Ontario South Asian Real Estate Magazine featuring Sukh Sandhu by sahealthmag

Motorcycle Ride for Charity Ontario Realtor Cares Foundation

CREA Dials Back 2025 Housing Forecast

Special BC Feature: Neena Mann

THE FUTURE IS BUILT HERE:

SUKH SANDHU

LEADS A NEW WAVE IN CANADIAN DEVELOPMENT

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PUBLISHERS NOTE

As the Fall season begins in the coming weeks, we find ourselves entering a time of change and new opportunities. Much like the seasons, Ontario’s real estate market continues to shift and evolve. Rising interest rates, changing housing demands, and new development projects are shaping the landscape across the province. For buyers, investors, and industry professionals alike, staying informed and connected has never been more important.

The purpose of the Ontario South Asian Real Estate Magazine has always been to serve as a trusted resource for our community. Whether you are a professional seeking to expand your network or a buyer and investor looking to make informed decisions, our publication connects you with credible experts and voices who are shaping the real estate industry. By spotlighting thought leaders and innovative businesses, we aim to empower the South Asian community with knowledge and opportunity.

In this issue, we are proud to feature Sukh Sandhu of Sandhu Corp. on our cover. As a visionary in the real estate and land development industry, Sukh Sandhu has built a reputation rooted in integrity, growth, and communitybuilding. His journey and accomplishments serve as an inspiration not only to those in real estate but to entrepreneurs and professionals across all sectors. Through this feature, readers will gain valuable insights into his vision for the future of development and the role of South Asians in shaping Ontario’s real estate landscape. This season also brings an exciting community initiative—the upcoming Motorcycle Ride Charity Event organized by the Ontario Realtors Care® Foundation. This annual ride unites real estate professionals and community members for a meaningful cause, raising funds to support local charities across Ontario. It’s a powerful reminder that beyond the business of real estate, our industry has a shared commitment to giving back and strengthening the communities we serve.

We are also excited to bring you a special feature from British Columbia, highlighting Neena Mann, a trusted realtor and mortgage agent. With her expertise in both real estate and financing, Neena provides a unique perspective for buyers and investors navigating the BC market. Her story and professional insights reflect the growing influence of South Asian leaders across Canada’s real estate industry, and we are proud to showcase her contributions in this issue.

As we welcome the fall season, we encourage our readers to take advantage of the opportunities this time of year brings. Whether you’re looking to grow your professional network, invest in your next property, or simply stay updated on industry trends, this magazine is here to guide and connect you. We thank you for your continued support and wish you success and prosperity in the months ahead. Cheers!

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UPCOMING FEATURE COVER STORY

MANRAJ S. MUKKAR

PARTNER, CASSELS BROCK & BLACKWELL LLP

Manraj (Manny) Mukkar is an experienced lawyer and a partner in the Real Estate & Development Group at Cassels, a leading Canadian national law firm. Manny’s practice focuses on all aspects of commercial real estate law and general corporate matters in which he routinely acts on behalf of developers, vendors, purchasers, lenders, and borrowers on a broad range of complex commercial real estate transactions, with a particular concentration on acquisitions and dispositions of commercial properties, and commercial financing transactions involving all real estate asset classes.

Aside from managing a busy practice, Manny is active in the community contributing his time and experience by serving as a mentor to international students to help nurture their growth and assist with their transition into the Canadian legal market. Manny is also a member of his firm’s Inclusion & Diversity Committee and serves as co-chair of the Asian Affinity Group. He has also held various positions for the Sikh Foundation of Canada, a non-profit organization that seeks to promote Sikh history, arts, and culture.

Drawing from his substantial experience in a wide variety of transactional work, Manny prides himself on delivering professional, practical, and solution-driven advice which enables him to navigate complex legal issues to ensure the most optimal results for his clients.

CREA DIALS BACK 2025 HOUSING FORECAST

Even though home sales picked up for the second straight month in June, the Canadian Real Estate Association (CREA) is now forecasting a 3% drop in sales for the year compared to 2024.

The latest housing data shows the number of Canadian home sales rose 2.8% on a month-over-month basis in June, led by the Greater Toronto Area’s resurgence that has seen home sales climb 17.4% cumulatively since April.

“At the overall national level, June was kind of a carbon copy of May in a lot of ways,” said CREA’s Senior Economist Shaun Cathcart in the latest CREA Housing Market Report (watch below), “which is good, because it means sales were up again and prices held steady again, as opposed to falling.”

