How we Bought 2 Homes in 2 years in Canada l Buying multiple homes in Canada l Part-1 l Our Journey

[@letssee5430]

I have watched nearly 40 videos like this. But this was the most informative video.

[@chitchatwithshilpa]

Hey Thank u so much....

[@alenac.3934]

Informative? I don't understand a single word they are saying.

[@letssee5430]

Ok maybe you don't understand the language they are using.

[@rkrishnamohan8021]

@@alenac.3934 May be you haven’t buy a house yet

[@lendltigdi3494]

@@chitchatwithshilpa hey Shilpa is it possible to have a one on one chat with you directly? I'm a doctor by profession and have a Canadian PR but licensing is a big problem so could you please guide me as to what I should do in the healthcare system? Thank you

[@rohitdutta3272]

I am pretty sure no other Indo Canadian youtuber is currently giving more quality information than this

[@ashishvlogs7680]

Ravish is a good man!! he is one of the angels for you in your difficult time. Cheers to you all!!

[@aasmasayyad]

Great Journey Shilpa and Amit !!! Thanks for sharing the information. Having good people around you is very important.

[@simranjit5747]

Good to see you guys pulled off your second home after a week of stress and crying. People aren’t able to get their’s first no matter how much they try. Because someone somewhere wishes to buy third,fourth! PS: I own one home :)

[@shahidch4229]

Shilpa you have fantastic speaking style I think it's sure natural

[@alfeemanzur5464]

FINALLY a video with alllll the numbers, kudos to youuuu, so simply done but yet so exciting to watch :)

[@chitchatwithshilpa]

It has a part 2 also on the channel, in case you want to know more…Thank u ☺️

[@shrutigupta228]

I believe this is the only video on KZbin giving the exact figures. Kudos to you for sharing on such a detailed level 🤩

[@HappyHealthyFoodie]

Shilpa must say your speaking skills are excellent.Both of you have walked us through your hard time in finanzing your properties best part was the honest and transperancy in your talks.I pray from the core of my heart lots of happiness lots of prosperty and good luck.Hope all your dreams come true.Give some time to your spritual growth now then your life will be totally balanced.God bless you.

[@simranwaheguru3004]

I love the way you speak Shilpa... Specially the way you use your "s"🤩.... Please keep the good work going.... Please also make a video on how single women ( unmarried, divorced, windowed or separated ) can come and establish themselves in Canada.... How will they feel empowered,how the government supports them, how they feel mentally relaxed after being in Canada....How is the work atmosphere..Career graphs of women.... Owning a house as a single lady.... Interviews of a few well established single women.... Cultural acceptance of Canadians for the other cultures.. Such content will help a lot of people who are seeking the silver line in the current circumstances.... Thanks a lot 😁

[@hanishpatel7040]

Don't forget those angels who have helped you guys in with finance, very few people have that type of family & friends 😘

[@mystical__3dimple273]

So late for this but belated one months if ur KZbin 🎉❤️

[@srikanthbhattacharya1541]

Cause of peeps like this, the interest rates has gone up tremendously. Hope all the markets go down as predicted, cause bragging on internet has became a trend these days

[@Dee_sWorld]

Shilpa, you are so nice!! You have nice peopel around you.... Stay blessed!

[@arvindgoyat2921]

The way she speaks the words with ‘s’ sound , makes her conversation interesting... I like it 😎😊😌

[@chitchatwithshilpa]

Haha...this is strange...i get trolled and complimented at the same time for same thing 😀

[@nihalghanchi5932]

I saw Shilpa in ravish video for the first time talking about dubai and Canada.... just loving her since thn ... the way she explains everything and her gestures... im fan of shilpa 💕💕💕

[@chitchatwithshilpa]

Thank you so much.. :)

[@nihalghanchi5932]

ChitChat With Shilpa 💕💕💕 much love from India !! Hope to see you some day in Canada 🇨🇦

[@divyasardana24]

Shipu and Amit god bless you.. you guys did very hard work that’s why god is always with you 🥰

[@jumaaajd]

Very well explained, congratulations to both

[@devyangini]

Exciting home buying journey💃💃happy vlogging💕💕

[@praveenmishra7899]

The better your vibes, the luckier you get :)

[@chitchatwithshilpa]

True...

