# Saigal Realty Inc., Brokerage

> Saigal Realty Inc., Brokerage is a Milton real estate team helping buyers, sellers, renters and investors in Milton, Oakville, Burlington, Mississauga, Toronto, Kitchener and Cambridge.

Saigal Realty Inc., Brokerage is a real estate brokerage registered with the Real Estate Council of Ontario (RECO). Broker of Record: Swaleh (Nomi) Saigal. The office is at 585 Ontario St S, Unit 204, Milton, ON L9T 2N2. Phone: (905) 876-4126. Email: info@saigalrealty.ca. It serves Milton, Oakville, Burlington, Mississauga, Toronto, Kitchener, Cambridge and surrounding communities in Ontario, Canada. Its affiliated Texas brokerage, Saigal Realty, Inc. in Coppell, Texas (https://saigalrealty.com), is licensed by the Texas Real Estate Commission and serves clients moving to Dallas–Fort Worth. The team speaks English, Urdu, Hindi, Punjabi and Arabic.

## Services
- [Homes for sale](https://saigalrealty.ca/listings): personal MLS® search and new-listing alerts
- [Buying a home](https://saigalrealty.ca/buy): buyer representation, mortgage introductions, offers, conditions and closing with a real estate lawyer
- [Free home evaluation](https://saigalrealty.ca/free-home-evaluation): comparative market analysis within 24 hours, staging guidance, marketing and negotiation
- [1% commission](https://saigalrealty.ca/1percent): 1% listing commission when the property is both listed and sold by the listing representative
- [Rentals](https://saigalrealty.ca/rentals): rental search for tenants; leasing and tenant screening for landlords
- [Pre-construction](https://saigalrealty.ca/pre-construction): new homes and condos, deposits, Tarion warranty and assignments
- [Commercial real estate](https://saigalrealty.ca/commercial-listings): tenant representation, leasing and sales for office, retail, industrial and investment property
- [International & relocation](https://saigalrealty.ca/international-real-estate): moving between Ontario and Dallas–Fort Worth, newcomers to Canada and international buyers
- [Mortgage calculator](https://saigalrealty.ca/mortgage-calculator): payments, minimum down payment, CMHC insurance and Ontario/Toronto land transfer tax

## Cities
- [Milton, Ontario](https://saigalrealty.ca/milton-homes-for-sale): Our home town: the Escarpment, Mill Pond and family neighbourhoods.
- [Oakville, Ontario](https://saigalrealty.ca/oakville): Lake Ontario living, two historic downtowns and well-regarded schools.
- [Burlington, Ontario](https://saigalrealty.ca/burlington): Between the lake and the Escarpment, with a lively waterfront downtown.
- [Mississauga, Ontario](https://saigalrealty.ca/mississauga): Square One, Port Credit, Streetsville and Toronto Pearson next door.
- [Toronto, Ontario](https://saigalrealty.ca/toronto): Canada’s largest city: condos, character homes and the TTC.
- [Kitchener, Ontario](https://saigalrealty.ca/kitchener): A growing tech hub with ION light rail and Victoria Park.
- [Cambridge, Ontario](https://saigalrealty.ca/cambridge): Galt, Preston and Hespeler on the Grand River.