Cathcart said it’s “another month of evidence” to play into a turning of tides when it comes to Canada’s real estate landscape, which was previously seeing declines in sales and prices, while new listings were increasing. That wasn’t the case in June.

Before we get into more of the data, here’s what you need to know at a glance:

nNational home sales were up 2.8% month-over-month.

nThe number of newly listed properties fell 2.9% on a month-over-month basis, although inventory had been steadily climbing prior to June.

nThe actual (not seasonally adjusted) national average sale price was down 1.3% on a year-over-year basis.

nCREA has revised its forecast to project a 3% year-overyear decline in home sales

nCREA is forecasting a 1.7% drop in the national average price compared to 2024.

IS THIS A GOOD TIME FOR BUYERS?

Cathcart mentions how prices have stabilized after their recent correction. With more listings on the market, this typically helps tip the scales into a buyer’s favour, but there are other factors currently at play which may make an entry into homeownership more enticing.

Interest rates are trending downward as the Bank of Canada’s policy rate has been cut from 5% in April 2024 to 2.75% today. Experts are not forecasting another cut at the end of the month and have revised their expectations lower for a single cut by the end of the year. (The next interest rate announcement from the Bank of Canada is scheduled for July 30).

With inventory up 11.4% overall compared to last year, those who have job security and want to lock down a home for the long term could be finding a lot of value on their home hunt. For instance, take a look at Toronto’s condo market. The Toronto Regional Real Estate Board reports condominium apartment sales in the first quarter of 2025 amounted to 3,794 in the Greater Toronto Area, down 21.7% compared to 2024. And according to an Urbanation Inc. study published in the Financial Post, sales of new condominium apartments in Toronto are sliding to lows not seen in three decades.

Of course, a new tariff policy has recently been announced on Canada by U.S. President Donald Trump, but the effects of that are yet to be known.

“Most housing markets continued to turn a corner in June, although market conditions still vary considerably depending on where you are in Canada,” said Valérie Paquin, Chair of CREA’s 2025-2026 Board of Directors and a REALTOR® based out of Blainville, Quebec. “If the spring market was mostly held back by economic uncertainty, barring any further big shocks, that delayed activity could

very likely surface this summer and into the fall. If you’re looking to buy or sell a property in the second half of 2025, start planning with a REALTOR® in your area today.”

WHAT TRENDS ARE EMERGING IN CANADIAN REAL ESTATE?

CREA revised its 2025 forecast to reflect the tariff chaos and uncertainty that drove buyers back to the sidelines. First, let’s look at prices.

The national average home price is forecast to edge back by 1.7% on an annual basis to $677,368 in 2025, which is about $10,000 lower than was forecast back in mid-April. Only British Columbia and Ontario are forecast to see declines in the average home price this year, but the combination of those declines, along with fewer sales in those expensive provinces, was enough to offset price gains in all other provinces.

Looking even further ahead, the national average home price is forecast to increase by 3% in 2026 to $697,929. This would mark the sixth straight year where the national average home price remained in and around the $700,000 range.

As for forecasted sales, about 469,503 residential properties are expected to trade hands via Canadian MLS® Systems in 2025, representing a 3% decline from 2024.

British Columbia, Alberta, and Ontario are the only provinces forecast to post declines this year, slightly offsetting gains everywhere else. In 2026, national home sales are forecast to rebound by 6.3% to 499,081, putting activity back on track with what was expected in CREA’s April forecast. That said, it would still mark the fourth straight year for sales failing to crack 500,000, something that has only occurred seven times going back to the first recorded instance in 2007. CREA notes all forecasts are still subject to very high levels of uncertainty.

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SUKH SANDHU

Leads a New Wave in Canadian Development Purpose, Sustainability, and Bold Design — How this South Asian Developer is Setting New Standards in Real Estate

Sukh, can you share your journey into real estate development? What initially inspired you to pursue this path? Were there any key moments or mentors that shaped your early direction?

My journey into real estate development began at the age of 15 when I made my real estate deal with a desire to create more than just financial returns. I wanted to contribute something tangible and lasting to the communities around me. I was drawn to the idea that real estate, when thoughtfully executed, could uplift entire neighborhoods, provide better housing, and shape the way people live and interact. It wasn’t just about buildings; it was about impact.

What initially inspired me was witnessing how well-planned developments could transform underutilized spaces into vibrant, functional environments.

That realization sparked a deeper interest in the development process itself; how vision, planning, and execution come together to make something meaningful and enduring.

