Buying
Land transfer tax and first-time buyer rebates, the FHSA and the RRSP Home Buyers’ Plan, HST rebates on new homes, and how to hold the property if you plan to rent part of it out.
Buying with a planToronto & GTA · Real Estate + Tax
Buy, sell and invest with a CPA on your side.
I’m Gurinder Sidhu — a licensed real estate sales representative with ReBest Realty Inc., Brokerage, with more than 10 years in real estate, and a Chartered Professional Accountant. One advisor who understands both the deal and the tax bill behind it.
- Toronto, Brampton, Mississauga & the GTA
- Personal, rental & corporate tax
- Plain-language advice
Why it matters
Every real estate decision is also a tax decision.
Most people find that out at tax time — after the deal has closed. I’d rather you know before you sign.
Selling
Whether the principal residence exemption fully covers you, what the anti-flipping rule means if you’ve owned for under a year, and how to report the sale correctly so the CRA has no reason to ask questions.
Selling without surprisesInvesting
Personal name or corporation? Which expenses are deductible, whether to claim CCA, HST on pre-construction and assignment sales, and what a change in use does to your tax position.
Investing with the numbersServices
Two practices. One point of contact.
Real estate
Residential sales and purchases across Toronto and the GTA, through ReBest Realty Inc., Brokerage.
- First-time buyers — from pre-approval to keys, including every rebate you qualify for.
- Sellers — pricing, preparation, negotiation and a clear picture of your net proceeds after tax.
- Investors & landlords — cash-flow analysis that includes the tax line, not just the mortgage.
- Pre-construction & assignments — deposits, HST, closing costs and the assignment rules.
Tax & accounting
CPA services for individuals, rental-property owners, self-employed professionals and small corporations.
- Personal tax returns — T1 preparation, with real planning rather than just data entry.
- Rental property tax — rental statements, CCA decisions, change-in-use and sale reporting.
- Corporate & self-employed — T2 returns, HST, owner compensation; deep experience with healthcare professional corporations and trucking companies of every size.
- Estate planning & wealth transfer — passing wealth to the next generation with as little tax as possible.
- CRA letters, reviews & audits — responses that answer exactly what was asked, with the right documents.
Free calculators
Run the numbers before you decide.
Seven tools built with Canadian rules, not US shortcuts — free and private, nothing you type is stored — plus links to a few outside calculators worth knowing.
Land transfer tax
Ontario + Toronto tax bracket by bracket, with first-time buyer rebates. Updated for Toronto’s April 2026 rates.
Open calculatorMortgage payment & affordability
Your payment with CMHC insurance, a full amortization schedule by year or by payment, and a stress-tested “how much can I afford?”
Open calculatorHow long will my money last?
Savings, yearly withdrawal, return, inflation, current and target age — see when the money runs out, or what you can safely withdraw.
Open calculatorPresent & future value
Lump sum + regular deposits, in future and today’s dollars — or the amount you need today to reach a goal.
Open calculator2025 & 2026 personal tax
Tax payable, after-tax income, and marginal rates on salary, capital gains and dividends — every province and territory.
Open calculator2025 & 2026 RRSP savings
The tax refund an RRSP contribution generates in each province, and what it really costs you after tax.
Open calculatorRESP education savings
Education costs vs. RESP savings with the government grant — and how much more to save each year.
Open calculatorOther calculators
Links to outside tools I point clients to — the Government of Canada’s retirement income calculator, a CPP & OAS timing calculator and CIBC’s investment calculators.
Open the listHow it works
What working together looks like.
A straight conversation
We start with where you are and what you’re trying to do — buy, sell, invest, or sort out your taxes. No pitch, no pressure.
The numbers, in writing
You get a clear picture of costs, taxes and net proceeds before you commit to anything, so decisions are made with the full picture.
Execution
Showings, offers, negotiation and closing coordination through ReBest Realty Inc., Brokerage — or tax filings and CRA correspondence handled end to end.
Follow-through at tax time
The year you buy or sell is the year the tax return matters most. If you want, I’ll be the one filing it.
About
Two licences, one standard of care.
I hold the CPA designation and completed the Master of Taxation Program at the University of Waterloo, after a Bachelor of Commerce at the University of Toronto specializing in accounting and economics. I spent more than seven years at a Big Four accounting firm in tax planning and compliance for corporations and high-net-worth individuals, with a focus on estate planning and wealth transfer — filing for everyone from multi-location dental and medical practices and single-truck owner-operators to major banks, mining companies, airlines and some of Canada’s largest trucking companies, including cross-border taxation and transfer pricing. I am also a registered real estate sales representative in Ontario. Both professions are regulated, both carry a duty to act in your interest, and both come down to the same thing: understanding the numbers well enough to explain them simply.
I live and work in the GTA and serve clients in Toronto, Brampton, Mississauga and the surrounding communities — in person for real estate, and in person or remotely for tax.
More about meCPAChartered Professional Accountant; Master of Taxation Program, University of Waterloo
RECORegistered real estate sales representative
7+ yrsBig Four tax planning & compliance for corporations and high-net-worth clients
10+ yrsMore than a decade in Toronto & GTA real estate
Common questions
Quick answers.
Why work with a real estate agent who is also a CPA?
Almost every real estate decision has a tax consequence: land transfer tax, the principal residence exemption, capital gains, HST on new homes, rental income and the anti-flipping rule. As a licensed sales representative and a Chartered Professional Accountant, I can show you the tax side of a deal before you sign, not after.
Which areas do you serve?
I work across Toronto and the Greater Toronto Area, including Brampton, Mississauga, Vaughan and Markham. Tax and accounting clients can be anywhere in Ontario; most work is done remotely.
Do I have to use both services?
No. You can hire me only as your real estate agent, or only for tax and accounting. Many clients start with one and add the other later.
Is your real estate work done through a brokerage?
Yes. I am a registered real estate sales representative with ReBest Realty Inc., Brokerage, and all trades in real estate are conducted through the brokerage as required in Ontario.
Let’s talk about your next move.
A free, no-obligation conversation about buying, selling, investing or your taxes. Call, email, or send a note and I’ll reply within one business day.