Issuu

Real Brokerage to Acquire REMAX

$880 Million Industry Shaping Deal

Proposed 13% HST Relief on New Homes

CREA Downgrades Resale Housing Market Forecast

Special Alberta Feature: Harinder Tumber

Manraj Mukkar

Redefining Success in Law: Practice, People, Purpose

PAM SETIA

REAL ESTATE AGENT

Pam Setia is a dynamic force in Ontario’s real estate landscape, known for her sharp insight, unwavering integrity, and deep connection to the communities she serves. With a reputation built on results and relationships, Pam has earned the trust of clients and peers alike by consistently navigating complex markets with clarity, confidence, and care. Her work reflects not only professional excellence, but also a genuine commitment to uplifting the South Asian community across Ontario.

In an exclusive upcoming cover feature, Ontario South Asian Real Estate Magazine will spotlight Pam’s journey, perspective, and the impact she continues to make in the industry. From leadership lessons to market vision, her story is one of resilience, ambition, and purpose. Stay tuned as we go beyond the transactions to reveal the woman shaping conversations—and futures—in real estate.

INTRODUCING STEAL THE DEAL

Steal the Deal is Pam Setia’s executional philosophy for building instant equity through real estate. Steal the Deal focuses on identifying, structuring, and negotiating properties where value is created at purchase through insight, timing, and financial intelligence.

By combining market expertise, disciplined negotiation, and intelligent capital structuring, Pam helps Canadians acquire properties that generate equity from day one. Every deal is evaluated not just for what it is, but for what it unlocks next transforming real estate from a transaction into a deliberate wealth-building move.

THE STEAL THE DEAL

Properties are selected and structured to create value at acquisition, not years later.

ACCESSIBLE AT EVERY PRICE POINT

Steal the Deal applies to all real estate purchases from first homes to investment and luxury properties.

Each deal strengthens both lifestyle and balance sheet, creating momentum for future opportunities.

DEDICATED EXPERTISE, EFFECTIVE COUNSEL, INSIGHTFUL ADVICE

Cassels Brock & Blackwell LLP is a Canadian law ﬁrm focused on serving the transaction, advocacy, and advisory needs of the country’s most dynamic business sectors. From public institutions to private enterprises, we offer extensive expertise in real estate law, including advising on commercial acquisitions and dispositions, ﬁnancing, commercial leasing, REITs, and mortgage recovery.

With a history of success, and over 130 years of experience, our proven track record delivers conﬁdence in our stability and results. Simply put, we promise to make your success our priority.

Navigating Today’s Lending Landscape With

Trusted

Mortgage Advisor Amrit Paul Grewal

Amrit Paul Grewal helps individuals, families, and corporations unlock financing opportunities - without compromise.

With nearly two decades of industry experience and deep lender relationships, Amrit Paul operates as a true advisor, guiding clients through every stage of the mortgage and financing journe with clarity, confidence, and precision.

There is no one-size-fits-all solution. Every file requires strat structure, and intentional planning.

BEYOND CONVENTIONAL FINANCING

Amrit Paul specializes in alternative and customized lending solutions for borrowers who do not always fit within today’s traditional banking framework. His areas of expertise include:

n Residential and investment properties

n Self-employed and complex income scenarios

n Construction and renovation financing

n Equity-based lending and wealth-driven strategies

When conventional lending paths fall short, thoughtful and creative solutions take over.

He provides access to financing solutions that may include:

n Less restrictive lending guidelines

n Higher loan-to-value opportunities

n Reduced equity requirements

n Fewer presale or income constraints

n Structures not commonly available through major banks

LET’S BUILD SMARTER FINANCING

Whether purchasing, refinancing,

TOGETHER

Message from the Publisher

Dear Readers,

Welcome to the latest edition of the Ontario South Asian Real Estate Magazine. It is with great pride that we continue to grow this platform and strengthen our commitment to highlighting the achievements, insights, and stories shaping the real estate industry across Canada. What began as a single publication has now expanded into a national presence, with editions serving readers in Ontario, Alberta, and British Columbia. This growth reflects the incredible support of our readers, advertisers, contributors, and industry partners who continue to believe in our vision of celebrating South Asian excellence in real estate and related professions.

Our feature cover story shines a spotlight on Manraj Mukkar, a respected real estate lawyer and partner at Cassels Brock & Blackwell LLP. Throughout his career, Manraj has built a reputation for delivering strategic legal counsel on complex real estate transactions while maintaining a strong focus on mentorship, leadership, and community impact. In this issue, he shares valuable insights on the evolving real estate landscape, emerging industry trends, legal considerations for buyers and developers, and the importance of integrity and innovation in professional practice. His journey serves as an inspiring example of how expertise, vision, and dedication can create lasting impact within the industry. This issue also features our Realtor Cares spotlight, recognizing real estate professionals who continue to make meaningful contributions to the communities they serve. We are proud to showcase stories of giving back and highlight the positive difference that industry leaders are making beyond real estate transactions. Readers will also find informative articles

This year marks a truly special milestone for BC South Asian Health Magazine as we proudly celebrate 15 years of serving our community. What began as a vision to create meaningful, culturally relevant conversations has grown into a trusted global brand. Over the years, we have remained committed to amplifying stories that matter—stories rooted in empowerment, education, and representation for South Asians everywhere.