I was fortunate early on to have mentors in both construction and finance. From the construction side, I learned the importance of detail, timelines, and the tangible realities of building. From the finance side, I gained an understanding of how to structure deals, assess risk, and ensure projects were both viable and sustainable. These mentors helped me see how the creative and technical sides of development could align, and their guidance shaped how I approach projects to this day.

A key turning point for me was working on my first land assembly. That experience was a crash course in patience, negotiation, and vision. Bringing multiple property owners to the table, navigating zoning conversations, and watching the pieces slowly come together was both challenging and exhilarating. Seeing that deal materialize confirmed that this was where I belonged and it cemented my passion for the development side of the business and gave me a real sense of purpose.

Since then, each project has been a learning experience, but the core inspiration remains the same: to build with intention, to add value beyond the bottom line, and to leave a legacy that speaks to thoughtful, community-minded development.

What were some of the biggest challenges you faced in the early stages of your career, and how did you overcome them? Any lessons from those experiences that still guide your decisions today?

One of the biggest challenges I faced early in my career was navigating the municipal approval process. Understanding how to effectively collaborate with planners, architects, and city officials was a steep learning curve. I initially underestimated the complexity and the time it takes to move a project through the entitlement phase. This often led to frustration and unexpected delays.

Over time, I realized that success in this area requires more than technical knowledge; it demands patience, persistence, and strong interpersonal skills. Building genuine relationships at every level of the process has become one of the most valuable tools in my professional toolkit. I’ve learned that each stakeholder has a unique perspective and priority, and aligning those can take time but ultimately leads to smoother execution.

A key lesson that continues to guide me is that delays are an inevitable part of development. However, thorough preparation, proactive communication, and setting realistic timelines can significantly reduce their impact. I now approach each new project with a mindset rooted in flexibility and foresight, which helps manage expectations and keeps teams aligned.

These early experiences not only taught me how to manage uncertainty but also instilled in me a long-term view of success, one that balances strategy with collaboration and resilience.

Growing up in a South Asian household, were there cultural values or experiences that influenced your approach to business and leadership? How have those roots impacted your development style or company culture?

Absolutely. Growing up in a South Asian household had a profound influence on how I approach both business and leadership. From a young age, I was instilled with core values such as hard work, humility, and perseverance, ethics &principles that continue to guide me in every facet of my career. There was an unspoken understanding that success wasn’t just about personal gain; it was about how your efforts contributed to the greater good of your family and community.

Another value that shaped me deeply was respect. Respect for elders, for diverse perspectives, and for the people you work with. That’s had a direct impact on my leadership style. I strive to lead with empathy, to listen before I speak, and to create an environment where every voice feels valued, regardless of role or background.

There’s also a strong sense of interdependence in South Asian culture, the idea that your success is tied to those around you. I’ve carried that forward into the way I build teams and partnerships. I believe that real estate development, at its core, is a collaborative effort, and I try to foster a culture that prioritizes trust, loyalty, and shared purpose.

In terms of our development philosophy, those cultural roots have shaped a mindset that looks beyond the bottom line. Of course, financial viability is essential, but we also measure success by how our projects contribute to the urban fabric, how they support families, bring communities together, and offer long-term value. Whether it's prioritizing accessible green space, supporting local businesses through mixed-use planning, or building with sustainability in mind, we try to reflect that deeper sense of social responsibility in everything we do.

Ultimately, my upbringing taught me that leadership isn’t about being at the top, it’s about lifting others up along the way& giving back to the community. That belief continues to influence not just how I run my business, but also the kind of legacy I hope to leave behind.

What sets Sandhu Developments apart in a competitive market? Is there a core philosophy or approach that defines your work?

What sets Sandhu Developments apart in a competitive market is our unwavering commitment to purpose-driven development. We don’t just build structures; we curate experiences that are meant to serve communities for generations. Every project we take on is rooted in a philosophy of long-term value, thoughtful design, and community impact.

Our approach begins with precision; from land acquisition to final execution, we’re meticulous about every detail. But beyond that, we are deeply community focused. We take the time to understand the character of the neighborhoods we’re working in and design with intention, ensuring our developments not only blend in seamlessly but also elevate the environment and meet real needs. Whether it's incorporating walkability, green space, or family-friendly

layouts, we aim to create spaces that truly enhance the lives of those who use them. We’re not driven by volume. Instead, we prioritize quality over quantity. That means sustainable building practices, architecture that stands the test of time, and a value-add design philosophy that balances aesthetics with functionality. We pride ourselves on being able to see potential where others may only see challenges; whether it’s underutilized land or overlooked communities and turning those opportunities into meaningful, high-impact developments.