## Neighbourhoods
- Milton: [Beaty](https://saigalrealty.ca/beaty-milton), [Bronte Meadows](https://saigalrealty.ca/bronte-meadows-milton), [Clarke](https://saigalrealty.ca/clarke-milton), [Coates](https://saigalrealty.ca/coates-milton), [Cobban](https://saigalrealty.ca/cobban-milton), [Dempsey](https://saigalrealty.ca/dempsey), [Dorset Park](https://saigalrealty.ca/dorset-park-milton), [Ford](https://saigalrealty.ca/ford-milton), [Harrison](https://saigalrealty.ca/harrison-milton), [Old Milton](https://saigalrealty.ca/old-milton), [Scott](https://saigalrealty.ca/scott-milton), [Timberlea](https://saigalrealty.ca/timberlea-milton), [Walker](https://saigalrealty.ca/walker-milton), [Willmott](https://saigalrealty.ca/willmott-milton)
- Oakville: [Bronte East](https://saigalrealty.ca/bronte-east-oakville), [Bronte West](https://saigalrealty.ca/bronte-west-oakville), [Clearview](https://saigalrealty.ca/clearview-oakville), [College Park](https://saigalrealty.ca/college-park-oakville), [Eastlake](https://saigalrealty.ca/eastlake-oakville), [Glen Abbey](https://saigalrealty.ca/glen-abbey-oakville), [Iroquois Ridge North](https://saigalrealty.ca/iroquois-ridge-north-oakville), [Iroquois Ridge South](https://saigalrealty.ca/iroquois-ridge-south-oakville), [Old Oakville](https://saigalrealty.ca/old-oakville), [Palermo West](https://saigalrealty.ca/palermo-west-oakville), [River Oaks](https://saigalrealty.ca/river-oaks-oakville), [Rural Oakville](https://saigalrealty.ca/rural-oakville), [Uptown Core](https://saigalrealty.ca/uptown-core-oakville), [West Oak Trails](https://saigalrealty.ca/west-oak-trails-oakville), [Winston Park](https://saigalrealty.ca/winston-park-oakville)
- Burlington: [Alton](https://saigalrealty.ca/alton-burlington), [Appleby](https://saigalrealty.ca/appleby-burlington), [Bayview](https://saigalrealty.ca/bayview-burlington), [Brant](https://saigalrealty.ca/brant-burlington), [Brant Hills](https://saigalrealty.ca/brant-hills-burlington), [Freeman](https://saigalrealty.ca/freeman-burlington), [Grindstone](https://saigalrealty.ca/grindstone-burlington), [Headon](https://saigalrealty.ca/headon-burlington), [Lasalle](https://saigalrealty.ca/lasalle-burlington), [Mountainside](https://saigalrealty.ca/mountainside-burlington), [Orchard](https://saigalrealty.ca/orchard-burlington), [Palmer](https://saigalrealty.ca/palmer-burlington), [Rose](https://saigalrealty.ca/rose-burlington), [Roseland](https://saigalrealty.ca/roseland-burlington), [Rural Burlington](https://saigalrealty.ca/rural-burlington), [Shoreacres](https://saigalrealty.ca/shoreacres-burlington), [Tansley](https://saigalrealty.ca/tansley-burlington), [Tyandaga](https://saigalrealty.ca/tyandaga-burlington), [Uptown](https://saigalrealty.ca/uptown-burlington)
- Mississauga: [Applewood](https://saigalrealty.ca/applewood-mississauga), [Central Erin Mills](https://saigalrealty.ca/central-erin-mills-mississauga), [Churchill Meadows](https://saigalrealty.ca/churchill-meadows-mississauga), [City Centre](https://saigalrealty.ca/city-centre-mississauga), [Clarkson](https://saigalrealty.ca/clarkson-mississauga), [Cooksville](https://saigalrealty.ca/cooksville-mississauga), [Creditview](https://saigalrealty.ca/creditview-mississauga), [Dixie](https://saigalrealty.ca/dixie-mississauga), [East Credit](https://saigalrealty.ca/east-credit-mississauga), [Erin Mills](https://saigalrealty.ca/erin-mills-mississauga), [Erindale](https://saigalrealty.ca/erindale-mississauga), [Gateway](https://saigalrealty.ca/gateway-mississauga), [Hurontario](https://saigalrealty.ca/hurontario-mississauga), [Lakeview](https://saigalrealty.ca/lakeview-mississauga), [Lisgar](https://saigalrealty.ca/lisgar-mississauga), [Lorne Park](https://saigalrealty.ca/lorne-park-mississauga), [Malton](https://saigalrealty.ca/malton-mississauga), [Mavis-Erindale](https://saigalrealty.ca/mavis-erindale-mississauga), [Meadowvale Village](https://saigalrealty.ca/meadowvale-village-mississauga), [Meadowvale](https://saigalrealty.ca/meadwovale-mississauga), [Mineola](https://saigalrealty.ca/mineola-mississauga), [Mississauga Valleys](https://saigalrealty.ca/mississauga-valleys-mississauga), [Northeast](https://saigalrealty.ca/northeast-mississauga), [Port Credit](https://saigalrealty.ca/port-credit-mississauga), [Rathwood](https://saigalrealty.ca/rathwood-mississauga), [Sheridan](https://saigalrealty.ca/sheridan-mississauga), [Sheridan Park](https://saigalrealty.ca/sheridan-park), [Southdown](https://saigalrealty.ca/southdown-mississauga), [Streetsville](https://saigalrealty.ca/streetsville)

