Navjot Singh - Helping You Buy, Sell & Build Wealth Through Real Estate

Navjot Singh - Helping You Buy, Sell & Build Wealth Through Real Estate He began his career as an electrical engineer before transitioning into the financial industry as a mortgage broker.
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About Navjot Singh
Born in Yamunanagar, India, Navjot Singh arrived in Canada in 2013, bringing a unique blend of technical expertise and financial insight to real estate. With an in-depth understanding of how economic factors like inflation, GDP, and interest rates impact real estate, Navjot helps buyers, sellers, and investors make informed, strategic decisions. What Sets Navjot Apart
Real estat

e isn’t just about finding a home—it’s about making the right financial and lifestyle decision. Navjot’s strength lies in his ability to break down complex financial details into clear, practical insights. He listens closely to his clients’ short- and long-term goals, creating a plan that ensures lasting value. His straightforward approach, strong negotiation skills, and financial expertise make him a trusted advisor at every stage of the process. What Drives Navjot
Beyond real estate, Navjot enjoys spending time with family, watching suspense and thriller movies, and staying active through badminton, soccer, and golf. He also enjoys target shooting, a skill that sharpens his focus and patience—qualities he brings to every client interaction. Why Mosaic
At Mosaic, collaboration and diversity drive everything we do. Our “Come Together” philosophy is about bringing different perspectives together to create the best solutions for our clients. Navjot values working with a team that shares his commitment to client success, ensuring every transaction is backed by expert knowledge, integrity, and care. Navjot Singh
REALTOR®, Mosaic
eXp Realty, Brokerage
519-505-5832
[email protected]

08/06/2026

US rates are sitting near 3.6%. Canada’s at 2.25%. That gap is already one of the widest in years, and it’s not just a headline number. It shows up in what you pay for materials, equipment, and eventually your mortgage.
The Bank of Canada isn’t matching the Fed because our economy can’t take a hike right now without stalling the recovery. That tradeoff is the whole story.
Curious what a wider gap does to Canadian real estate values? That’s part 2.

Now available September 1: Unit 803 at 104 Garment Street, ONE HUNDRED Condominiums, Downtown Kitchener.683 sq ft. 1 bed...
08/04/2026

Now available September 1: Unit 803 at 104 Garment Street, ONE HUNDRED Condominiums, Downtown Kitchener.

683 sq ft. 1 bedroom, 1 bathroom. 9 foot ceilings. Engineered flooring. Granite counters and stainless steel appliances in the kitchen. Private balcony. In suite laundry. One underground parking space included.

Steps from the ION LRT, Google, and Victoria Park. Minutes to Grand River Hospital, University of Waterloo, Laurier, and Conestoga College.

Building amenities include a fitness centre, party lounge with catering kitchen, rooftop terrace with BBQs, theatre room, and bike storage.

Rent: $1,900/month. Tenant responsible for water only. Landlord covers all other utilities.

DM or call to book a showing.

Navjot Singh, REALTOR® · Team Mosaic, eXp Realty, Brokerage

Family dinner TAMASHA | Bar + Indian Kitchen
07/31/2026

Family dinner TAMASHA | Bar + Indian Kitchen

Another image generated using AI, looks great isn’t it? But have you thought about how dangerously realistic AI is getti...
07/22/2026

Another image generated using AI, looks great isn’t it?

But have you thought about how dangerously realistic AI is getting? Who you think would it help

If my journey could be captured in enamel pins, this is probably what it would look like.Every pin represents something ...
07/21/2026

If my journey could be captured in enamel pins, this is probably what it would look like.

Every pin represents something I’m building my life around:
🏢 Commercial real estate
📊 Data-driven decisions
📍 Serving Kitchener, Waterloo & Cambridge
📖 Constant learning
👨‍👩‍👦 Family first
🧘 Staying grounded
📈 A growth mindset
💪 Relentless consistency

Success isn’t one big moment. It’s the result of small values you choose to live by every day.

Which pin describes you best?

07/16/2026

Visit my blog page for all the information you want navjotchahal.ca/blogs

07/14/2026

Thinking about buying if you might move in two years? Run the math first.
On a 700,000 dollar home in Ontario, land transfer tax alone is about 11,475 dollars. Add legal fees, inspection, moving costs, and possibly mortgage default insurance if your down payment is under 20 percent.
Now add the sell side. Commission around 4 percent, plus legal fees and staging. Round trip transaction costs land close to 6 percent, about 42,000 dollars on that same home.
In the first two years of a mortgage, most of your payment goes to interest. On a 600,000 dollar mortgage you might only pay down 25,000 dollars of principal in 24 months.
If your home value stays flat, you are 17,000 dollars behind those transaction costs. You would need roughly 3 percent annual appreciation just to break even.
By year 5, the math starts to shift. By year 7 to 10, ownership usually wins.
The right answer depends on your timeline, not on what everyone else is doing. Full breakdown in the video.

07/07/2026

Here's what I'd actually do.
Before you hit post, lock in these details so the algorithm and the viewer both work in your favour:

Caption
Most people hire a realtor the same way they hire a contractor off Kijiji.
Someone recommended them. They seemed fine. They went with it.
I spent years in engineering and mortgage financing before stepping into real estate. That background changed how I look at every deal, every property, every client situation.
This video is about why I do what I do.
If you have been looking for an advisor who actually breaks it down, follow along. More coming.
Book a call: navjotchahal.ca/appointment

Toronto condo starts are down 60%, on pace for the lowest year in three decades. Waterloo Region’s “+106%” jump looks hu...
07/03/2026

Toronto condo starts are down 60%, on pace for the lowest year in three decades. Waterloo Region’s “+106%” jump looks huge until you see it’s 57 starts to 269, a base effect, not a boom. Cambridge is sitting on 5,000+ approved units that still haven’t broken ground.

Ontario’s own 2026 budget projects 64,800 starts this year. The province needs roughly 175,000 a year to hit its housing target.

The real story isn’t the growth rate. It’s capacity. Approvals aren’t converting to shovels, and that bottleneck shows up everywhere, not just residential.

Full breakdown on the blog (link in comments). Where do you think this capacity gap hits hardest?

Address

675 Riverbend Drive
Kitchener, ON
N2K3S3

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