Looking for the NEXT BIG TREND in realestate can save us $200,000 💰🚀
ฝัง
- เผยแพร่เมื่อ 29 ม.ค. 2022
- We explored areas around Kitchener - Waterloo region that are still under priced. Had a lot of fun exploring in the snow / Simran made snow angels ;-)
Looking for a house and need guidance? That's exactly why I became a mortgage agent - so that you are never alone in your journey of buying your dream home :) Check www.growwithnav.com and book a call.
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I would advise you guys
Don’t just go after money
Enjoy nature friends and family
Navjot ji : I am sharing 2 personal experiences of similar overheated markets in 2008 and 2014. Both times it was bubble and people who bought several properties in and around during that over heated market , lot of them committed suicides. This time (2022) in Ontario , things are looking very similar. We need to make people CAUTIOUS about it because lot of innocent people will get into this housing bubble thinking that it’s going to grow further up and then their dreams and hopes will be dashed. This housing times in Ontario are no different than other Ponzi schemes where investors who get in first , they want new people ( / new immigrants) to buy in their vision so that they can make good profits. Bank of Canada has already given 2 warnings on this overheated Ontario housing market and the bust may be just around the corner.
Thank you , some one atleast speaking truth ..rather than just alluring other innocent people for their self motive
2008 was very different.
Both supply and demand declined. Supply because of subprime loans and defaults - which is not likely in Canada due to stress test except for people who faked their way to a mortgage (same reason why Canada market did not tank in 2008)
Demand side was stressed due to high levels of unemployment - vs today where we have 1M + unfilled jobs.
Read the book - “all the devils are here!” - you will understand the economic behind subprime crisis and how it’s different from what’s happening in 2021/2022.
The Canadian stress test is what protects Canadians. The problem is when people fake their incomes and buy houses they shouldn’t :)
We might just be moving into a place where we will have only renters. Anyone who comes to GTA rents, just like in places like New York, Hong Kong and Singapore.
@@Potatotalkies thank you Navjot ji for this detailed reply. 🙏🙏🙏🙏
You have raised valid points. People who fake up their documents may get in trouble if they can't support the mortgage in case their tenants do not pay rent on time. Affordability is the key in everything. I am an investor but I only invest slowly with the mindset that I can service the cost associated with the mortgage in case some thing goes south.
@@Potatotalkies you cannot compare GTA with Singapore and Hong Kong which have a big supply issue of limited land. When you talk about New York please check the prices of homes around 100 to 150 kms from Manhattan area and you will see why this comparison does not work. With rezoning, reducing red tape for construction and stopping nimby we will see a increase in supply which will definitely impact the prices.
Is owning a property the only purpose to life!
For them yes
One maybe is necessary the rest is just rat race
These days it is Yes for many to build property portfolio and have a passive income or pay the mortgage from rental income. Moreover, Canada's economic is 60% based on real estate so, it is the only way to grow exponentially. Many will agree that Canadian job market is good though baseline salaries are at low level. Not many people get 200 K salary to afford 1Mn + houses.
@@sharma5852 absolutely right
@@shashib977 correct.. leads to financial freedom
Look at 1985 to 2005 Canada house prices to understand what can happen.
People are signing away their futures without thinking.
People with money will be getting houses at 30 to 40% discounts from those in distress in a year’s time.
Has happened in early 90s.
TUM DONO NAMUNE..KUCH ENJOY BHI KARTE HO YAA AKELE..GHAR HI DHOONTE REHTE HO..TU EXCEL PE..APNE KHARCHE NOTE KARTAA REHTAA HAIN..OR APNE AAP KO BOHAUT BADA FINANCIAL PLANNER SAMAJTA..HAIN..😆😆😆 HAVE SOME LIFE..DUDE..JIS DIN AAKRI EMI PAY KAREGA GHAR KI ISS DIN BAAT KARIYO..
this is funny...but in a way true...simran and navjot...take it a bit easy guys!