We are honored to continue standing as the only platform dedicated exclusively to health, wellness, beauty, fashion, and fitness for the South Asian community on a global scale. This focus has always been at the heart of who we are. By addressing topics through a culturally informed lens, we have been able to spark dialogue, inspire healthier lifestyles, and celebrate the diversity and strength of our community across generations.

Our journey has also been one of growth and expansion. With a strong presence across multiple provinces in Canada, we are now excited to be extending our footprint internationally. We are currently in the process of expanding to California (USA), London (UK), and Dubai (UAE)—with India and Australia next our radar. These new markets represent not just geographic growth, but deeper opportunities to connect

As we look ahead, 2026 is shaping up to be a year filled with major milestones and bold new chapters. We are energized by what lies ahead and remain focused on further solidifying our strong foundation as the #1 magazine source catering to South Asians worldwide. Thank you to our readers, partners, and contributors for being an integral part of this journey—we look forward to growing, evolving, and celebrating together.

Cheers to a Happy, Healthy New Year!

REAL BROKERAGE TO ACQUIRE RE/MAX IN $880 MILLION INDUSTRY-SHAPING DEA

In one of the biggest real estate industry shakeups in recent years, The Real Brokerage has announced plans to acquire RE/MAX Holdings in a deal valued at approximately US$880 million. The merger would create a new company called “Real REMAX Group,” combining one of real estate’s fastest-growing tech-driven brokerages with one of the world’s most recognized real estate brands.

The combined organization is expected to support more than 180,000 real estate professionals across over 120 countries and territories, including more than 100,000 agents in the United States and Canada. Together, the companies say they would have generated approximately US$2.3 billion in annual revenue in 2025.

The deal reflects a growing trend of consolidation in the real estate industry as companies race to strengthen technology, scale, and market share in a rapidly evolving housing market. Industry observers compare the merger to other major industry transactions as brokerages continue adapting to changing consumer expectations and digital innovation.

REAL Brokerage, founded in 2014, has built its reputation around a cloud-based, AI-powered brokerage model with no traditional brick-and-mortar offices. RE/MAX, by contrast, is known for its long-standing franchise network, global reach, and iconic balloon branding. Analysts say the merger combines REAL’s modern technology platform with RE/MAX’s established agent network and international recognition.

Under the agreement, RE/MAX and Motto Mortgage are expected to continue operating under their existing brands, while REAL Brokerage will also remain active under its current name. The new parent company, Real REMAX Group, would be led by REAL CEO Tamir Poleg.

The acquisition is still subject to shareholder, regulatory, and court approvals, with closing expected later in 2026. If finalized, the merger could significantly reshape the future of residential real estate brokerage by accelerating the shift toward technology-focused, agent-centric business models.

Ontario Real Estate: 13% HST Removed on New Homes

– A Major Step Toward Housing Affordability

The housing market in Ontario has faced significant affordability challenges in recent years. Rising home prices, higher interest rates, and limited housing supply have made it increasingly difficult for many families to enter the market. In response to these pressures, the Ontario government has introduced a major initiative aimed at easing the burden on homebuyers: the removal of the full 13% Harmonized Sales Tax (HST) on certain newly built homes.

Effective from April 1, 2026, to March 31, 2027, the program introduces a substantial tax rebate for eligible buyers purchasing new homes. By eliminating the HST on qualifying properties, the government aims to make homeownership more accessible while also stimulating economic growth across the province.

Understanding the HST Removal Program

The 13% HST normally applied to new residential construction in Ontario combines the 5% federal Goods and Services Tax (GST) with the 8% provincial portion of the HST. While rebates have existed in the past, buyers often still had to pay a portion of the tax when purchasing newly built homes.

Under the new program, eligible buyers can receive a rebate covering the full 13% HST on newly built homes priced up to $1.5 million. The rebate can provide up to $130,000 in savings, significantly reducing the overall cost of purchasing a new property.

For example, a newly built home priced at $1,000,000 would normally include approximately $130,000 in HST. With the new rebate, eligible buyers may receive that entire amount back, making new homes considerably more affordable.

Eligibility Requirements

The rebate is designed primarily to support individuals and families purchasing newly constructed homes as their primary residence. While specific guidelines may vary, the general eligibility criteria include:

n The home must be newly constructed or substantially renovated.

n The purchase price must be $1.5 million or less.

n The buyer must intend to occupy the home as their primary residence.

n The purchase must occur between April 1, 2026, and March 31, 2027.

These requirements help ensure the program benefits real homebuyers rather than short-term investors or speculators.

affordability and supporting the construction of new homes across the province.

Economic Impact

Beyond helping individual buyers, the program is expected to deliver a strong economic boost to Ontario. Analysts estimate the initiative could generate approximately $2.7 billion in economic activity.

Impact on the Housing Market

Real estate professionals believe the removal of the 13% HST will make newly built homes more competitive compared to resale properties. Buyers who were previously unable to afford new construction may now find these homes within reach.

The policy may also encourage developers to move forward with additional projects, helping to address the province’s housing supply shortage.

Increasing the number of available homes is considered a critical step toward improving long-

However, some experts caution that if supply does not increase quickly enough, strong demand could place upward pressure on prices. For this reason, many believe the tax rebate should be paired with continued efforts to expand housing development

A Limited-Time Opportunity

Because the program is scheduled to run for only one year, it creates a limited window of opportunity for prospective buyers. Those considering purchasing a newly built home during this period could benefit from significant tax

For many families, the rebate could represent the difference between renting and owning. Lower upfront costs may also make mortgage qualification easier, opening the door to homeownership for more households.