## Team
- Swaleh (Nomi) Saigal — Broker of Record (speaks English, Urdu, Hindi)
- Numan Shafiq — REALTOR® (speaks English, Urdu, Hindi, Punjabi)
- Zak Abdelnour — REALTOR® (speaks English, Arabic)
- Alam Arbi — REALTOR® (speaks English, Urdu, Hindi)
- Kamran Saeed — REALTOR® (speaks English, Urdu, Hindi, Punjabi)
- Kamran Mustafa — REALTOR® (speaks English, Urdu, Hindi, Punjabi)

## Frequently asked questions
- **Why should I work with a real estate agent?** A professional agent provides market expertise, pricing strategy, negotiation skills, access to qualified buyers and sellers, and full support throughout the transaction. You get better results and less stress.
- **How do real estate commissions work?** In most cases the seller pays the commission, which is then shared between the listing brokerage and the buyer’s brokerage. Commission is always negotiable and is set out in writing in your agreement before we start.
- **How long does buying or selling take?** It varies with the market, the property and your readiness. As a guide, buyers often take 30–90 days to find a home and firm up a deal, and sellers typically need 2–8 weeks to prepare and list, then a few weeks to secure an offer, plus the closing period — often 30 to 90 days.
- **What is the RECO Information Guide?** Under Ontario’s Trust in Real Estate Services Act (TRESA), we must give you the Real Estate Council of Ontario’s Information Guide before we enter into an agreement with you. It explains the services you can expect and your rights as a buyer or seller.
- **What is the first step in buying a home?** Getting pre-approved for a mortgage. It confirms your budget and makes your offers stronger. We can introduce you to trusted mortgage professionals.
- **How much down payment do I need?** In Canada the minimum is 5% of the first $500,000 of the price plus 10% of the portion above $500,000. Homes priced at $1.5 million or more need at least 20% down. With less than 20% down you will also need mortgage default insurance, which is usually added to your mortgage.
- **What closing costs should I budget for?** Land transfer tax (plus Toronto’s municipal tax if you buy in Toronto), legal fees and disbursements, title insurance, a home inspection, adjustments for prepaid property taxes or utilities, and moving costs. First-time buyers may qualify for land transfer tax refunds. Try our mortgage calculator for an estimate.
- **What is a conditional offer?** An offer that depends on conditions such as financing approval, a satisfactory home inspection or a lawyer’s review of condo documents. The deal becomes firm once the conditions are fulfilled or waived.
- **Who handles the closing?** In Ontario, real estate lawyers handle the closing — they search title, register the transfer, arrange title insurance and transfer the funds. We coordinate with your lawyer and lender right through to key day.
- **What is my home worth?** We prepare a free comparative market analysis using recent comparable sales, current competition and your home’s features to determine its market value.
- **How should I prepare my home for sale?** Declutter and deep-clean, make small repairs, and consider staging or light styling. Professional photos, video and a floor plan do the rest. We give you a personalized preparation checklist.
- **Should I price high to leave room for negotiation?** Overpricing can reduce interest and leave a listing sitting on the market. Pricing competitively from the start attracts more buyers and can lead to stronger offers.
- **What marketing do you provide?** Professional photography and video, virtual tours, MLS® and national listing websites, social media and targeted ads, open houses, print materials and email campaigns.
- **Can you help me move from Ontario to Dallas?** Yes. Our Texas brokerage, Saigal Realty in Coppell, Texas, is licensed by the Texas Real Estate Commission. We can sell your Ontario home here and introduce you to our Texas-licensed team for your purchase in Dallas–Fort Worth.

