The simple terms
Last updated July 2026
Short version: use this site, learn from it, and share the link freely. Just do not copy the content wholesale, and do not treat the tools as professional advice. The slightly longer version is below.
Who owns what is here
The content, guides, calculators, writing, design, and code on this site are the property of Jay Patel Real Estate, unless something is clearly credited to someone else.
- You are welcome to read, use, and share links to anything here, for your own learning.
- Reproducing, republishing, repackaging, or reselling the content or tools, in whole or in part, without written permission, is not permitted.
Educational only, not advice
The guides and calculators here are educational estimates. They are not legal, tax, mortgage, or financial advice, and they are not a substitute for a professional who knows your full situation.
- Before you act on anything, confirm the specifics with the right professional: a real estate lawyer, an accountant, or a licensed mortgage professional.
- Rules and figures change over time. I work to keep them current, but I cannot guarantee every number is up to date at the exact moment you read it.
Use it with judgment
This site is provided as is, to help you understand your options and ask better questions. Any decision you make remains yours. For anything that carries real money or real consequences, get advice from a professional first.
Questions
Anything here you would like to ask about, including permission to use something, email jaypatel@gethomerealty.ca or reach out on WhatsApp.