Conclusion

Ontario’s decision to remove the full 13% HST on qualifying new homes represents a meaningful step toward addressing housing affordability challenges. By offering up to $130,000 in tax relief, the program directly reduces one of the major financial barriers faced by homebuyers.

While the initiative alone will not solve the housing crisis, it provides important support for buyers, encourages new housing construction, and contributes to broader economic growth. If successful, this program could serve as a model for future policies aimed at helping more Canadians achieve the goal of homeownership.

GURPREET KAUR MANN

Leadership & Executive Career Strategist | Founder & CEO, GKM Coaching

Building Careers.

Building Leaders. Building Legacies.

Entrepreneur, executive coach, and career strategist Gurpreet Kaur Mann has built a reputation for helping professionals and business owners position themselves as industry leaders. With a background in human resources, talent strategy, leadership development, and personal branding, she has spent more than a decade helping ambitious individuals unlock new opportunities, increase their earning potential, and create careers and businesses that align with their long-term vision.

As Founder and CEO of GKM Coaching, Gurpreet works with executives, entrepreneurs, and high-performing professionals who are ready to elevate their visibility, influence, and income. Her expertise in LinkedIn branding, executive positioning, compensation negotiation, and leadership strategy has helped clients secure senior leadership roles, grow successful businesses, and strengthen their professional presence in highly competitive markets. Her insights have earned recognition from major media outlets and industry organizations, further establishing her as a trusted authority in career and business growth.

For readers in the real estate industry, Gurpreet’s message is clear: success today requires more than expertise—it requires visibility, leadership, and a powerful personal brand. Whether working with real estate professionals, entrepreneurs, or corporate leaders, she helps clients communicate their value with confidence, attract the right opportunities, and create sustainable success. Through coaching, speaking, and mentorship, Gurpreet continues to empower professionals to think bigger, lead with purpose, and build lasting legacies for themselves and their families.

Highlights

n Founder & CEO, GKM Coaching

n Executive Career & Leadership Strategist

n LinkedIn Personal Branding Expert

n Forbes Coaches Council Member

n Recognized among leading women entrepreneurs and executive coaches

n Trusted advisor to executives, entrepreneurs, and growth-focused professionals

My goal is always the same: to deliver legal solutions that are not only practical but aligned with broader business objectives.

After completing my legal education, I gravitated toward real estate because it offered a dynamic blend of law, finance, and human connection. It’s a field where every transaction tells a story—whether it’s helping a family secure their first home, guiding a developer through a multi-phase project, or structuring a deal that enables a business to scale. I was drawn to the tangible outcomes and the strategic thinking required to make those outcomes possible.

Over the years, I’ve built a practice that reflects my passion for problem-solving and my commitment to client success. I work with a diverse range of clients—from individual investors and family offices to developers— advising on acquisitions, dispositions, and development. My goal is always the same: to deliver legal solutions that are not only practical but aligned with broader business objectives.

In today’s market, I believe clients need more than legal advice—they need a strategic partner who understands the regulatory landscape, the financial implications, and the long-term vision. That’s the role I strive to play. I approach each matter with a collaborative mindset, aiming to simplify complexity and unlock opportunity.

When did you become a partner at Cassels Brock & Blackwell LLP and what does that entail?

In 2023, I reached a significant milestone in my professional journey: I became a partner at Cassels Brock & Blackwell LLP. It was more than a title—it marked a transition into a role that carries both responsibility and opportunity. Becoming a partner meant stepping into a leadership position where I could influence not only the outcomes of legal matters but also the direction of our firm and the development of our people.

At Cassels, partnership goes far beyond managing files or overseeing transactions. It’s about mentoring the next generation of lawyers, contributing to firm-wide strategic

initiatives, and ensuring that our clients receive the highest level of service and insight. I take pride in guiding junior lawyers as they grow into confident professionals, helping them navigate the complexities of legal practice while encouraging their unique strengths.

My role also involves shaping the firm’s broader vision—whether that’s through innovation in how we deliver legal services, fostering a culture of collaboration, or identifying new opportunities for growth. In today’s legal landscape, excellence isn’t just about technical skill; it’s about adaptability, foresight, and the ability to build strong, trusted relationships.

Being part of a firm like Cassels, which values integrity, diversity of thought, innovation, and client success, has been both inspiring and energizing. I’m proud to contribute to a team that’s not only deeply knowledgeable but also forward-thinking—committed to staying ahead of industry trends and delivering meaningful results. Looking ahead, I see my role as continuing to evolve. Leadership in law means being a steward of change, a mentor, and a strategic thinker. It’s a challenge I embrace fully, and I’m excited about the impact we can make— within the firm, for our clients, and across the broader business community.

What types of real estate transactions and cases do you specialize in?

Over the years, I’ve had the opportunity to work across a broad spectrum of real estate matters— from commercial acquisitions and dispositions to land development, and real estate financing.

In addition to transactional work, I regularly advise clients on joint ventures and complex investment structures. These engagements often involve multiple stakeholders, layered financing arrangements, and long-term planning. Whether I’m working with institutional investors, developers, or private clients, I tailor my approach to meet the unique needs of each transaction. No two deals are the same, and that’s what keeps the work both intellectually engaging and commercially relevant.