Our team also embraces innovation. We're adaptive in our thinking and proactive in leveraging emerging technologies and design trends to improve efficiency, livability, and environmental performance. Whether it’s through smart building systems, modular construction techniques, or eco-friendly materials, we constantly look for ways to push the envelope while remaining grounded in practical, investorminded decision-making.

Ultimately, what defines Sandhu Developments is our belief that real estate isn’t just about property; it’s about people. Our core philosophy is to build with heart, lead with vision, and deliver with integrity; values that have guided us from day one and continue to shape every project we pursue.

Can you highlight one or two past projects that you’re particularly proud of? What made those developments stand out in terms of design, impact, or personal significance?

One project that stands out for me is Queen’s Manor Event Center. This development represents more than just a land opportunity; it's a bold step toward redefining what hospitality can look like in a suburban context. We’re exploring the creation of a modern, luxury boutique-style event centersomething truly unique for the area. Traditionally, suburban hospitality has leaned toward conventional models, but we see this as an opportunity to introduce a more design-forward, experiencedriven offering that speaks to today’s travelers and local guests alike.

What excites me most is the blend of architectural sophistication with community integration. We have worked closely with designers and hospitality consultants to ensure the project not only meets functional needs but also becomes a cultural and visual landmark. It’s a statement of confidence in GTA’s evolution and a reflection of our belief that great design and innovation don’t need to be limited to urban cores.

Another project I’m particularly proud of is our hotel project in Huntsville. This one is deeply personal. It embodies our commitment to purpose-driven development; creating spaces that serve real, pressing community needs and we saw both a need and an opportunity to respond thoughtfully.

From the design of the common areas to the programming and amenities, every detail is being considered with the end user in mind.

Both developments, though very different in function, reflect the core of what SandhuDevelopments is all about; elevating under-served markets through thoughtful, forward-looking design, and ensuring our projects have a lasting, positive impact on the communities they serve.

How do you see the South Asian community influencing the evolution of real estate in Canada? Do you see a growing appetite for development or ownership within the community?

The South Asian community is playing an increasingly dynamic role in shaping the future of real estate in Canada, not just as homeowners or investors, but as active participants in development, planning, and urban revitalization. What’s especially exciting is the shift from simply participating in the market to leading within it.

There’s a noticeable generational momentum happening. The first wave of immigrants often focused on stability through homeownership, building equity and a foundation for their families. Now, we’re seeing the next generation channel that foundation into bolder, more strategic ventures; stepping into roles as developers, planners, financiers, and architects of future communities. There’s a growing appetite for creating rather than just acquiring and for shaping spaces that reflect both cultural values and modern design sensibilities.

This new wave of South Asian developers brings a unique perspective to the table. Many are combining deep-rooted values like family, community, and multigenerational living with forward-thinking ideas around sustainability, mixed-use development, and smart urban planning. They’re not afraid to challenge traditional models; whether it’s reimagining suburban density, incorporating cultural amenities into residential design, or investing in overlooked neighborhoods with long-term potential.

The impact is already visible,from residential subdivisions and commercial plazas to large-scale mixeduse projects. And as access to capital increases and professional networks expand, I believe this influence will only grow stronger. The South Asian community’s entrepreneurial spirit, resilience, and collaborative mindset are becoming a driving force in Canadian real estate — one that’s helping to diversify the industry and push it in new, innovative directions.

It’s an exciting time to be part of this movement. The contributions of South Asian developers aren’t just economic; they’re cultural and generational, shaping the built environment in ways that reflect a more inclusive and forward-looking vision for Canadian cities.

What advice would you offer to young professionals and aspiring entrepreneurs looking to make their mark in real estate or

development?

My advice to young professionals and aspiring entrepreneurs looking to make their mark in real estate is to start with a strong foundation and that begins with education and mentorship. Real estate development is a multifaceted industry that requires a working knowledge of zoning regulations, municipal processes, financing structures, construction logistics, and market dynamics. But above all, it’s a people business. The ability to communicate, build trust, and collaborate across disciplines is just as important as understanding numbers or blueprints.

One of the biggest mistakes I see newcomers make is rushing into deals without truly understanding the layers involved. Take the time to learn from those who’ve done it before you. Find mentors who can offer not just technical knowledge, but real-world insight; the kind that only comes from experience. Don’t be afraid to ask questions, listen more than you speak, and treat every meeting as an opportunity to grow.