[@MohdSaif-vf4np]

Awww Shilpa baji getting emotional. very informative content, ThnQ

[@shobhapai8927]

I came to Toronto in 2009 with 2 toddlers and bought first 3 BHK condo with 2 washroom in 20 days of landing. We also came from Dubai. In second year, we bought detached house, then we bought our car. In 2016, bought 2 more properties and sold all condos in 2018,2019 & 2020.

[@Raishah28]

I was waiting for u to start ur own channel. So happy to see u have started one. Best of luck.

[@chitchatwithshilpa]

Thank you so much 🙂

[@avinashawasthi2214]

Filpa and Amit 👌🏼👌🏼 Nice video

[@yashmakwana6059]

Thank you!! Please keep up sharing such useful information.

[@c0583094]

Lol. Very genuine video . Best of luck guys.

[@nitingulati473]

Thanks Shilpa for Sharing your wonderful Exp. i have done almost same mistake in Stockholm. But some how survived as you guys with the help of some angels. I beleive this part should come in everyone's life to understand who all are aside to you for help and who all are just there to watch the show. Good luck Guys! just subscribed your channel.

[@stevewood5655]

Property can really make you rich no matter which country you live in. You guys played aggressively and it paid off. Well done. However, I am sure you went through a lot of difficulties to get there. Best of luck for your future.

[@jiya5423]

Thanks for sharing this... Many ppl can't see other ppl growing!

[@geetakhatri8183]

Can you discuss why is Airbnb a better option instead of just renting it?

[@ronaldcrasta6355]

Beautiful family. Simple people but brilliant ideas n good coordination

[@cheegitv588]

You guys are the best 👌 never seen anyone explaining in detail

[@WorldTraveller0001]

Now a days Calgary is the only major affordable city to buy two homes for future generations Canadians and Immigrants. Calgary has also fastest growing tech, finance and film industry. Calgary is world’s cleanest and most livable city. It is also sunniest ☀️ city in Canada. I am already seeing some of my friends and family members who work from home moving to Calgary. We will see more of this trend in coming years.

[@kabirsidhu5742]

Actually Kitchener in Ontario is fastest growing in tech it’s going to be the next silicon valley

[@WorldTraveller0001]

@@kabirsidhu5742 not anymore because of unaffordable housing. Amazon, Infosys, Mphasis And RBC already has announced their headquarters or new offices in Calgary. City of Calgary and government of Alberta are also giving tech companies tax credits to move to Calgary. Calgary also has Mountains 🏔, lakes, rivers,beaches 🏖 , sun ☀️ (sunniest city in 🇨🇦), skyline 🏙 - The combination rare to find anywhere else in the world 🌎 and perfect place for film industry for different scenery.

[@kirandeepkaur9208]

Don't worry. People like these will now invest in calgsry housing or probably already have done that. In coming time even calgary would be unaffordable .thanks to these kind of progressive people

[@cheegitv588]

You guys explains so much in detail

[@msoorya41]

Damn u guys are straight A+ . Great to see indians cracking the real estate game in Canada.

[@rohanutep81]

If you earn in Dubai or USA before coming to Canada, it is easier to buy house in Canada quickly

[@amrinsultana-cr6yx]

Very informative video. You are doing great job. ❤❤.

[@chitchatwithshilpa]

Thank you so much 🙂

[@bagirathisravanthi]

So nice if u guys sharing info so transparently.

[@letssee5430]

This is the only channel ,that I willingly subscribed by watching only 1 video.

[@varunsharma-jb4fp]

It's a great achievement buying 2 homes in 1yr. God bless you and everyone.

[@JasvirSingh-xg8rj]

Your way of explaining to real estate issue is very impressive .Thank u for that

[@kanikamaheshwari9732]

So what I love about your channel and the way u deliver that makes u stand out from other Indo-Canadian channels is... Sometimes people create a channel but r not sure enough to share financial figures for personal reasons... But, u gyz r clear and transparent that the platform is for others to grow as well and hence sharing figures might give people a realistic idea as to what's happening and how it can be done. Thanks for being so kind and helping other to grow as well❤

[@chitchatwithshilpa]

Thanks 🙏🏻

[@sohansingh6072]

Thanks for the information That was a huge heads-up

[@Prab2121]

Hi shilpa ,very well explained You have amazing speaking skills

[@felix842002]

You were lucky to get help. You guys should invite them and cook them lunch to show ur gratitude to them. It will encourage them to keep helping.