What I’ve learned is that versatility isn’t just a skill—it’s a necessity. The real estate landscape is constantly evolving, shaped by regulatory changes, market dynamics, and shifting client priorities. My ability to adapt, anticipate challenges, and deliver practical, results-oriented solutions has been central to my success. I don’t just focus on the legal mechanics; I look at the bigger picture—how each decision fits into my client’s broader business strategy.

Ultimately, my goal is to be more than a legal advisor. I aim to be a strategic partner—someone who brings clarity to complexity and helps clients move forward with confidence. Whether it’s structuring a deal, negotiating terms, or resolving issues, I approach each matter with a commitment to excellence and a focus on practical outcomes.

Can you describe a particularly challenging case you’ve worked on and how you handled it?

One of the most challenging—and ultimately rewarding—cases I’ve handled involved a multi-party land acquisition that was on the brink of collapse. The transaction was complicated by a web of zoning restrictions, environmental concerns, and conflicting stakeholder interests. At first glance, it seemed like the deal might not survive the regulatory and logistical hurdles. But I’ve always believed that complexity is just opportunity in disguise.

In 2023, I reached a significant milestone in my professional journey: I became a partner at Cassels Brock & Blackwell LLP.

From the outset, I knew that a conventional approach wouldn’t work. The project required a coordinated effort across multiple legal disciplines and jurisdictions. We brought together municipal authorities, environmental consultants, and opposing counsel to find common ground. The key was to shift the conversation from obstacles to solutions.

We developed a phased closing strategy that addressed the concerns of each party involved. This structure allowed us to move forward incrementally, resolving issues in stages while maintaining momentum. It wasn’t just about legal maneuvering—it was about building trust, aligning interests, and creating a framework that everyone could support.

The success of that transaction was a powerful reminder of what strategic thinking and collaborative problem-solving can achieve. It reinforced my belief that legal expertise must be paired with creativity, diplomacy, and a deep understanding of the broader business and regulatory environment.

What are some common legal issues or disputes that arise in real estate transactions?

Real estate transactions, whether residential or commercial, often carry a level of complexity that goes far beyond the surface. Over the course of my career, I’ve seen how even seemingly straightforward deals can be derailed by legal issues—title defects, boundary disputes, misrepresentations in property disclosures, and breaches of contract are just a few of the common challenges that can arise. In commercial transactions, the stakes are often higher, with lease disagreements, financing complications, and regulatory hurdles adding further layers of risk.

My role as a real estate lawyer is not just to react to problems—it’s to anticipate them. I approach each transaction with a proactive mindset, identifying potential pitfalls early and structuring agreements that minimize

notjusttoreacttoproblems—it’s toanticipatethem.Iapproacheach

transactionwithaproactivemindset, identifyingpotentialpitfallsearlyand structuringagreementsthatminimize exposure.

exposure. This means conducting thorough due diligence, ensuring precise documentation, and maintaining clear, consistent communication with all parties involved.

Every client and every deal is unique, which is why I tailor my approach to the specific needs and goals of each transaction. Whether I’m advising institutional investors, developers, or private clients, my focus is always on delivering practical, results-oriented solutions.

How do you stay updated with changes in real estate laws and regulations?

In a field as dynamic and fast-evolving as real estate law, staying informed isn’t optional—it’s essential.

The legal landscape is constantly shifting, shaped by new legislation, market trends, and emerging technologies. Remaining proactive and informed allows me to give advice that anticipates what’s next.

I regularly attend industry conferences and participate in continuing legal education programs that keep me up to date on developments in commercial real estate. I also subscribe to leading legal and business publications, which help me track broader economic indicators and regulatory changes that may impact my clients’ interests.

At Cassels, we’ve built a culture that values knowledge-sharing and collaboration. Our lawyers routinely exchange insights on emerging trends, legislative updates, and best practices. Whether it’s through internal roundtables, practice group discussions, or informal conversations, this environment fosters continuous learning and sharpens our collective expertise.

In today’s market, legal advice must be both technically sound and commercially relevant. By investing in ongoing education and staying connected to industry developments, I ensure that my clients benefit from the most current, practical, and strategic guidance available.

What advice would you give to someone buying their first property?

Buying your first property is one of life’s most exciting milestones—but it’s also one of the most daunting. As a real estate lawyer, I’ve worked with countless first-time buyers, and I’ve seen firsthand how preparation and the right guidance can make all the difference. It’s not just about finding the right property—it’s about making informed decisions that set the foundation for long-term satisfaction and financial stability.

My first piece of advice is simple: build a trusted team. Surround yourself with professionals

who understand the process and can advocate for your interests—a knowledgeable realtor, a diligent lawyer, and a reliable mortgage advisor. Each plays a critical role in helping you navigate the transaction with confidence.

Understanding the terms of your purchase agreement is essential. Too often, buyers skim over the fine print without fully grasping their obligations or the risks involved. I always encourage clients to ask questions, no matter how small they may seem. Clarity at the outset prevents complications down the road.

It’s also important to be aware of all associated costs—land transfer taxes, legal fees, inspection costs, and closing adjustments. These can add up quickly, and being financially prepared ensures there are no surprises.

While the excitement of buying can lead to rushed decisions, I always advise clients to take their time. Conduct thorough inspections, review all documentation carefully, and don’t hesitate to walk away if something doesn’t feel right. A property is more than a purchase—it’s an investment in your future.