## Articles
- [Milton Just Posted the Fastest Pace in Halton — Here’s What It Means If You’re Selling](https://saigalrealty.ca/milton-on-just-posted-the-fastest-pace-in-halton-heres-what-it-means-if-youre-selling): The May 2026 numbers are in from the Toronto Regional Real Estate Board, and there's a story in here that Milton sellers should know: of the four municipalities in Halton…
- [What Milton’s Q1 2026 Numbers Actually Mean If You’re Thinking of Selling](https://saigalrealty.ca/what-milton-on-q1-2026-numbers-actually-mean-if-youre-thinking-of-selling): If you’ve been sitting on the fence about listing your Milton home, the first-quarter numbers from the Toronto Regional Real Estate Board just answered a few of your…
- [Mortgage Relief? What a 0.25% Rate Cut Means for Buyers, Sellers & Homeowners](https://saigalrealty.ca/mortgage-relief-what-a-025-rate-cut-means-for-buyers-sellers-homeowners): In a move that’s making waves across the financial landscape, the Bank of Canada has trimmed its key interest rate by 0.25%, bringing it down to 2.75%.
- [Bank of Canada cuts its key interest rate by a half-point to 3.75%](https://saigalrealty.ca/bank-of-canada-cuts-its-key-interest-rate-by-a-half-point-to-375): Well, friends, the Bank of Canada has just announced something that might have a ripple effect on all our lives—a decision to lower its key interest rate by half a percentage…
- [A Seller’s Guide to Selling Your Home in Toronto/GTA (In a Buyer’s Market)](https://saigalrealty.ca/a-sellers-guide-to-selling-your-home-in-torontogta-in-a-buyers-market): The first thing to ask yourself is: how quickly do you need to sell? Are you looking for a quick move, or do you have some time to wait for the right buyer? In a buyer’s…
- [Is It a Good Time to Buy a Home? Let’s Dive Into the Current GTA Market](https://saigalrealty.ca/-is-it-a-good-time-to-buy-a-home-lets-dive-into-the-current-gta-market): If you’re thinking about buying a home in the Greater Toronto Area (GTA), you might be wondering: is now the right time to make the leap? Well, grab a cup of coffee and let’s…
- [Bank of Canada cuts key rate for first time since 2020](https://saigalrealty.ca/bank-of-canada-cuts-key-rate-for-first-time-since-2020): Alright folks,. The Bank of Canada is now confident that inflation is easing up sustainably.
- [Is this True? Canadians Now Have To 66% Capital Gains Tax On All Their Profits Over $250,000](https://saigalrealty.ca/is-this-true-canadians-now-have-to-66-capital-gains-tax-on-all-their-profits-over-250000): The 2024 federal budget (Budget 2024) proposed to increase the capital gains inclusion rate for individuals, trusts, and corporations.
- [Home for the Holidays: The Joys of Selling In-Home This Winter Season](https://saigalrealty.ca/home-for-the-holidays-the-joys-of-selling-in-home-this-winter-season): Hey there, design enthusiasts and holiday lovers! As the festive season wraps its arms around us, there's something magical about transforming your home into a warm and…
- [Bank of Canada is keeping its key interest rate steady at 5 percent](https://saigalrealty.ca/bank-of-canada-is-keeping-its-key-interest-rate-steady-at-5-percent): Hey there, folks! This is Nomi Saigal, and I want to break down what's happening in Canada.
- [Why Your Home Isn't Selling in a Slow Market](https://saigalrealty.ca/why-your-home-isnt-selling-in-a-slow-market): Hello, lovely readers! It's me, Nomi Saigal, and I'm here to talk to you about something that can be quite the head-scratcher for homeowners: why your home isn't selling in a…
- [Renovation Mistakes to Avoid](https://saigalrealty.ca/renovation-mistakes-to-avoid): Howdy, lovely readers! I'm thrilled to dive into today's topic – something that hits close to home for all you renovation enthusiasts out there: "Renovation Mistakes to…