[@harpreetdawar9262]

You should thank Dubai for not collecting any taxes. For ppl who come directly to Canada, they never have $120,000 savings for their 20% down payment and then get trapped into vicious mortgage cycle + CHMC fee. Our elders always use to say that it’s always the first 100K, that will be most difficult to make, which you did in Middle East. So the hard part was done there. Once you have that seed money, any plant or two can be grown from that seed money. Ppl who come to US or Canada first instead of Middle East are never able to save that seed money because of extremely high taxes and will never be able to mortgage 2 houses in Canada or USA immediately after migrating here in 2-3 years. You should make video to encourage ppl to share all the hard work you did in Dubai to make the seed money of $100K. Anyone can make money after that, once they have that seed money 💰 . So I congratulate you for all your hard work in Dubai and also congratulate you that Dubai did not taxed you for all that hard work you did in your younger days. Internally everyone knows that you were cash rich in Dubai but now you have accumulated $1.6 million Mortgage Debt In Canada within 2 years. Hopefully you will be able to pay that off soon. All the best 👍

[@chitchatwithshilpa]

Hi Harpreet, Thank u so much for taking out time and write the encouraging comment...Yes, u r right...we were cash rich in Dubai, saved down payment there and are always grateful for Dubai...we have already made a video about our struggles 'Our Life inspires Us' I hope u will watch this video and appreciate it....we have also been featured in Ravish Vlogs in the channel Dubai Vs Canada series...where we have told all the pros abt Dubai and how much we loved living there....but again..I believe one should love the place one lives in...Mantra for a happy life 😀

[@harpreetdawar9262]

@@chitchatwithshilpa Thank you Shilpa ji. We all love Canada 🇨🇦. It’s freedom, it’s natural beauty. However Canada’s financial system makes most ppl trapped in Debt rather than make them Cash rich. And Mortgage ( Mort = Death 💀, Gage = loop around the neck) is #1 reason for that. So we need to educate our immigrant brothers and sisters on attaining that seed money plus educate them how not to get trapped in this financial mess. It seems your video was encouraging ppl and suggesting that it’s ok to be in 1 or 2 million in Debt. Can you and your partner please make video and showcase ppl how to have 1 or 2 million surplus in their bank accounts in Canada / USA? That will definitely inspire lot of ppl and they will thank you for this lifetime and for their so many generations to come. 🙏🙏🙏🙏

[@chitchatwithshilpa]

@Sanjay B if borrowing $50 k for a month seems unreasonable to buy a property, then probably most of the ppl can't buy any as everyone needs some support for unforseen expenses...we had 20% down for both our houses and needed some support for a month as our investments in other funds need some time to get in hand..anyways the purpose was to give an idea to ppl abt refinancing and sharing our journey, not to promote buying multiple properties...everybody has to see their finacials and planning and think logically....u can take away the good u like and leave the rest...obviously banks also see 100 things before handing over the mortgage and if mortgage seems unreasonable, one has choice not to buy or sell the homes....

[@shashicanth7285]

Amazing information,thanks for the sharing, god bless all of you 🙏🏼❤️

[@rajpalgurjar5895]

Shilpa you are osm,explaining the things well, surely your videos attract more Indians to Canada.

[@akashstarst23]

Subscribed your channel lately, and watched each and every vlog. I truly believe that you'll reach 1 million soon and you'll become full time youtuber soon. These vlogs are really helpful for the new immigrants. Thanks 😊

[@chitchatwithshilpa]

Thank u so much for ur encouraging words...appreciated..

[@akashstarst23]

@@chitchatwithshilpa Ma'am, just a small request. please make a video on high demanding jobs in canada, salary, courses required to enhance our skills. I've watched many videos of other youtubers but couldn't get a clear picture about it. Since you and sir have been living in canada for the last 3 years, you can provide proper guidance.

[@ExploreWithPooja]

Your way of speaking and explaining the real estate is quite impressive. Thanks for sharing this. And congratulations for your house purchases..well done 😀

[@raghavbanz3738]

Really Informative Video.... Thank you for sharing this. Best wishes to you.

[@yashk.970]

You both r really master mind, yours planning and excution relalted to life decisions, really superb.😊😊😊. u did share very interesting information with us, thanks to both of you. people r really missing valueble infotmation.😊😊😊 yours channel will be super hit soon..i m dam sure..i can feel who were those angels, helped u that time.😊😊😊

[@chitchatwithshilpa]

Thank you so much 🙂

[@03332163508]

I am surprised your realtor did not go through your finances. When we bought a house our realtor went through our finances first, told us how much we need, what we can buy, how much we need in our bank, etc. He even got our mortgage approved before we even went in the market to search for a house. It is important to have a good realtor first before you even do your search. Maybe we just got lucky as we had a good realtor and mortgage broker.