Ultimately, informed decisions lead to successful outcomes. When buyers take the time to understand the process, ask the right questions, and lean on experienced professionals, they’re far more likely to enjoy not just the moment of purchase—but the years that follow.

What current trends in the real estate market are impacting legal practices?

The real estate market is undergoing a profound transformation, and as a lawyer in this space, I find it both challenging and energizing. We’re seeing a wave of innovation and evolution— mixed-use developments are redefining urban planning, green building initiatives are reshaping construction standards, and proptech is revolutionizing how properties are managed, marketed, and experienced.

These trends introduce entirely new legal considerations. Zoning laws must evolve to accommodate hybrid spaces that blend residential, commercial, and recreational uses. Sustainability compliance now goes beyond energy efficiency to include carbon reporting, green certifications, and environmental impact assessments. With smart buildings powered by data-driven technologies, issues like cybersecurity, data privacy, and digital infrastructure have become central to real estate transactions.

In real estate law, some of the most complex challenges arise not from the transaction itself, but from what surrounds it—regulatory frameworks, stakeholder interests, and competing visions for land use.

Whether it’s structuring a deal for a sustainable development, advising on the legal implications of smart building technologies, or helping clients understand new zoning frameworks, I’m energized by the challenge. In this era of transformation, legal insight isn’t just about compliance—it’s about enabling innovation.

Can you provide an example of a successful negotiation or settlement you’ve achieved?

In real estate law, some of the most complex challenges arise not from the transaction itself, but from what surrounds it—regulatory frameworks, stakeholder interests, and competing visions for land use. One case that stands out involved a dispute over a proposed land development project that had stalled due to conflicting interests between a developer, local residents, and municipal planning authorities.

The developer had secured preliminary approvals, but community opposition over environmental impact and traffic concerns threatened to derail the project. The situation was tense, and litigation seemed inevitable. Rather than allowing the conflict to escalate, I stepped in to facilitate a multi-party dialogue aimed at finding common ground.

Our team worked closely with the developer to revise the project scope, incorporating sustainable design elements and traffic mitigation strategies. At the same time, we engaged with municipal officials and community representatives to ensure their concerns were acknowledged and addressed. Through a series of structured negotiations, we reached a compromise that allowed the development to proceed with modifications that satisfied all parties.

The experience reinforced a core principle I bring to my practice: legal strategy must be paired with empathy, creativity, and a deep understanding of stakeholder dynamics. In land development, success isn’t just about securing approvals—it’s about building consensus and creating solutions that are viable in the long term.

This case reminded me that the most effective legal work often happens outside the courtroom—through dialogue, innovation, and a commitment to shared success.

How do you ensure that your practice adheres to ethical standards?

In the fast-paced world of real estate law, where transactions often involve high stakes and tight timelines, ethical integrity isn’t just a professional obligation—it’s the foundation of trust. From the onset of my career, I’ve made it a priority to uphold the highest standards of conduct, not only because it’s required by the profession, but because I believe it’s essential to building meaningful, long-term relationships with clients.

Every transaction I handle is guided by a commitment to transparency. I make it a point to ensure that clients understand every stage of the process—from the initial agreement to closing and beyond. Whether it’s clarifying legal language, outlining risks, or discussing potential outcomes, I believe that open communication is key to empowering clients and protecting their interests.

Our firm has robust internal protocols and ongoing training programs designed to reinforce ethical conduct across all practice areas. We regularly review our processes to ensure compliance and accountability, and we foster a culture where integrity is not just expected—it’s actively practiced.

In my own work, I strive to embody these values in every decision I make. Whether I’m negotiating a deal, advising on a dispute, or mentoring junior lawyers, I operate with a clear sense of responsibility. I believe that trust is earned through consistency, honesty, and accountability—and that the best legal outcomes are those built on a foundation of mutual respect.

Where do you see the field of real estate law heading in the next few years?

Real estate law is no longer confined to traditional boundaries. Today, it’s a rapidly evolving field shaped by technology, sustainability, and urban innovation.

We’re witnessing a shift toward mixeduse developments that blend residential, commercial, and public spaces in ways that challenge conventional zoning and planning frameworks. At the same time, green building initiatives are pushing developers to meet higher environmental standards, introducing new layers of regulatory compliance and long-term accountability, and with the rise of proptech—everything from blockchain-based transactions to smart building systems—digital transformation is redefining how deals are structured, executed, and managed.

These changes aren’t just trends—they’re signals of a broader transformation. I anticipate a growing emphasis on sustainable development, digital transactions, and regulatory reform. As lawyers we need to be agile, tech-savvy, and forward-thinking to remain effective.

It’s no longer enough to understand the law in isolation; we must also understand how it interacts with data privacy, climate policy, infrastructure planning, and emerging technologies.

At Cassels, we’re embracing this evolution. We invest in ongoing education, technological advancements, cross-disciplinary collaboration, and innovation-driven thinking. Our goal is to ensure that our clients are not only protected but positioned to lead in a changing market.

I find this moment in real estate law incredibly exciting. We have the opportunity to help shape communities, influence sustainable growth, and contribute to meaningful progress through legal innovation. It’s a privilege to be part of that journey—and I’m committed to staying ahead of the curve, so I can continue delivering strategic, futureready counsel to my clients.

