Neha the Realtor

Neha the Realtor House Hacking Enthusiast & Home Buyer Specialist

RED BRICK REAL ESTATE BROKERAGE Let me help you achieve your real estate goals, one step at a time.

As a lifelong Guelphite & experienced REALTOR®, I specialize in helping first-time home buyers & sellers in Guelph, Cambridge, Kitchener, Waterloo, Burlington, & Hamilton. With my expertise in real estate strategies, I offer creative solutions & personalized guidance to help buyers enter the market & sellers get top dollar for their property. I have hands-on experience using different investment s

trategies to build wealth & generate profit through real estate; from Airbnb to the 'BRRR' model. I prioritize providing exceptional service, leveraging my skills & market knowledge to navigate the housing market & guide clients through one of the biggest decisions of their lives.

Sunsets in Florence hit different 🌅
05/09/2025

Sunsets in Florence hit different 🌅

Venice was a dream ☁️🇮🇹
05/06/2025

Venice was a dream ☁️🇮🇹

Delulu is the solulu 🧚🏾‍♂️
12/16/2024

Delulu is the solulu 🧚🏾‍♂️

Here’s the financial breakdown 2 different house hacking strategies. Either way, you’re spending around the same amount ...
10/28/2024

Here’s the financial breakdown 2 different house hacking strategies. Either way, you’re spending around the same amount each month as you would on renting a 1 bed apartment. Except you’d be earning equity instead of paying a landlord.

Note: as of December 15th, the allowed amortization on this loan would be up to 30 years, brining the mortgage payments down to $3,529.

Message me for personalized home improvement advice📲
10/17/2024

Message me for personalized home improvement advice📲

Thank you to everyone who joined us last night at our House Hacking Seminar! And a HUGE thank you to Cardinal Law for sp...
09/26/2024

Thank you to everyone who joined us last night at our House Hacking Seminar! And a HUGE thank you to Cardinal Law for sponsoring our event!!

For those who missed our seminar, DM me to get a recorded webinar version 💻

Stayed tuned for more events to come! 📣

The federal government recently announced the boldest mortgage form we’ve seen in decades. Increasing the amortization p...
09/18/2024

The federal government recently announced the boldest mortgage form we’ve seen in decades.

Increasing the amortization period from 25 to 30 years on insurable mortgages can lower monthly payments by hundreds of dollars, depending on the size of the mortgage.

Realistically, increasing the threshold for putting down less than 20% probably isn’t going to impact most first time buyers who aren’t buying million dollar homes.

But for the ones that are, it actually will have a big impact. Currently, the minimum downpayment on a $995,000 house is $74,000, and the minimum down payment on a $1M house is $200,000.

That’s a massive difference. That being said, by putting down less than 20%, your monthly mortgage payments will be higher. So while you won’t have to put down as much cash upfront, you’re going to pay more monthly. Plus an additional $30k+ for mortgage insurance that gets added to your mortgage.

From a house hacking perspective, this opens doors to multi-family homes that are over the $1M mark, which is gives us more options.

I’m so excited to be hosting our first free House Hacking for Beginners seminar next month! As many of you know, I’ve be...
08/21/2024

I’m so excited to be hosting our first free House Hacking for Beginners seminar next month! As many of you know, I’ve been talking about house hacking for a while as a means to make home ownership more attainable and affordable. But most people really don’t understand what it is or how it works. So I put many hours into creating this seminar for young people who want to own real estate but don’t have a means of getting there. House hacking strategies create a path to affordable home ownership and I look forward to sharing these strategies with you. Click the link in my bio to reserve your spot!

P.s…there will be wine 🍷

Have you wondered what the minimum down payment you could make on a house is? The rule is a minimum of 5% down for anyth...
08/16/2024

Have you wondered what the minimum down payment you could make on a house is? The rule is a minimum of 5% down for anything under $500k. For a purchase between $500k-$1M, it’s 5% for the first $500k and $10% on the amount between $500k and $1M. Swipe to see what the works out to at different price points ➡️

Congratulations to my AMAZING clients on their new dream home! It took a few tries and a few rejections but in the end, ...
09/01/2023

Congratulations to my AMAZING clients on their new dream home! It took a few tries and a few rejections but in the end, we landed the perfect home 😍.

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Guelph, ON

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Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 9am - 9pm
Sunday 9am - 9pm

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