Be prepared to adapt. Real estate is inherently cyclical; markets rise and fall, interest rates shift, policies change, and what works today might not work tomorrow. The professionals who succeed long-term are the ones who remain agile, keep learning, and aren't afraid to pivot when the landscape changes. Flexibility is not a weakness; it’s a strength that can open unexpected doors.

And perhaps most importantly, stay grounded. In this business, your name and your reputation are your most valuable assets. Deals will come and go, but integrity and strong relationships will carry you through the highs and the lows. Operate with transparency, honor your commitments, and treat people with respect; whether they’re investors, city officials, tradespeople, or tenants.

This is an industry that rewards long-term thinking. If you approach it with humility, persistence, and a clear sense of purpose, you won’t just build projects; you’ll build a legacy.

How do sustainability and community-building factor into your projects? Are there any initiatives you’re taking toward building greener or more inclusive spaces?

Sustainability and community-building are at the core of our development philosophy. In today’s landscape, building responsibly isn’t just a value-add; it’s an expectation from both communities and investors. For us, sustainability goes far beyond checking a box; it starts at the earliest planning stages and is woven into every aspect of design and execution.

From an environmental standpoint, we actively seek out ways to reduce our carbon footprint and build more resilient, energy-efficient spaces. This includes incorporating geothermal energy implementationin our next development, with high-performance building envelopes, using low-impact construction materials, and integrating renewable energy options where feasible. We also prioritize green roofs, stormwater management systems, and thoughtful landscaping to support urban biodiversity and reduce the environmental strain of our developments. Long-term livability is always the goal; ensuring that what we

But we believe true sustainability also means social sustainability; designing places that foster inclusion, connection, and a strong sense of belonging. That’s why community-building is always part of the equation. We’re intentional about creating diverse, livable spaces that reflect the needs of modern communities. That includes incorporating universal design principles, providing flexible unit layouts that accommodate different family structures, and designing shared spaces; like community gardens, co-working areas, and outdoor gathering zones that encourage interaction and connection. We also work with local stakeholders and community groups during planning phases to ensure we’re responding to real needs, not just assumptions.

One initiative we’re proud of is integrating mixed-use components that support local businesses and services, helping foster more self-sustaining, walkable neighborhoods. Whether it’s childcare centers, wellness facilities, or spaces for cultural events, we believe development should support the broader

Ultimately, we see our role as more than just builders; we’re stewards of the environments and communities we help shape. Sustainability and inclusion aren’t just strategies for us; they’re commitments that guide how

Real estate is often seen as high-stakes and fast-moving.

How do you maintain balance and clarity in both business and life? Any routines,

Real estate is indeed a high-stakes, fast-moving industry that can easily feel overwhelming if you don’t have a clear strategy for balance. For me, discipline is key, not just in how I manage projects but in how I manage myself. Every day, I make a conscious effort to carve out time for strategic thinking and self-reflection. This isn’t always

Whether it’s taking a walk outdoors, spending quality time with family, or simply unplugging from screens and work emails for a while, playing golf or taking time off from work, those moments help me reset and come back to the business with renewed focus. I’ve found that stepping away, even briefly, allows me to think more

trustworthy teams. Real estate development is never a solo endeavor; it requires collaboration across many different experts and disciplines. I’ve learned the importance of surrounding myself with people who are not only skilled but aligned with the company’s values and vision. Trusting my team and delegating effectively frees me up to focus on the bigger picture and prevents burnout.

I also rely on a philosophy of intentionality: being very deliberate about where I invest my time and energy. The industry can pull you in a million directions, so learning to say no and focusing on what truly matters has been critical. It’s about prioritizing quality over quantity; whether in deals, meetings, or personal commitments.

In addition, I try to maintain routines that support both mental and physical well-being. Regular exercise, mindfulness practices, and consistent sleep patterns all contribute to resilience in a demanding field. This holistic approach keeps me grounded and better equipped to handle the inevitable ups and downs of real estate development.

Ultimately, balance isn’t about perfect equilibrium; it’s about creating a sustainable rhythm that supports both professional success and personal fulfillment. It’s a continuous practice, one that requires ongoing adjustment, but it’s essential for long-term clarity and effectiveness in this fast-paced industry.

What’s your long-term vision for Sandhu Developments over the next five to ten years? Are there any flagship projects in the pipeline you’re excited to share with our readers?

KAM BRAR

ON A MISSION TO BUILD DREAMS

Tell us a bit about your background and what led you to become a mortgage broker. What inspired you to pursue this career, and how has your journey shaped your approach to helping clients in the current market?