What are your plans for the future?

As I look ahead in my career, my focus is on growth— not just in terms of expanding my legal practice, but in how I contribute to the profession and the communities I serve. Real estate law continues to evolve, and with it, the opportunities to make a meaningful difference are growing. I’m committed to deepening my expertise, taking on increasingly complex and impactful projects, and continuing to deliver strategic, results-driven counsel to my clients.

But growth, to me, also means giving back. One of the most rewarding aspects of my role is mentoring emerging legal talent. I believe strongly in the value of guidance, especially in a profession that can be as demanding as it is rewarding. Helping junior lawyers navigate their early careers, develop confidence, and find their voice is something I take seriously. It’s about building a legacy of excellence and integrity that extends beyond individual achievements.

Wehavetheopportunity tohelpshapecommunities, influencesustainablegrowth, andcontributetomeaningful progressthroughlegal innovation.

I’m also deeply committed to promoting diversity and accessibility within the legal profession— particularly within the South Asian community. Representation matters, and I’ve seen how powerful it can be when young professionals see themselves reflected in leadership roles. Through mentorship, advocacy, and community engagement, I aim to help create pathways for others to succeed and thrive in spaces where they’ve historically been underrepresented.

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CREA DOWNGRADES RESALE HOUSING MARKET FORECAST

Ottawa, ON April 16, 2026 – The Canadian Real Estate Association (CREA) has updated its 2026 and 2027 forecasts for home sales activity and average home prices via the Multiple Listing Service® (MLS®) Systems of Canadian real estate boards and associations.

The major factor underpinning CREA’s long-standing forecast for higher activity going forward is the idea that pent-up demand, particularly from first-time home buyers, would start to emerge from the sidelines after having been shut out of the market over the past four years.

An important milestone for that process is the expectation that interest rates will no longer fall, and that home prices in affected parts of the country have stopped declining.

That said, beginning in the second half of March, inflation from the spike in oil prices raised the odds of a Bank of Canada rate hike later this year, raising bond yields and resulting in a jump in fixed-rate mortgages. Higher mortgage rates are expected to curtail activity on their own, but the idea that the oil shock may be short lived will likely also cause many buyers to wait for rates to come back down, further dampening activity at the most active time of the year for housing markets.

Along with a generally tepid start to the year for Canada’s economy and weaker than expected housing activity in the first three months of 2026 has resulted in a downgrade to CREA’s forecast.

Some 474,972 residential

properties are forecast to trade hands via Canadian MLS® Systems in 2026, representing an increase of 1% from 2025. As previously forecast, the national gain is still expected to be driven largely by British Columbia and Ontario where sales have more room to recover. Activity is forecast to rise only modestly or decline in other provinces where activity had previously been elevated due in part to record population

growth which is no longer a factor.

The national average home price is forecast to rise 1.5% on an annual basis to $688,955 in 2026, with virtually no growth in B.C., Alberta, and Ontario, and gains fading into the 2% to 5% range in other provinces.

In 2027, national home sales are forecast to climb a further 2.1% to 485,071 units. That said, this number could be revised above the 500,000 should higher interest rates prove unnecessary to fight inflation.

The national average home price is forecast to edge up by 0.9% from 2026 to $695,094 in 2027, with gains held to below inflation across the board. As with sales activity, this number may be subject to an upward revision should the current oil shock and associated inflation prove short lived.

This forecast would mark years six and seven that the national average home price has hovered close to the $700,000 mark.

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Home Inspections

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A home inspection is the most important step of Home Buying process. Buying a new home is probably the biggest investment you’ll ever make, and it’s a decision that will affect you for years to come. The process can be extremely stressful and confusing. And of course, there is always considerable risk involved when making such a large purchase decision. A professional inspection will significantly reduce your risk and help make the entire home-buying process easier and less stressful.

We, Technominds Inspection Services Inc. are in the Residential, Commercial, Mold and Environmental inspection business and maintain high professional standards. We all know buying a property, usually is the biggest investment we make. It’s always better to protect this investment by knowing the facts before you own them. We provide educated and valuable information to help our client to make an enlightened decision.

Our reports are detailed, unbiased, and easy to read and understand. We provide you electronic inspection report with pictures and thoroughly explain the report findings at the time of inspection. In addition to reporting any deficiencies or potential failures, our inspections include maintenance tips and other educational information.

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From Calgary to Dubai Harinder Tumber

Is Redefining Global Real Estate with Trust, Integrity, and Heart

Your journey spans India, Canada, and now Dubai. How have these three cultures shaped who you are—both personally and professionally?

I am deeply proud of my Indian roots—so much so that I joke about extending my left arm to show my vaccination scars as proof (one of those IYKYK moments). Although I moved from India to Canada when I was just three months old, India never felt distant. My parents and grandparents carried the India of 1975 with them for decades, and for at least 25 years our household existed in a kind of time loop. Indian values, traditions, and ideologies were firmly embedded into everyday life, shaped by two generations who often didn’t agree with one another.

My siblings and I were often caught in the crossfire. Still, whenever we visited, India felt undeniably like home. My parents were intentional about ensuring we never lost our culture, our relationships, or our sense of belonging while living in Canada. That upbringing deeply rooted me in family, and those relationships are ones I cherish and continue to nurture to this day.