ISS GADHE KO KOI BATAAO..LOAN PE LIYA HUA GHAR AAPNA TABHI HOTAA HAIN JAB LAST EMI PAY KAROGE..ABHI TERE GHAR KE PAPER BANK KE PAAS GIRVI PADE HAIN..YE CARTOON LOAN PE GHAR LE KE EXPERT BAN RAHA HAIN..WE ALL KNOW..THE BUBBLE BEING CREATED IN CANADA ON HOME RATES..EVEN POLITICIAN R ASKING FOR INQUIRY..GUYS DONT FOLLOW THESE IDIOTS..INKE VLOGS MEIN BHI DEKHO..YE DONO NAMUNE AKELE THAND MEIN GHOOMTE REHTE HAIN..OR KOI BANDA NAHI DIKTA...🤣🤣🤣 MERI TO HASSI NAHI RUKTI..WATCHING THESE CLOWNS....
@@rakasaabu4543 i really used to like these people. Ab bas kabhi yad ati h to aage karke dekh leti hu. Quite evident with their declining views as well. Itna sab hi karenge to enjoy kab karenge budhape me. Loan le lekar rat ko neend kese ati h chain se. Yaha ek ghar ka loan h tab b tension rehti h
Firstly you started professing chalo Kitchener it’s amazing the best place to be now you want people to explore even further from city center. I agree prices are increasing like crazy but telling people that yahan Costco hai school hai sab bohot zaada acha hai. Just FYI a lot of people look for how the party scene is what is the eating out scene how’s the hospital? The healthcare scenario in Canada is as it is sad moving out to farther places will have its repercussions which you don’t mention at all. This is guy is a mortgage guy now and want people to explore places where there is potential for this business.
Don’t get a mortgage from me 😀 I am not suited for everyone and I tell that to the people I know all the time!! The only reason I became a mortgage agent is to help people and learn from those who made money. If money was the motivation, I would have become an immigration consultant - wouldn’t that been an easier route?
@@Potatotalkies Bro we respect you, but the point here is. show a balanced picture. and not just say don't take. mortgage from me if someone questions. Regarding you becoming immigration consultant, its your choice. but the premise was to help people without any money or profit factor at the start, all people are saying in the comments is just don't blindly push or advertise to people that buy houses for investments without analyzing the pro's and cons , first of all it is creating shortage of houses and may be last person who is holding out a property may not be suitable for the same. It's a 25-30 year commitment a person buying a 1 million is destined to pay 5000/ month +property taxes and house maintenance +utilities which will come to 6000 / month . I don't know whether giving such a advice to newcomers (who are your prime viewers) is a smart move
@aditi Gaur, babu bhaiya saab paisa ka khel hai, I want to help people is just an anecdote to deviate from the real motive which is money.
@@sam1a0123 thats right...i think these guys never wanted to help...it was a way to lure viewers and build client base so that they could market to a nice audience and we are seeing it now. I am actually a bit disturbed by what these guys are doing slyly.
@@achlesh420 My personal experience, paying down $100k takes 5 years. So 50 years to pay off a million!
Great work Nav. You are giving first hand information from the ground, which is invaluable. Keep it up
Feels good to see our favorite creators celebrating each other's happiness and achievements..........
Your content & stories keep us really hopeful of landing to Canada soon !
Saying 750 k is less is outrageous. For a family with both spouses working with above avg pay, it might seem easy. Not for a single earner household. Somewhere I feel this heated market is a result of greedy realtors and mortgage brokers who bribe underwriters to inflate mortgage amount.
But yes, I appreciate the fact that you highlighted cons as well. Happy YouTubing !!
Smile of Simran at 3:49 is great! As always, you couple are great! We love you
Keep up the great work Simran and Navjot 👍
RIP for first time home buyer 😭😭🙏
How do you justify 1M+ houses in areas like Kitchner/waterloo ? To afford 1M house, you need to have 200k household income ...How many Canadians do you think make 200K ? There is definitely some kind of scam/bubble going on in Toronto/GTA...
If Govt comes after these bubble in anyway, there are high chances that the bubble will burst and then these location would be first to take hit and it will take lot of years to recover that.
There are no industries at these Towns. If remote work will be the norm then why people would spend 800k in no-name town than going to Eastern Canada which is pretty cheap or Alberta.