I was born and raised in Toronto, Ontario, and currently live in Brampton with my husband and our two young children. My parents immigrated from Punjab, India, to Canada in the early 1980s in search of a better future. As the first Canadianborn girl in my family, I dreamed of becoming a businesswoman and one day owning my own company to help others. I pursued a career in law, eventually working with top defence and litigation firms in downtown Toronto at a very young age.

I worked on many cases during my legal career before deciding to make a major change.

I was seeking a new challenge and decided to transition into the mortgage industry. While many mortgage brokers come from backgrounds in banking or real estate, I entered this field with determination, a strong client base, and a network of referrals. I worked tirelessly to learn every aspect of the business, and failure was simply not an option. Today, I am proud to be a successful mortgage broker who helps clients navigate financial decisions and achieve their homeownership dreams.

A good mortgage broker stays upto-date with market trends, interest rates, and loan products to provide the best possible advice. I prioritize understanding each client’s unique situation so I can tailor solutions that meet their specific needs.

Can you give us an overview of the Ontario real estate market as we move into Spring 2025? What are some key trends you’re seeing in terms of mortgage rates, home prices, and demand?

Mortgage rates have fluctuated but are generally stabilizing. Central banks have taken a cautious approach, keeping rates moderate to encourage market activity.

Home prices remain high, particularly in urban centers like Toronto and Ottawa. However, the growth has slowed compared to previous years, leading to more balanced conditions

in some areas. There is still strong demand for housing, especially in suburban regions, as remote work continues to shape buyer preferences. Limited inventory contributes to competitive market conditions.

Some key trends include:

n A growing interest in sustainable, energy-efficient homes

n Increased popularity of condos and townhomes as more affordable alternatives

n Rising demand in secondary markets as buyers seek affordability and improved quality of life

Overall, the market remains dynamic, with evolving buyer behavior and economic conditions.

What are some of the key challenges first-time homebuyers are facing in Ontario’s current real estate market, and what strategies would you recommend to help them prepare for securing financing?

First-time homebuyers face several obstacles, including these challenges:

n High home prices, especially in major cities

n Difficulty saving for a down payment

n The need for strong credit scores to secure favorable mortgage rates

n Additional expenses such as closing costs and legal fees

Strategies for Credit Repair:

n Review credit reports regularly and dispute any inaccuracies

n Pay down high-interest debts

n Make consistent, on-time payments to build a strong credit history

Down Payment and Savings:

n Create and stick to a monthly budget

n Explore support programs like the FirstTime Home Buyer Incentive

n Use the Tax-Free First Home Savings Account (FHSA) to save with tax advantages

Closing Costs:

n Estimate and include costs like land transfer taxes, legal fees, and home inspections in your budget

n Set aside an emergency fund for unexpected expenses

Pre-Approval and Guidance:

Get pre-approved to understand your purchasing power

Work with a mortgage broker or advisor to receive personalized advice

Many first-time buyers are concerned about affordability. How can they best prepare for rising home prices, and are there specific programs or incentives available to help with down payments?

Preparation Strategies:

n Automate savings for your down payment

n Cut non-essential expenses

n Stay informed about market trends and property values

n Consider alternative neighborhoods or housing types

n Explore ways to boost income, such as side jobs or career growth

Programs and Incentives:

n First-Time Home Buyer Incentive: A shared-equity mortgage that helps reduce monthly payments

n Home Buyers’ Plan (HBP): Withdraw up to $35,000 from your RRSPs to buy a home

n Tax-Free First Home Savings Account (FHSA): Save up to $8,000 annually, up to $40,000 total

n Land Transfer Tax Rebates: Available to first-time buyers in Ontario

What are your thoughts on alternative financing options like co-ownership, joint mortgages, or rent-to-own arrangements?

These options can help buyers who are struggling with down payments:

Co-Ownership:

n Shared costs with family or friends

n Requires a clear legal agreement to outline responsibilities and ownership

Joint Mortgages:

n Combines incomes to increase purchasing power

n Important to establish legal and financial agreements

Rent-to-Own:

n Rent payments contribute toward future home purchase

Seek professional advice to understand the legal and financial implications of each option.

In a volatile market, fixed rates offer peace of mind. If you’re comfortable with risk and want potential savings, variable rates can work. Always consult a mortgage advisor. 5 6

n Ensure the contract clearly defines purchase terms and rent contributions

With the current market’s volatility, should homebuyers be considering fixed-rate or variable-rate mortgages more? Can you explain the pros and cons of both?

