Jay & Jaya Real Estate Information

Jay & Jaya Real Estate Information Mississauga, Milton, Brampton, Hamilton, Oshawa, GTA
20+ years in business. 1000+ homes sold

Jay &Jaya Dewan help families upsize to a larger home in GTA using our Smooth Move Method - designed to make the transition seamless and elevate their lifestyle.

06/19/2026

You should never hire a real estate agent before listening to this.

I have met buyers who felt pushed other agents into paying way too much to finish the deal.

Our team does things differently to protect your money.

We give our buyers a minimum negotiation guarantee of 1.25%, so 1.25% off the list price.

We also give our buyers a purchase price guarantee, means we promise your buy price will be at or lower than the bank's official valuation of that particular home.

Please check our website, askjay.ca for details.

To top it off, we also give our home buyers a free smart TV as a closing gift, and we can also offer you a 12-month home warranty where things like appliances, roof, AC, furnace, windows are covered under warranty for 12 months gives you peace of mind.

Plus, my partner, Jaya Dewan, who's a REMAX agent as well as an architect and an interior designer, she gives our buyers a free consultation to show how trendy, simple changes like paint or quick kitchen fixes raise the value of the home you just bought.

Other agents don't have this kind of knowledge.

We give you a one-stop shop from start to finish.

Whoever you will need in this process, we can provide you.

Banker, realtor, home inspector, lawyer, handyman, stager, everything from start to finish. A one-stop shop.

Proudly serving Greater Toronto area from Mississauga, Hamilton to Oshawa

06/18/2026

He says Milton. I say Mississauga. We’ve been going back-and-forth for years and we STILL can’t decide. Drop your VOTE below. Where should we live? Milton or Mississauga?

06/18/2026

The price you see on a home listing online, it’s usually a fake number and you should never trust it.

I see buyers get heartbroken because they offer close to list price on the internet and sometimes lose the home.

Somebody else gets it, or even if they get it, they get it at a higher price.

Sellers often list their home way too high or way too low to start a bidding war sometimes.

Our team looks past the guesswork.

We analyze neighborhood reports, home history, and school rankings to find the true market value.

You might ask, but can’t I just use websites online like HowSigma or Zolo to see what a home is worth?

Even those websites tell you in their fine print not to rely on that data because they’re just rough computer guesses.
with a one-stop shop team like us that checks the real facts for you.

Proudly serving Greater Toronto area from Mississauga, Hamilton to Oshawa

06/17/2026

Your next home will be the biggest decision you make this year.

It should feel like yours.

That’s what I’m here for.

06/17/2026

If you want to be living in your own home this year, you cannot wait until the last minute.

You need to start four months before you want the keys.

Buyers often call me hoping to move into their own home next month, but our transaction data shows a clear pattern.

It takes about one month of looking around for a buyer to physically tour homes and pick up the right one.

Then because more sellers haven’t bought their next house yet, they will ask for three months of closing time to pack up and move out.

One month plus three months, four months in total from start to finish, majority of the time.

Some people say, can’t I find just a vacant home and move in faster?

Yes, but it’s very rare to like a vacant home that’s totally empty.

If you want keys in August, you must reverse it by four months, so start in May.

If you want to move by December for holidays, you need to start in September.

Plan around the four-month rule to keep your life stress-free.

Proudly serving Greater Toronto area from Mississauga, Hamilton to Oshawa

The best investment I ever made had nothing to do with the stock market.We sold our old home for more than we paid for t...
06/15/2026

The best investment I ever made had nothing to do with the stock market.

We sold our old home for more than we paid for the new one. But that is not actually the part of the story I think about most.

Here is the part I think about.

Our old house worked when we left the rental. Detached home, good neighbourhood, checked the boxes. But the kitchen was smaller than most condos I had sold, and the backyard faced north, which meant the family room overlooking it was soaked in grey all day. I am an interior designer. I could not fix that with paint.

I stopped wanting to cook. I stopped wanting to have people over. I stopped wanting to be home.

So we moved. Not to a bigger home. A better one. A corner lot with a double yard that gets full sun year round. A kitchen with actual counter space. We renovated and took our time and chose things we loved. Every decision felt like a yes.

Now the extended family all wants to come to our house. Pool parties all summer. Dinners that stretch into the night because the kitchen is the kind of place people naturally gather in and nobody is in a rush to leave.

I finally cook the way I always wanted to. Because I have the space to be creative in there and it turns out that was the thing I had been missing.

A home that does not work for you does not tell you loudly. It just quietly takes something. Your enthusiasm. Your energy. The version of yourself that wants to cook dinner and invite people over on a Tuesday.

If you are living somewhere that looks fine but feels like settling, I want to help you see what else is possible.

Drop HOME in my DMs or comment below.

06/15/2026

You do not need to save a giant 20% down payment to buy a great home in GTA.

I see so many buyers rent for years because they think they need $100,000 in cash to get started.

But the math? It's much easier.

You need only 5% for the first $500,000 of the purchase price.

For any amount over that, you need 10% for that extra portion.

That means a $500,000 home only needs $25,000 as down payment.

A $600,000 home needs $35,000.

An $800,000 home needs $55,000 as down payment.

You can even use special tools like an RRSP loan from the bank to help build this cash in just two weeks.

People will tell you, but putting less money down means your monthly payments for mortgage will be a little higher.

True, but it allows you to own a home today instead of chasing rising prices for the next five years while your landlord gets rich.

Proudly serving Greater Toronto area from Mississauga, Hamilton to Oshawa

06/12/2026

Stop looking at the total sticker price of a home.

It scares people away.

You should focus on the monthly mortgage payment.

I always advise my clients the $450 rule.

For every $100,000 you borrow from the bank, your monthly payment is approximately $450 per month.

So every 100,000, $450 per month.

So let’s say you borrow 500,000 from the bank.

Your monthly mortgage payment will be $450 times five, so around 20 to 50 per month.

So if you borrow 700,000, then $450 times seven, so $3,150 per month.

Now, if you buy a home with a basement apartment, which may fetch, let’s say around $1,350 a month, will be more.

So the $1,350 from the basement will cover $300,000 worth of mortgage.
Now, buyers think a million dollar home is way out of their budget.

It may not be out of reach.

If a basement tenant is paying off $300,000 worth of mortgage.

So whether you’re buying with or without the basement apartment, use the $450 rule and you will see you can afford a much better home than you think.

Proudly serving Greater Toronto area from Mississauga, Hamilton to Oshawa

06/12/2026

If we live a mindful life, we can find real data about ourselves. What moves us…What feels life affirming to us…What feels like “this is who I am”

If we make decisions from this core reality, they can transform our lives.

So, here are the 3 questions you should ask before you buy your next home:
1. What’s the real reason you want to move?
2. Are you happy where you are?
3. What’s lacking in your life that a better space can provide?

06/12/2026

You’ve outgrown your home. You know it. He’s not so sure.

Next time he says “we don’t need more space,” send him this.

1. It costs less than he thinks. Your home is worth more now than when you bought it. That money goes toward the next one. The gap is smaller than it looks.

2. Waiting makes it harder, not easier. Prices go up every year. The longer you wait, the more you pay. Moving sooner usually saves money in the long run.

3. Your family needs the space now. Kids grow fast. A house that fits your life today makes every single day easier.

Screenshot this. Send it to him.

When you are both ready to look at real numbers, let’s chat.

Address

Mississauga, ON
L9T6B5

Telephone

+16472086364

Website

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