100% agree with you on buying in provinces outside Ontario. Bubble or not! We will know. But I don’t want to be the one waiting on the sidelines, trusting politicians to their jobs 😀
Kitchener is a University town and all this buzz about IT sector, besides Google, Oracle and few other startups that do not employ thousands but a few hundred people, its a small town. As restrictions are lifted and companies call back people to office, commute to downtown Toronto would be a pain who stays this far.
@@charanjitsingh6768 I don’t think most people are going back. The commercial realestate is very likely to collapse. I have seen people changing jobs when the employers ask them to come back - esp in the IT sector.
@@Potatotalkies The difference is they would no longer be getting the same pay for a similar job in a small town. So they would still not be able to pay the high priced properties in these small towns. Btw. I work for a Title Insurance company in Oakville. Our commercial real estate division made record profits last year. And most of the deals are from Downtown Toronto and GTA.
Once again.... You never fail to bring a smile to my face when your video pops in my feed.
All the best to both of you in everything that you guys do, always.
Love you Navjot & Simran 😘
Thank you 😊
Thanks for the info, Guys! And big congratulations to Sahil !!!! God Bless All of you
Hey guys! Great energy in your vids! Plus Kitchener! Hey!
Keep Posting Guys. Another great infotainment Video ❤️
Good everyday video of someone’s normal life. Keep it up guys
Good way to market your services! But you must also enlighten about the possible risk and the downfall of this housing bubble. You cant keep on blowing air in a baloon and not expect it to burst. It will happen...has to happen eventually..the only way from top is down!
I like the way you think. Unless the govt intervenes, this bubble can’t burst. I really wish it does, but economics of demand and supply won’t let it.
Time will tell...we thought the same in 2017! and then what happened is for everyone to see! The houses here are not worth 1-1.5 Million CAD. So time will tell how it will all go!
Great Video! I guess you missed to cover AYR which is another great option as it is just 10-15 km from Kitchener and Cambridge.
Yes true!! Like that area too
Great video
I am really worried about y'all with all the home buying that y'all are doing. Agreed that 2008 was very different but we might not know what's going on behind the scenes until the bubble bursts.
As always, wishing you all the best 👍
Thanks for this exploration video. You have covered pretty much all points for these neighbrhoods for home buyers but not investment buyers. I wish you had mentioned points like rental potential, etc
Yeah, I won’t recommend these for rentals. Rentals should usually be bough close to public transport, schools, universities, supermarkets etc
By the time people come to Canada with delayed entry, these too will out of hands
I 100% agree with Dawar. Do not fall into the trap of real state.
Great information Navjot and Simran 👍👍👍👍
You can't assume that people will do wfh forever.
Sure. We did mention that in the end as a caveat :) it’s not for everyone 💯 just like Kitchener isn’t for everyone.
The only problem with those towns on the west or north of Kitchner is that there is none to very few properties listed. and if they are listed they are already around $900k asking, which beats the purpose of these good deal areas. I am so exhausted with the search. Saw Brantford yesterday and its stupidly crazy there too. and no one recommends downtown areas even though they are a little cheap but due to issues like crap schools and drug issues in those community. Its difficult man. Still looking to find a deal. Maybe I should look at St Sue marie, but thats too far also. Need to think of wife's teaching career and kids schooling too.
best of luck to anyone finding a house to buy. We F***ed
Why dont u try moving out of ontario for example alberta...many ppl from vancouver and gta are doing so of late..
@@arindamghosh238 Alberta is 10-20 years behind toronto.weather is more harsh too.
@@arindamghosh238 Well easier said than done. Coz of people buying property in alberta (not actually moving, just investment) making the market crazy there too. And Alberta has always been a very volatile housing market. Also too cold there. I have job in Mississauga even though currently WFH but you never know when they want to make people start coming back. So dont want to find job and Alberta's job market is not yet there.
Many of my clients are finding jobs in Alberta (sitting in Ontario) and moving there :) you don’t have to quit and move. Can always take advantage of remote interviewing and move when you already have a job in hand.