- [Surviving High-Interest Rates](https://saigalrealty.ca/surviving-high-interest-rates): Hello, friends! Today, we're diving into a topic that can cause anxiety and sleepless nights for many homeowners: renewing your mortgage in a high-interest rate environment.
- [Bathroom Remodeling Tips: Transform Your Space with Style and Functionality](https://saigalrealty.ca/bathroom-remodeling-tips-transform-your-space-with-style-and-functionality): Bathrooms are an essential part of our homes, serving as a sanctuary where we can relax and rejuvenate.
- [Kitchen Renovation Ideas: Elevate Your Culinary Haven with Style and Function](https://saigalrealty.ca/kitchen-renovation-ideas-elevate-your-culinary-haven-with-style-and-function): Welcome, dear readers, to our kitchen-focused blog where we believe that the heart of every home deserves a touch of beauty and functionality.
- [Transform Your Home on a Budget: Budget-Friendly Renovations That Spark Joy](https://saigalrealty.ca/transform-your-home-on-a-budget-budget-friendly-renovations-that-spark-joy): Welcome, dear readers, to our blog where we believe that home transformations don't need to break the bank.
- [Designers/Decorators Tips For Home Reno !](https://saigalrealty.ca/designersdecorators-tips-for-home-reno): If you're looking for tips inspired by other renowned designers and renovators, here are some general guidelines:
- [Selling a tenanted home in Ontario](https://saigalrealty.ca/selling-a-tenanted-home-in-ontario): Selling a tenanted home in Ontario requires careful attention to detail and following the laws and regulations governing landlord-tenant relationships.
- [Looking to invest in real estate in Cambridge/Kitchener Ontario? Here's a step-by-step guide to help you make a smart investment and grow your wealth.](https://saigalrealty.ca/step-by-step-approach-to-buy-a-investment-property-in-cambridgekitchener-ontario): Are you ready to build wealth through real estate investing in Cambridge / Kitchener Ontario? Well, buckle up because I'm about to give you a step-by-step approach that will…
- [What are the financial inquiries that one should pose to oneself before purchasing a home?](https://saigalrealty.ca/what-are-the-financial-inquiries-that-one-should-pose-to-oneself-before-purchasing-a-home): Welcome to our blog! Today we're going to talk about one of the biggest financial decisions of your life: buying a house.
- [Generating Passive Income From Your Property](https://saigalrealty.ca/generating-passive-income-from-your-property): Are you tired of working 9 to 5 and want to find a way to generate passive income? Owning property can be a great way to achieve this.
- [Bank of Canada maintains policy rate](https://saigalrealty.ca/bank-of-canada-maintains-policy-rate): The Bank of Canada held its target for the overnight rate at 4½%, with the Bank Rate at 4¾% and the deposit rate at 4½%.
- [Rent-to-Own](https://saigalrealty.ca/rent-to-own): Today, we're going to talk about a financial strategy that can help you achieve your dreams of homeownership: Rent-to-Own.
- [Home Renovations Ideas To Improve Your Property Value](https://saigalrealty.ca/home-renovations-ideas-to-improve-your-property-value): I'm Nomi Saigal, and I'm excited to talk to you today about one of my favorite topics: home renovations.
- [The future of electric vehicles and your home](https://saigalrealty.ca/the-future-of-electric-vehicles-and-your-home): As the world transitions to more sustainable and environmentally-friendly practices, electric vehicles (EVs) are becoming increasingly popular.

## Contact
- [Contact & book a consultation](https://saigalrealty.ca/contact): (905) 876-4126 · 585 Ontario St S, Unit 204, Milton, ON L9T 2N2
- [Our team](https://saigalrealty.ca/our-team): agents, languages and contact details
- [Client reviews](https://saigalrealty.ca/client-reviews): Google reviews from clients