In today’s world, where it’s easy to default to blaming our parents, I believe there is far more value in embracing what our experiences taught us. Growing up under the influence of two generations shaped my ability to cope, taught me patience within an extended family, and instilled strong family values. It exposed me to diversity, culture, travel, new foods, unfamiliar places, and different people—all of which broadened my perspective early in life. My father left India for Canada in 1972, and had my parents not made the conscious effort to take us back to India over the years, I may not have developed the courage to later move to Dubai. The experiences and diversity I gained from both India and Canada—calling each place home— gave me the confidence to venture into a new home in Dubai without hesitation or reluctance.

You’ve built your career on resilience, especially as a single mother of two. How did those life experiences influence your work ethic and leadership style in real estate?

I describe my journey using the amusement park ride known as the “Drop of Doom.” You gather the courage to get into the seat, your heart racing, strap yourself in, double-check the harness, and immediately think, Why did I agree to this? You’re slowly lifted higher and higher, your heart pounding the entire way. Then there’s a pause—and suddenly, you drop. It’s terrifying and thrilling at the same time, and once you survive it, you realize you can handle any ride after that. That’s exactly how my life felt when I went through my divorce—20 years ago—while raising two children. The passing of my best friend was the moment that forced me into that seat. I questioned everything: Should I do this? Am I going to hurt my kids? What about my family? But deep down, I knew I had to strap in, trust myself, and move forward.

I fell many times and struggled along the way, but those experiences built resilience, grit, and accountability—qualities that now define my work ethic and leadership style. When I finally entered real estate, I was

I fell many times and struggled along the way, but those experiences built resilience, grit, and accountability— qualities that now define my work ethic and leadership style.

starting from rock bottom. I had never worked in sales, never sold anything in my life, and I still remember being nervous to even say hello to a client in a show home. Real estate taught me everything I needed to know, and over time it became part of who I am. Today, I lead with empathy, purpose, and confidence, and I sell with passion, trust and integrity—because resilience isn’t just about surviving the fall; it’s about rising, leading, and building stronger after you land.

After more than a decade of success in Canada, what inspired you to take the leap into one of the world’s most competitive real estate markets— Dubai?

I truly loved my employer and my role in Canada— everything I learned over 14 years in real estate I credit entirely to my time at Sterling Homes. Never in a million years did I imagine real estate would become my career, yet it became the most rewarding and transformative change of my life. The foundation I built there gave me the confidence to take my expertise beyond borders and step into the Dubai market with clarity and conviction.

My cousin had initially brought up moving to Dubai because he hated the cold, and my instant reaction was, No way! I have a great job, my family is all here—why would I move? But what ultimately inspired me to take the leap was a simple yet powerful conversation with a friend of a friend who had already made the move. I asked him, “Why Dubai?” and his response stayed with me: “What you can do in Dubai in ten years, you cannot do in Canada in 100 years.” That single sentence expanded my thinking instantly—a moment of clarity that changed my trajectory. Combined with my international upbringing and the strong professional foundation I had built in Canada, the decision felt bold—but undeniably right.

Your teaser ad emphasizes trust, transparency, and integrity. Why are these values especially important when guiding clients through major life investments like buying a home?

Trust, transparency, and integrity are essential when guiding clients through a major life investment because buying a home is not just a financial decision—it’s deeply personal. During my time in the Canadian real estate industry as both an Area

Associate and an Area Manager, I often had to be part of very difficult conversations with clients who simply could not afford a home. Those moments were heartbreaking, but honesty was necessary.

I never believed in giving clients unrealistic expectations by showing them homes beyond their means, only to later downgrade them. Regardless of budget, purchasing a home is a significant commitment, and no client should feel diminished or discouraged during that process. Instead of saying, “Your budget isn’t enough,” I always tried every possible option until there truly were none, while remaining transparent and respectful throughout.

This approach built lasting trust. Many clients who weren’t ready at the time returned when their circumstances improved, leading to repeat business and long-term relationships that continue to this day. As long as I am in real estate, I will continue to lead with honesty and integrity—selling not just homes, but dreams, in a way that preserves dignity and trust.

You often say buying a home is an emotional milestone. How do you support clients not just financially, but emotionally, throughout the buying or investing process?

I’ve always believed that buying a home is one of the largest investments a person will make in their lifetime—because it was exactly that for me. In 2006, I purchased my first condo for $230,000. At the time, it felt impossible, but it became the most important investment I made for myself and my children.

When I bought my second home, it was only

patiently through what can be a nine-month journey filled with important decisions. While the process in Dubai is different, my core values remain the same. I take the time to recommend the right product, the right location, and the right opportunity—always aligned with my clients’ financial goals and long-term portfolio.

What unique advantages do Canadian and international investors gain by working with someone who understands both North American and UAE real estate markets?

Canadian and international investors gain a

I was fortunate to work with a trustworthy realtor who also understood the Canadian market, and that experience showed me how critical cross-market knowledge truly is. Buying property in another country is not easy— contracts, timelines, and buyer protections can be the complete opposite of what Canadian and North American investors are used to.

In Canada, I was accustomed to preparing contracts based on the selected lot, home type, and upgrades, then giving clients time to review the agreement, and secure mortgage approval before submitting a down payment and waiving conditions. In Dubai, however, the process is far more urgent. In most cases buyers are often required to place an EOI (Expression of Interest) upfront, properties are allocated on a first-come, first-served basis, and contracts are signed only after the down payment has already been made.