@@Potatotalkies yes but don't you think it is unfair as a society that even good earning people have to consider to move out since the prices are so high? Renting also is almost equal to the mortgage rate. I'm not sure where this will take the society too. Remember you moved from India as you did not like the inequality there. Now we see in front of our eyes 2 Canada's being created. The haves and the have nots
1st kitchener is my favorite place
Hey guys, you are doing superb job by providing all these information.
Just want to ask you guys if you can make video on Windsor houses or nearby outskirts like ( Leamington and Essex) single family home. Thank you
Do check the latest video :)
Hi Guys, thanks for sharing this info. What are your views about pre con that’s coming in Trussler west, Kitchener ? How is the area ?
Best moment was to see Sahil in your video 😄
Personal experience in Canada: Takes 5 years to downpay $100k of mortgage. New immigrants coming into the country are mostly in their late 30's or early 40's except students who anyways start work at the lowest end of the ladder. A $1M mortgage would take roughly 50 years to pay off. Unless you are bringing in loads of cash, or land in a top dollar salaried job, in current market you will end up paying some other persons mortgage by staying on rent for years. Not a good proposition. Personally I own one property in GTA which I purchased back in 2015 for personal use and do not agree with the current crazy frenzy going around real estate market. Houses are meant to be lived in and not financial instruments is my personal view.
💯% agree with you.
The way 750k and 800k is being touted as the new normal, is simply insane and suicidal!
People please beware!
Hello guys,
Amazing video and great content. Can you guys advise us if you personally know any realtor in Kitchener who can help us with pre construction condos?
Thank you
Be wary of moving to kitchner and those areas, water is so hard and even using softner/filter/salt, it doesn’t help and people are already facing hair fall and skin related terrible issues
Kitchener has some of the hardest water in all of Canada. The city ranges between 17 and 36 grains per gallon (gpg) or 291 and 615 parts per million (ppm). The water hardness average across Canada is only 10.5 gpg. That means that Kitchener's water is about 2 to 3 times harder than the Canadian average!
Addition of salt though helps to reduce the hardness however at the same time it increases the sodium percent in water consumption.
BEWARE !!
Wonderful video, one request- please don't make her wait for eating. ☺️
Have you studied the 18 year property land cycle.. it worked like clockwork for last over 100 years. But yes cycle duration are changing due to government and central bank intervention.
Please make video on windsor housing and jobs. Also, about windsor weather, they get less snow there.
So many east indians are moving there too.
Can you guys make a video on Brantford city and real estate
These places are OK if you work from home or don't have family and friends in the GTA. Otherwise, you are isolated. How about if tomorrow you need to change jobs or lose your current ones? These markets are risky since they are out in the boonies. If you brings parents, it's even worse since they will be stuck at home at nothing is close by to walk to. Money is not everything.
Sir, would it be possible for you to make such a video for BC as well?
Hope it helps... 😂😂😂
When you forget your own catch phrase..
Haha 😀
Over priced GTA. Living with family on no man's land in such cold weather is such a bad idea. Instead come to Montreal
This is v interesting. Having said that, why not live in a different province if you are going to WFH permanently? At this rate, we'll reach India dus dus kilometre karke! :) For someone who lives in Milton (and isn't a huge fan), I can tell you that this isn't utopia especially during winters and can get really tough when you are a family (with kids).
We are too obsessed with the idea of living in a house in North America without understanding that once you buy it, you have to live there as well. Honestly, enjoyed condo life in downtown TO much more. I wouldn't move to one of these places even if I was paid to.
TRUTH ;-)
I am sure you will consider moving to one of these places if someone else paid for it 😀
But yeah, I am all in for people moving to places outside Ontario. That’s why I am a massive believer in Calgary as the next hub.
If I have a company in my own country and I want to open a branch in Canada. I am not a Canadian citizen and don't have PR. Can you make a video about how to register a company, please?
Heyy guys i am your regular audience and i realised that you missed startford...i stay in startford please let me know whenever you have a plan... I will be more than happy to meet you all happy couple
Thanks Prashant!! 100% , Stratford is amazing
@@Potatotalkies yes startford is amazing during summers lot of american pay visits during theatre festivals….eager to meet you both
How's the market in Bolton doing, I am planning on relocating
Hi, can u share link for the course u did, what’s n how’s?
www.firstjobaccelerator.com
These are very good options for people working from home.