Fixed-Rate Mortgages:

Pros:

n Predictable monthly payments

n Protection from interest rate increases

Cons:

n Typically, higher initial rates

n Less flexible if rates decrease

Variable-Rate Mortgages:

Pros:

n Lower starting rates

n Potential savings if rates drop

Cons:

n Payments can increase with interest rate changes

n Greater uncertainty and stress

n Ongoing supply challenges 7 8

For clients who are looking to refinance or move into a new home, what advice would you give regarding current mortgage terms?

Refinancing Tips:

n Determine your refinancing goals (lower payments, debt consolidation, etc.)

n Compare offers from different lenders

n Calculate your break-even point to assess if refinancing makes financial sense

Moving Advice:

n Get pre-approved to lock in rates and define your budget

n If your mortgage is portable, consider transferring it to the new property

Protecting Against Rate Hikes:

n Choose a fixed-rate mortgage for stability

n Some lenders offer short-term rate holds

n Look for flexible mortgage terms

n Maintain an emergency fund for financial cushion

What do you predict for Ontario’s real estate market in the next 12 to 24 months? Should buyers and investors be cautious, or is now a good time to act despite some uncertainties?

Market Predictions:

n Moderate home price growth

n Stabilizing interest rates

n Continued demand in suburban and smaller urban areas

Advice for Buyers and Investors:

n Assess financial readiness and long-term goals

n Get pre-approved and act decisively in competitive markets

n For investors, conduct thorough market research and focus on long-term strategies

Opportunities exist for those who are prepared and well-informed.

Do you anticipate more inventory becoming available soon, or will buyers still need to be prepared for bidding wars?

While there may be gradual improvements, inventory shortages are expected to persist:

n New developments are in progress, but completion takes time

n Government initiatives may help, but effects won’t be immediate

Buyers should:

n Be ready for competition in popular areas

n Get pre-approved and consider flexible offer terms

n Expand their search to different neighborhoods or property types

What are your future plans? Where do you see yourself in 5 years?

I look forward to continuing this journey and working with more clients in the years to come. 9 10

In five years, I see myself continuing to grow professionally while expanding my business and knowledge. I’m passionate about promoting financial literacy, especially among Canadian youth. Teaching people how to manage debt, set financial goals, and invest wisely builds resilience and contributes to lifelong well-being.

My goal is to deliver exceptional service, simplify the mortgage process, and help clients find the best financing solutions. A mortgage is a long-term commitment, and I’m here to support my clients every step of the way.

“This company stands above the rest - quick to respond and shows up on time. I had pot lights put throughout my second floor and was amazed at how efficiently the work was done. Hossein was able to make great suggestions regarding placement that I would have never thought of. I highly recommend Hossein and his crew, and won't hesitate to use them again for future projects.”

1994

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NEENA MANN’S

SEAMLESS APPROACH TO REAL ESTATE

Meet the RealtorMortgage Agent Helping British Columbians Navigate the Market with Confidence

“In the competitive world of real estate and mortgage finance, few professionals manage to excel in both fields—Neena Mann is one of them. With more than 20 years of experience, a reputation built on trust, and strong ties to the community, Neena is a prominent figure in British Columbia’s housing market. As a dual-licensed Realtor and Mortgage Broker, she offers a rare, full-circle perspective on the home-buying journey. Fluent in both English and Punjabi, Neena effortlessly connects with a diverse range of clients, empowering first-time buyers, investors, and families with the knowledge and confidence they need to succeed”

Can you share your journey into real estate and Mortgage Brokering—what inspired you to pursue both paths?

I’ve always been passionate about helping people achieve their dreams, and homeownership is such a big part of that. I started in real estate first, and as I learned more about the process, I realized that understanding financing is just as critical as finding the right property. I pursued my mortgage license because I wanted to be a full-spectrum resource for my clients. Now, with over 20 years of experience and dual licenses, I can guide someone from start to finish— getting them pre-approved, negotiating on their behalf, and finally handing them the keys to their new home. It’s incredibly rewarding.

What unique challenges have you faced as a South Asian woman in the real estate and finance industry, and how did you overcome them?

Being a South Asian woman in this industry can come with added layers of expectation and pressure—especially in communities where real estate has long been a male-dominated field. I had to learn how to assert my voice, trust my knowledge, and be confident even in rooms where I was underestimated. Being fluent in both English and Panjabi helped me connect deeply with a wider range of clients, and my strong work ethic, transparency, and consistency helped me earn their trust. Now, as a Medallion Club member and one of the top 5 agents at RE/MAX Heights, I let results speak for themselves.