[@chitchatwithshilpa]

Probably all of us were in a picture that we can buy home with 10% down...n as we had funds for all the other things too, we dint see it coming...

[@03332163508]

@@chitchatwithshilpa you should make a video on realtor fraud, its very common and i have heard many horror stories. Its good to make others aware of it so no one falls victim to such fraud. Its not a nice feeling to loose money. Also when you talk about appraisal also explain how much interest you had to pay on your appraisal and which bank.

[@sanjeevmathur8603]

Brampton is full of ponzy schemes. Do you know how the emi gone effected if ROI is increased by 50 base point

[@niveshbindal7691]

Hey Shilpa, Its good to see you again. I will wait to see more of your videos. TC

[@lalitakeswani1257]

Firstly, big Congratulations on achieving what all you wished for, with great people around. You are blessed indeed. Wow! Havent seen refinancing option in any other vlogs, that's good to know. Thanks for sharing your experience. Stay blessed. Tc

[@michael9928]

Appreciate ur honesty in sharing information.specially during times when we need angels too .I aim to come In Canada soon but stuck with paper work currently .plz 🙏 everything works out well and once again thanks for ur positivity

[@chitchatwithshilpa]

Always welcome

[@falgunkhimasiya2531]

Thank you for being so upfront

[@VatsalSingh007]

Awesome video!! Looking forward to the next video now.

[@minushrestha3282]

Thank you Shilpa for sharing very useful tips!!!

[@rmonteiro3854]

Thanks for sharing honest couple. Good luck!

[@solite4168]

What what a story... thanks for sharing! You guys are doing awesome and have achieved so much in a short space of time.. #inspired 😊🙏

[@omitpanwar7411]

haalat bigad gayi thi puri tarah se aap logo ki didi.. but m happy aap. dono finally managed kar paaye

[@arkasarkar3901]

You should refinance this house and pay down the previous property s mortgage then you would be eligible to pay for another investment property

[@profitablebusinessstarts]

Nice journey we can learn from this , Thank you..

[@dishita_shorts]

Thank you for the heartfelt video. So much information. I pray apka teesra ghar jaldi aa jaye.

[@chitchatwithshilpa]

Thank you so much...

[@ameerhamza-dv4lz]

Yrrr bht confident ho ....

[@shishirroy9278]

Inspirational. Hats off to you both!

[@ss-lh6bo]

Hello Mam I really like your channel. Your voice ur way of interaction, your husband is also ground to earth

[@chitchatwithshilpa]

Thank you so much 🙂

[@CHARANJITSINGHBAHGA-rv4lc]

Very practical information dear

[@pankajguglani1988]

LoL 🤗🤗 you guys are amazing 👍👍😍😍 we Indian 🇮🇳 loves to take risk....💖💖✅✅🤗🤗

[@aishwarysingh1753]

Such a wonderful journey you guys have and what a amazing piece of priceless free information 😁

[@abhilashchoudhary]

This is like quick brown bag sort of session on how to invest well and fast.. for very specific audience who are very stable with their finances and careers. Really ramped up super quick on you skills as well.. kudos !! Obvious topic for next video (Brown Bag :D) how to Airbnb your place and manage it.. look forward to watching it !!

[@chitchatwithshilpa]

Thank you for appreciating the video...will make airbnb video soon..

[@ashokkunvardia]

Excellent very nice,information about Canada s baying a property,I am in London,United kingdom,last 44 years, and it’s normal by to let property

[@drvivektyagi80]

Achche logo ke saath hamesha achchaa he hota hai🤗..keep it up guys and do keep posting more so that it helps everyone..👍👍

[@indianappguy]

Do you need to be canada residence to buy property there?

[@chitchatwithshilpa]

Not necessarily but then u might end up paying 15% extra tax being a non resident in some parts of canada

[@indianappguy]

@@chitchatwithshilpa thanks for reply

[@zachariajames2385]

Thanks for sharing such a valuable information. May god bless you both.

[@switzerlandslife2503]

Aap ny Kaisy start kiya tha Dubai sy Canada ana k liye ???kya procedure tha ?please tell me about your start ?

