Sell.With.Shubham

Sell.With.Shubham Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Sell.With.Shubham, Estate agent, Ottawa, ON.

I don’t make clients, I build relationships
🏡 OTTAWA/GTA | Realtor | INVESTOR 🇨🇦
🏠 Buy | Sell | Invest | Preconstruction 🏗️
🇨🇦 The Canadian Home Realty
🔑 Turning Dreams into Keys
📧 [email protected]
📞 Contact me +1 613.332.8884

08/23/2026

🏠 07 HOME MAINTENANCE TASKS THAT COULD SAVE YOU THOUSANDS 💰

Most homeowners don’t realize that small maintenance tasks can prevent BIG repair bills. 🛠️🏡

From your HVAC filter and roof to plumbing leaks and dryer vents—these are the maintenance tasks every homeowner should keep on their radar.

📌 Save this checklist now—you’ll thank yourself later!

👇 Which one do you usually forget? Comment the number below!

📲 Save + Share this with a homeowner who needs it.

🏡 Follow for more real estate, homeownership & money-saving tips.

Home maintenance checklist • Homeowner tips • Home maintenance tips • Homeownership tips • Real estate tips Canada

08/18/2026

🚨 A 2-INCH FENCE Just Cost These Neighbours Thousands in Court 😳

An English family built a fence in their backyard. One neighbour said it was 2 inches over the line. A survey confirmed it. Next thing — legal notice to tear down the ENTIRE fence + pay all legal fees. 💸
Here’s what nobody tells you: In Canada, there’s no such thing as “eyeballing” your property line. Only your LEGAL boundary matters — and that comes from a survey, not a guess.
👉 Comment “FENCE” and I’ll send you the free guide on how to check your property line before you build anything (fence, deck, shed — all of it).
📍 Buying, selling, or building in Ottawa? Save this before your next reno.

OttawaRealtor FirstTimeHomeBuyer HomeownerTips CanadaRealEstate OwningOttawa SellWithShubham OttawaHomeowners

08/14/2026

Joint Tenancy vs Tenants in Common: What Every Co-Buyer in Canada Must Know 🏡

Buying a home with a friend, sibling, or business partner in Canada? 🇨🇦 Before you sign anything, understand these two ownership structures — they change EVERYTHING about what happens to your share.
🔹 Joint Tenancy — Equal ownership (50-50 with 2 owners). Includes “right of survivorship” — if one owner passes away, their share automatically goes to the other owner(s), not their estate.
🔹 Tenants in Common — Flexible ownership split based on your investment (50-50, 60-40, 70-30, etc.). Each owner can sell or will their share independently — no automatic transfer.
This is why Tenants in Common is the go-to structure for friends, siblings, and business partners buying together.
💬 Want the full breakdown of which one fits YOUR situation? Comment “OWNERSHIP” and I’ll DM you the details.
📍 Helping first-time buyers, co-buyers & GTA-to-Ottawa relocators navigate real estate the right way.
👉 Follow Shubham Duggal | OTTAWA Realtor® 🇨🇦 for more Ottawa real estate tips
📞 Shubham Duggal | Owning Ottawa | 613.332.8884

joint tenancy vs tenants in common Canada, co-buying a home Canada, buying a house with siblings, buying a house with a friend, Ontario real estate ownership types, first-time home buyer Canada, Ottawa real estate agent, right of survivorship Canada, co-ownership agreement Ontario, real estate investing with partners

08/10/2026

🏗️ Buying a NEW build home in Ottawa? Don’t skip these 3 checks or you’re asking for trouble 👇

✅ Check the builder’s track record
Search their license, history & complaints on the Ontario HCRA website (hcraontario.ca)
✅ Read Google reviews from real buyers
Past clients will tell you what the brochure won’t
✅ Check Tarion warranty claims
Repeated claims on a project = red flag for construction quality 🚩
A new home is one of the biggest investments you’ll make — a little research now saves you thousands in headaches later.

📍Thinking about buying a new build in Ottawa, Orléans, Kanata, Barrhaven, or Stittsville?

👇 Comment “NEW” and I’ll send you the full builder due-diligence checklist.

FirstTimeHomeBuyerOttawa OrleansOntario KanataOntario BarrhavenOntario StittsvilleOntario OntarioRealEstate TarionWarranty HCRAOntario OttawaHomeBuyers OwningOttawa NewConstructionHomes OttawaMoves RealEstateTipsCanada HomeBuyingTips OttawaRealtorLife

Only $40K Down = This Findlay Creek Home 🏡$40K down. $654,900 home. Here’s the real monthly cost 👇🏠Findlay Creek | $654,...
08/08/2026

Only $40K Down = This Findlay Creek Home 🏡

$40K down. $654,900 home. Here’s the real monthly cost 👇

🏠Findlay Creek | $654,900 — 3 Bed, 3 Bath, fully upgraded townhome. Full mortgage breakdown: down payment, monthly cost, taxes & more.
OwningOttawa