You've built a strong reputation in both real estate and Mortgage Brokering— how do you balance these two demanding roles?

It all comes down to systems and service. I’ve built a strong, reliable team and I rely on structure to make sure nothing slips through the cracks. Whether I’m acting as a Mortgage Broker or a Realtor, I treat each client’s journey as if it were my own. 1 2

5 6

My clients know I’m responsive, dependable, and here for them every step of the way. That’s what makes the dual role not only manageable but powerful.

What do you think sets you apart from others in the industry?

The dual expertise, hands down. Being both a Mortgage Broker and Realtor allows me to provide a truly fullservice experience, anticipating challenges and offering solutions others might miss. I'm also incredibly detailoriented—I don’t leave stones unturned when it comes to contracts, property research, or financing. I’m a strong negotiator, a problem solver, and most importantly, someone who always puts the client first. My reputation as a top producer and RE/MAX 100% Club member reflects that consistent commitment to excellence.

How

has the BC housing market

changed in recent years, and what advice do you have for buyers and investors navigating today’s climate?

The market has definitely evolved—there’s more volatility, and affordability is a real concern. Interest rates have shifted the dynamics, and buyers are more cautious. My advice? Get pre-approved early, know your numbers, and work with professionals who understand both the market and your long-term goals. For investors, it’s about being creative—explore areas with growth potential, and don’t overlook rental or multi-family properties. And above all, stay informed and strategic.

What

role does community play

in your success, and how have you contributed back to the South Asian community in BC?

Community is at the heart of everything I do. I’ve built a business on referrals and trust—especially within the Panjabi community, where I’m a familiar and trusted name. I give back through mentorship, sponsoring local events, and offering workshops to educate first-time buyers, particularly immigrants.

I’m also incredibly detailoriented—I don’t leave stones unturned when it comes to contracts, property research, or financing. I’m a strong negotiator, a problem solver, and most importantly, someone who always puts the client first.

Cultural sensitivity and bilingual communication have helped me connect on a deeper level, and it’s important for me to represent and empower my community through this work.

Can you share a memorable client story that had a lasting impact on you?

There’s one family I’ll never forget—a couple who had just immigrated and were told by others they wouldn’t qualify for a home. I took the time to review their financials in detail, created a plan, and got them into their first home within months. They were in tears when they got their keys. That’s what it’s about for me—empowering first-time buyers, especially those who may feel overwhelmed or discouraged by the process.

How do you stay ahead of market trends and continuously evolve in such a competitive industry?

I’m always learning—whether it’s through conferences, economic reports, or peer collaboration. I also invest in modern marketing tools and social media to boost property exposure and client reach. Being proactive, not reactive, is key in this industry. Staying ahead isn’t just about knowing the market—it’s about being ready before the market demands change.

What are some common misconceptions people have about either real estate agents or Mortgage Brokers that you’d like to clear up?

One big misconception is that all agents or brokers are the same. In reality, there’s a wide range in quality, experience, and ethics. Another myth is that Mortgage Brokers just shop for rates—when in fact, we’re strategists who tailor plans based on long-term goals. Realtors aren’t just showing homes either—we’re negotiating, advising, and protecting our clients’ interests. I’m proud to be seen not just as an agent, but as a trusted advisor.

In such a fast-paced industry, how do you maintain a work-life balance and prioritize your well-being?

It’s not always easy, but I’ve learned that I can’t pour from an empty cup. I make time for my family, set boundaries, and practice mindfulness to stay grounded. I’ve also learned to only take on what aligns with my values. My clients know I’m committed—but I’ve also learned that being present and well-rested helps me serve them better.

It’s not always easy, but I’ve learned that I can’t pour from an empty cup. I make time for my family, set boundaries, and practice mindfulness to stay grounded.

What advice would you give to young South Asian professionals— especially women—looking to break into the real estate or finance world?

Believe in yourself, even when others don’t see your vision yet. Be willing to put in the work, ask questions, and keep learning. Build a strong support system, find mentors, and lean into your cultural roots—they’re your strength. There's a space for you at the table, and your perspective is needed.

What’s next for you — any exciting projects or goals on the horizon?

I’m currently expanding my team and developing an educational platform to help more people—especially first-time buyers—feel confident navigating the real estate world. I’m also exploring real estate development opportunities. With my extensive referral network and deep market knowledge, I see a lot of growth ahead. This is just the beginning of the next chapter.

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