[@sanjayset1]

Badiya.. Thanks for Sharing

[@AdityaY.j]

One of the best blogger

[@syedjawwadali1700]

I am working as a realtor in Ontario. 20% down for an investment property is a very common practice. I don't know why your realtor / Mortgage agent/ bank mortgage advisor didn't tell you about that before. Well overall you guys are on right track. Congratulations on your second house.

[@johnsnow3279]

Do real estate lawyers make good money in canada??

[@ishitasingh5330]

@@johnsnow3279 very very good money they make

[@ctawab]

@@johnsnow3279no headache And 200k+

[@BILAL_9263]

How to contact you???

[@shreyakamat787]

Shilpa di you are the best... Love to watch ur vlogs and ur daughter is too pretty

[@chitchatwithshilpa]

Thank you 😊

[@prateetdhillon441]

It was really informative

[@SathishKumar-cg8er]

Smart work guys.. yeah some decisions put us in tough situation.. but in the end, they turn out to be good.. kudos guys..

[@rahulpotdar4977]

Congratulations....👌👌👌 All the best......

[@DstProductionsandEnt]

You guys are such a Pure Soul. God Bless You

[@poorvysharma6472]

very nicely you have shared your experience. Thank you for the detailed information

[@fahadkhan-islamicspiritual7872]

Awesome. Can we have mortgage for Busniess plz ?

[@jayshreekannigadoo1165]

Omg now i found that Shilpa has a youtube channel 😍 had seen u in another video and always thought why doesnt create her own account. Congratulations ♥️♥️♥️

[@chitchatwithshilpa]

Thank you so much...

[@viperville4589]

Beauty with brains..❤️

[@nadiazarif2439]

I was in the same boat but definitely aware of the 20% percent rule so didn’t put the offer . Difference was 50 thousand and no angel came to rescue. Till now trying to figure out how to overcome that difference to be able to buy?

[@DhanashreeJ]

Hi this was an interesting topic as I believe not many people are aware about Refinancing. I got a lil confused as how you got 1lac CAD back from bank.

[@rashmimalik1034]

Yeah, I am also confused

[@chitchatwithshilpa]

Will make another Q/A video on this soon..Hope that would help..

[@abrargujar5870]

De morgaje amount increase from original amount to new value of house, keeping just 20% and 80 % giving to client(diz 80 % inkreaz morgaj amount)

[@chitchatwithshilpa]

@@abrargujar5870 yes, mortgage amount increased too

[@arshansari1413]

Thanks guys for such an informative video. ✌👍😊

[@manavpatel3617]

Guys you both very Spritable God bless u 👍

[@danieljamal3709]

Starting early is the best way of getting ahead to build wealth, investing remains a priority. Even in a downtrend, the stock market/crypto market has plenty of opportunities to earn a decent payout, with the right skills and proper understanding of how the market works.

[@devdaniel3225]

Courage taught me: no matter how bad a crisis gets, any sound investment will eventually pay off

[@helenoliver4838]

You are so right. I know because my advisor is able to find so many good plays. My portfolio literally went from $300k to $1.1m last year (not counting withdrawals I made) all really exciting. I guess it’s the experience and better judgement.

[@dannyvera8475]

@@helenoliver4838 Hey! Please who is this advisor of yours? I guess success really means total knowledge and I hope he/she can help me get back what I lost. Can I have easy access to reach out?

[@helenoliver4838]

@@dannyvera8475 My consultant is *PRISCILLA DIANE AIVAZIAN* I found her on a BBC interview where she was featured and reached out to her afterward. She has since provided entry and exit points on the securities I focus on. You can look her up online if you care about supervision. I follow her trade pattern and haven’t regretted doing so

[@dannyvera8475]

@@helenoliver4838 Access to good information is what we investors need to progress financially and generally in life. here's a good one and I am grateful. Found her website and it was really impressive

[@SanjayYadav-hd6sf]

So sweet of you😘

[@hemantkhedekar5115]

Really impressed shilpa 🎩 off U 🙏🙏

[@AnkuLIFE]

Great vdo guys....good info.

[@shad6519]

Touch the wood. Bless you Always.

[@FatimahZahra-n1v]

😅😅 you guys are love❤

[@arshpreetkaur787]

Can you please share what we're your credit score at that time and what things you kept in mind to keep in limit or to keep them in track which helped you in approval , thankyou

[@rosysandhu2443]

Your video just popped up. It was awesome video. Really loved your video with so much of information.

[@dilipgurdasani5080]

Hi shilpa..can I get in touch wid you with some questions