Comment "NUMBERS” for your personalized breakdown 💬

08/08/2026

Here’s EXACTLY How Much House Your Salary Buys In Canada 💸🏠

Your salary just got fact-checked by the Canadian housing market 💸 Here’s exactly how much home it buys you right now — and why the number might surprise you.
If you’re planning to buy in Ottawa, Orléans, Kanata, Barrhaven, or Stittsville, affordability math has shifted fast in 2026. Most buyers don’t find out their real budget until they’re already mid-mortgage-approval — I want you to know it before you start house hunting.
📊 Watch till the end for the full salary-to-home-price breakdown
📍 Relocating from the GTA to Ottawa? I’ll run your numbers for free.
👉 Comment “HOME” and I’ll DM you a free affordability breakdown based on your income.
📞 Shubham Duggal | Owning Ottawa
🌐 owningottawa.com
📲 613.332.8884
OttawaHomeBuyer OttawaOntario OrleansOntario KanataRealEstate BarrhavenRealEstate StittsvilleOntario FindlayCreek GTAtoOttawa

08/07/2026

🚨 Let’s clear up the confusion on Ontario’s 2026 HST Rebate on NEW homes 🚨
If you’ve seen conflicting numbers floating around — here’s what’s actually true 👇
✅ Ontario + the Federal government introduced a temporary FULL 13% HST rebate on NEW homes (pre-construction or substantially renovated)
✅ Up to $130,000 back for homes priced up to $1,000,000
✅ Still $130,000 flat for homes between $1M–$1.5M
✅ Rebate phases down from $130,000 to $24,000 for homes $1.5M–$1.85M
✅ Homes over $1.85M get the standard $24,000 rebate
📌 Key conditions:
• Only applies to NEW construction / substantially renovated homes — resale homes have NO HST, so no rebate applies
• Your Agreement of Purchase and Sale must be signed between April 1, 2026 and March 31, 2027
• You do NOT have to be a first-time buyer to qualify for homes up to $1.5M
💰 Example: On a $1,000,000 new build, that’s $130,000 HST fully rebated — bringing your net HST cost to $0.
Whether you’re considering pre-construction or resale in Orléans, Kanata, Barrhaven, Findlay Creek, Stittsville, or Richmond — understanding this rebate could change your numbers significantly.
📲 DM me or call/text 613-332-8884 if you want help running the numbers for your specific price range.
🌐 www.owningottawa.com
📧 [email protected]
OntarioHST NewHomeRebate FirstTimeHomeBuyerOttawa

08/06/2026

🚨 Big opportunity for NRIs before September 30, 2026 🚨
India’s Reserve Bank has opened a special window on FCNR(B) foreign currency deposits — and the rates right now are some of the best NRIs have seen in years.
✅ Earn approximately 5.5% to 7% per year on USD deposits
✅ Interest is tax-free in India for eligible NRIs
✅ Your money stays in its original currency (USD) — zero rupee risk
✅ Minimum 1-year lock-in; the higher rates apply to 3–5 year terms
✅ Window closes September 30, 2026 — after that, rates are expected to drop back down
📌 Important: if you withdraw before the 1-year mark, you won’t earn any interest. After 1 year, early withdrawal is possible but at a reduced rate.
If you’ve got Canadian dollar savings sitting idle earning very little, this could be worth a closer look before the deadline.
💬 Comment “FUNDS” and I’ll walk you through the details.
🌐 www.owningottawa.com
📧 [email protected]
📲 613-332-8884
⚠️ This is general information, not financial or tax advice. Please confirm current rates and terms with your bank and consult a financial advisor before making any deposit decisions.
TaxFreeIncome NRIBanking CanadianNRI OwningOttawa OttawaIndianCommunity PunjabiCommunityOttawa NRISavings ForeignCurrencyDeposit RBIUpdate IndianDiaspora OttawaFinance 613Community NRIWealth

08/06/2026

STOP PAYING YOUR LANDLORD’S MORTGAGE. 🏡
START BUILDING YOUR OWN EQUITY

Renting in Ottawa? Every month you pay rent, you’re helping someone else build wealth — not you. It might be time to make the switch to owning.

✅ First-Time Home Buyer Programs Available
✅ Low Down Payment Options
✅ Build Equity Instead of Paying Rent
✅ Personalized Affordability Breakdown — No Guesswork

Whether you’re relocating from the GTA or buying your first home right here in Ottawa, I’ll walk you through exactly what you qualify for — no pressure, no jargon.

📩 **DM “HOME”** for a FREE affordability check
📞 **Call/Text:** 613.332.8884
🌐 **owningottawa.com**

📍 Serving Orléans, Kanata, Barrhaven, Findlay Creek, Stittsville & Richmond
🔑 First-Time Buyers | GTA Relocators | Investors

*Disclaimer: These home price examples are illustrative. Actual affordability depends on factors like income, debt, down payment, interest rates, taxes, and lender qualification.*
GTAtoOttawa OwningOttawa OrleansOttawa KanataOttawa BarrhavenOttawa HomeBuyerPrograms OttawaMortgage

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