Bro I want to move near Kitchener or Cambridge please suggest me any new pre-Constuction homes
Bhaisahab logo ko paagal mat banao
bhai sabko landlord banna h :D
Prabjot, how's the housing scene East of the GTA area like Scarborough and Ajax region? Most of your focus is towards the West.
Yeah, we haven’t really explored those areas yet!! But east of Scarborough is also really good. Ajax, Pickering, Whitby, Oshawa - all good areas.
@@Potatotalkies looks like a road trip East is due?
Sir this is housing bubble. Market will crash down and many will commit suicide
Hi...my score is 440...in December it will be 465.still it is not going to crack fsw. for pnp my job is not in demand.What will do?Even if I start French clb 7 is dificult
15:25 most subways are not owned by Indians but indo-canadians👍.Not only born are Canadians but we immigrants are also Full Canadians.Thanks👍
What is wrong with saying Indian?? Getting Canadian passport doesn't erase the roots.
@@gamerstv2444 No it does matter.You have left india means you used to belong from here but no more from India.Even Anita Anand calls herself a 'tamil Canadian' rather than 'indo Canadian' that means she will not like the fact that if someone calls her 'indian'?I am totally objected to the fact that they refer fellow brown as indian,pakistani.I am a brown skin person but I would be totally known as Canadian and in some rare cases INDO-CANADIAN but not indian.In random coffee shop someone sees me and says oh look he is an indian-I will be offended for sure.If you want to distinguish call me an indo-canadian rather than only INDIAN
@@SD-db5mc what does kamala Haris been called?? African American/Indian American even though she was born in US.The roots does matter.If someone meets you they would know by your appearance that you are from South asia.how would they know your citizenship status??
@@gamerstv2444 Well she never herself acknowledged as indo-american.But she called herself as black American.I don't have any problem being called as an indo-canadian or brown-canadian in some scenarios.And what if you see whites you will say them Canadian??Then you will not say white Canadian?FYI people migrates from Ukraine, Russia,France of which people are white too.Even British people also immigrante.Rather than called as only an indian by a unknown person i would prefer to be known as a indo-canadian/brown-canadian.I hate the fact if someone calls me INDIAN.And not only citizenship makes you Canadian but getting a pr/Student visa and not wanting to leave Canada make you a full Canadian
@@SD-db5mc but why should you get offended for being called Indian?? There is nothing to be ashamed of.
I live in United States own a single family house in number one school district have couple of condos as well just mentation that I have some understanding its just not so called hate comment ,$ 800 condo fees really !! Candian Market is going like crazy , understood that inflation is all time high globally but still that condo fees is unreal, seems like candian goverment have no clue how to run real state.
Woodstock
Hi how can i contact you as i wanted to buy a house as i put up in Waterloo ?
Hey, pls fill the form www.growwithnav.com
Dukana v haigia. :)
Jab bhi hopeless ho PPR ki wait me ...bas ek kam karo Poteto talks ki koi bhi video dekh lo ...sab changa ho jayega !!
🤗👏
Dear Navjot, I make this comment with the greatest of respect, since you seem to read these. Your Vlogs are interesting and informative, but when you raise your voice to a trill at the end of a sentence, to show excitement or enthusiasm (like saying "Bye" or "Lets go") it takes on a falsetto pitch, and seems really false, contrived, and irritating. This style suits your wife, but your steady serious way of speaking suits you a lot better, and the fact that you already know this subconsciously is reflected in how your own volume drops and becomes shaky, despite the high pitch, during each such expression. You are a serious, trustworthy sort of guy, but not a cheerleader or entertainer, and trying to be one doesn't help your Vlogs. I make this criticism in all sincerity, with no desire to offend.
👏👏👏👏 thank you!!
Are you a broker?
Mortgage broker
Justin Trudeau where are you how's the Josh we support this radical extremist khalistani aantwadi movement loves from India Punjab 😂😂😂🇮🇳🇮🇳🇮🇳🇮🇳🇮🇳🇮🇳🇮🇳🇮🇳
2nd me