 4, 2026

Inflation and Borrowing Costs Impacted October GTA Real Estate Market

GTA REALTORS® reported 5,603 home sales in October, down 7.9% from a year earlier, while new listings fell faster — down 11.9% to 14,173. The average selling price was $1,024,108 (down 2.7%) and the MLS® HPI benchmark fell 4.3%. On a seasonally adjusted basis, both sales and prices edged up from September — a sign the market may be stabilising even as buyers stay cautious.

Read the release (PDF) →
Bank of CanadaOctober 28, 2026

Bank of Canada raises the policy rate by 25 basis points to 2½%

The Bank raised its policy rate for the first time since July 2023, citing inflation stuck around 3% on high energy prices. Lenders’ prime rate moved to 4.70%, which raises payments on variable-rate mortgages and HELOCs. The Bank said further increases are possible but it will “proceed carefully.” Next decision: December 9, 2026.

Read the release →
CREAOctober 16, 2026

CREA Revises Resale Housing Market Forecast

The Canadian Real Estate Association cut its 2026 forecast to 444,530 home sales nationally — down 5.2% from 2025 — with the national average price expected to edge up just 0.2% to $681,681. CREA sees a recovery in 2027, with sales forecast to climb 4.4% to 464,235. For Ontario, the average price is expected to fall about 3% this year.

Read the release →

Contact

Let’s talk about your next move

Buying, selling, or just trying to make sense of this market — call, email, or send the form and I’ll get back to you the same business day.

Headshot of Jaswinder “Jas” Jajwan
Jaswinder “Jas” Jajwan
Sales Representative · Right at Home Realty Inc., Brokerage
Call or text
416-230-2920

The fastest way to reach me — if I’m on a site or in a showing, leave a message and I’ll call back.

Email
info@jajwan.com

For evaluations, document checklists, or anything you’d rather have in writing.

Brokerage
Right at Home Realty Inc., Brokerage

Jaswinder Jajwan, Sales Representative · Serving Toronto and the Greater Toronto Area.

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