This is exactly where my value lies. I act as a bridge between two very different systems— preparing my clients for the urgency, clearly explaining each step, and ensuring they understand what they are committing to before they move forward. That clarity allows investors to act confidently, strategically, and without unnecessary stress when buying in the UAE market.

Dubai is known for opportunity and rapid growth. What should South Asian families and investors know before entering this market, especially from a long-term wellness and stability perspective?

Dubai is a city built on opportunity and rapid growth, but for South Asian families and investors, it’s important to look beyond shortterm gains and focus on long-term wellness and stability. While the market moves quickly and opportunities can seem urgent, entering it with clarity, planning, and the right guidance is essential. One of the most important things to understand is that Dubai’s real estate market operates very differently from South Asian and

North American markets. Decisions are often made faster, payment structures are unique, and buyers can feel pressured to act quickly. Families and investors should take the time to understand not just the property, but also the community, lifestyle, schooling options, commute, and longterm affordability—not just today, but five or ten years down the road.

For investors, sustainability is key. It’s important to align purchases with a broader financial portfolio, realistic rental expectations, and long-term demand rather than chasing hype. Dubai offers incredible potential, but success comes from informed decisions, not rushed ones.

With the right approach and trusted guidance, Dubai can be an exceptional place for South Asian families and investors to build not just wealth—but a stable, healthy, and fulfilling future.

As a South Asian woman thriving in global real estate, what challenges have you faced—and how have they strengthened your confidence and vision?

One of my biggest challenges was learning the geography of Dubai. Understanding the city’s layout, orientation, and how location directly impacts lifestyle and long-term value was not intuitive at first. I spent nearly three months exploring different areas across Dubai and the wider UAE to truly understand why someone might choose a desert community versus a waterfront property, an apartment versus a villa, or downtown living versus a suburban lifestyle. Every recommendation I make today is rooted in those insights, whether my client is an investor or a long-term resident.

Another challenge was building an entirely new client base and earning the trust of buyers who were often purchasing from across the world. Trust takes time and patience, and I never believe in pushing clients to rush such an important decision. At the same time, Dubai is a fast-moving market, so my role is to balance urgency with education and reassurance.

Many clients understandably want to see a property in person before committing, and I fully empathize with that hesitation—I felt the same way when I purchased here myself.

Being a South Asian woman has been a strong advantage in my career. I am of Indian descent, raised in Canada, and now based in Dubai. I speak Punjabi, Hindi, and English, and entered the UAE market with 14 years of real estate experience, giving me a truly global perspective. Dubai’s multicultural environment makes it a natural crossroads for people worldwide and one of the most prominent cities to live, invest, and visit. Beyond that, I’m genuinely a people person—I enjoy meeting new people, learning their stories, and understanding why they choose Dubai. Those connections naturally build trust.

most important desires in life, offering shelter and comfort, but the ultimate goal is to turn it into a home—a place where families feel safe, supported, and at peace. Whether families choose to buy or rent, the focus is on financial security and long-term stability. By guiding clients thoughtfully and transparently, I help them make decisions that protect their family’s well-being and bring peace of mind, creating a space where memories and legacy can flourish.

Looking ahead, what legacy do you hope to build—not just in real estate, but as a role model for South Asian women considering global careers and bold life transitions?

Beyond that, I’m genuinely a people person—I enjoy meeting new people, learning their stories, and understanding why they choose Dubai. Those connections naturally build trust.

Real estate plays a major role in family security and mental well-being. How do you see your work contributing to the overall health and peace of mind of the families you serve?

My parents bought a house in 1981, and I was five years old when I moved in with them, my grandparents, and my two brothers. That home has been a revolving door of family and friends for 45 years, witnessing the growth of our family, the addition of spouses, and now the lives of our six children. It has become more than a house— it’s a legacy, a home filled with memories, love, and security.

This is exactly what I aim to provide for the families I work with. A house is one of the

Looking ahead, I hope to build a legacy that reflects both my professional achievements and the values I hold dear. In real estate, my goal is to help families and investors find opportunities that offer security, comfort, and long-term value—a place or investment that not only creates memories but also contributes to financial stability. Beyond the transactions, I want my work to represent honesty, transparency, and care, showing clients that they can make lifechanging decisions with confidence and peace of mind.

I also hope to create something my two boys can be proud of—a legacy of courage, resilience, and integrity. I want them to see that pursuing your dreams, taking risks, and stepping int o new opportunities can be done with strength, thoughtfulness, and grace.

My journey in Dubai has been described by others as “brave,” but I’ve always seen it as spontaneous, an instinct to embrace opportunity in a thriving market. Yet hearing others call it brave gave me a deeper sense of courage and reaffirmed my confidence in taking bold steps.

Through my story, I hope to inspire South Asian women to trust their instincts, embrace challenges, and pursue opportunities beyond borders. I want them to see that with perseverance, curiosity, and integrity, it is possible to thrive in a global landscape while staying grounded in your values. For investors, my approach ensures that each decision is made thoughtfully, balancing growth potential with long-term stability. Ultimately, my hope is that my legacy demonstrates that bold choices, guided by principles and empathy, can create meaningful impact—not only in your career or investment portfolio but in the lives of those you serve and the family you leave behind.

I hope to inspire South Asian women to trust their instincts, embrace challenges, and pursue opportunities beyond borders.

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