Meet Manoj Kukreja, CFP – Oakville Real Estate Agent
Former Certified Financial Planner helping families buy and sell across Oakville, Mississauga and Vaughan with a clear strategy and real numbers.
Manoj Kukreja, CFP · Oakville, Mississauga & Vaughan
Most agents sell houses. I plan moves.
I was a Certified Financial Planner for a decade before I became a real estate agent. Since 2013, every family I've worked with has started the same way: with a strategy, a clear set of numbers, and no surprises at closing.
■ CFP since 2010 ■ Agent since 2013 ■ 100+ families helped ■ Century 21
What you'll walk away with
Example net sheet · illustrative figures
| Sale price | $1,150,000 |
| Commission + HST | −$51,980 |
| Legal fees | −$2,000 |
| Mortgage payout | −$412,000 |
| Prepayment penalty | −$6,800 |
| Moving costs | −$3,500 |
| Your net proceeds | $673,720 |
You'll see your own version of this before you sign a listing agreement.
years inside Canada's major banks before I sold a single home
Why a financial planner became an agent
The biggest investment most families make deserves a plan.
I spent about ten years at two of Canada's major financial institutions. I earned my Certified Financial Planner designation in 2010, was recognized as one of Canada's top ten financial planners, and trained other planners in the industry.
Across the table from hundreds of families, I kept seeing the same pattern. Their home was their largest asset, but the decision to buy or sell it was often rushed, emotional, and made without real numbers.
In 2013 I left a senior corporate role to bring a planner's discipline to the biggest financial decision most people ever make.
Since then I've helped over 100 families buy, sell, and invest across Oakville, Mississauga, Vaughan, and the rest of the GTA. Every one of those moves started with a strategy.
Why me, out of 70,000+ agents
A financial planner in your corner, before the sign goes up.
Strategy first
Sell first, buy first, or both?
We map your timing, closing dates, and bridge financing before anything is listed, so you never carry two homes or settle for the wrong one.
Real numbers
Your net proceeds on day one
Commission, legal fees, mortgage payout, penalties, and moving costs, all laid out before you sign. No guesses.
Negotiation
Prepared, calm, and firm
One offer or a crowded offer night, I walk in with the data and protect your bottom line.
Presentation
Your home, as a model suite
Staging that makes buyers picture themselves living there, so homes sell faster and for more.
Marketing
Video that gets watched
Professionally produced listing tours, some reaching over 28,000 views on YouTube, plus targeted online exposure.
Service
One call for everything
Stagers, contractors, lawyers, inspectors, mortgage specialists, and movers I trust, coordinated for you.
Who I help
Three kinds of moves. One planner's approach.
First-time buyers
- A tax strategy for your down payment using your FHSA, RRSP, and every rebate you qualify for
- What you should spend, not just what the bank will lend
- Step-by-step guidance, from pre-approval to keys
Sellers
- Pricing backed by recent sales on your street
- Staging, video, and a marketing plan built for your home
- Feedback after every showing, calls returned the same day
Move-up buyers & investors
- Buy-and-sell timing so you're never stuck between homes
- Total cost of ownership and long-term return on every property
- Residential, investment, and commercial experience
First-time buyers
Your first home should come with a tax plan.
Most first-time buyers leave money on the table because nobody shows them how the programs fit together. As a Certified Financial Planner, I'll help you build a down payment and closing strategy that uses every dollar of tax savings you're entitled to.
Put the FHSA to work first
Contributions are tax-deductible and withdrawals for your first home are tax-free, with nothing to repay.
Layer in the RRSP Home Buyers' Plan
We'll look at whether topping up your RRSP now gives you a bigger refund and a bigger down payment later.
Double it as a couple
FHSA and Home Buyers' Plan limits apply per person, so two first-time buyers can stack them.
Time your deductions
When you claim matters. We'll plan around your income so each deduction saves you the most tax.
Claim every closing rebate
I'll make sure your lawyer and builder apply the land transfer tax refunds and new-home rebates you qualify for.
First Home Savings Account
$40,000
$8,000 a year, $40,000 lifetime. Deductible going in, tax-free coming out.
RRSP Home Buyers' Plan
$60,000
Withdraw from your RRSP tax-free, per person. Repaid over 15 years.
Ontario land transfer tax refund
up to $4,000
Refunded on the provincial land transfer tax at closing.
Toronto land transfer tax rebate
up to $4,475
Only when buying within the City of Toronto.
First-Time Home Buyers' Tax Credit
$1,500
Claimed on your tax return the year you buy.
New homes: full HST rebate
up to $130,000
The full 13% HST back on eligible new homes up to $1M (federal and Ontario portions combined), reduced up to $1.5M. New construction only, not resale.
Amounts are per person where noted and reflect programs as of 2026. Eligibility rules apply and programs change, so we'll confirm your details with your accountant and mortgage specialist before you rely on them.
My promise to you
What working with me feels like.
Same day
Calls and messages returned the day you send them. You'll never chase me for an update.
Day one
Your numbers, in writing, before you commit to anything.
Honest
If the right answer is "now isn't the time" or "skip that renovation," I'll tell you, even when it costs me.
Your goals
Top dollar, the right timing, or a stress-free move for your family. We decide together what winning looks like.
Recognized for results
Awards & credentials
What clients say
In their words
We are very glad and grateful to have Manoj as our buying and selling agent. He is truly a professional realtor because he puts his clients before him. He listened and acted on our needs. He studied and researched the market and gave us sensible and reliable advice. He never left our calls unanswered and was always be there for us especially in times of difficulty and desperation. If you are looking for a real estate agent, look no further. He is the one! because I would not hesitate to hire him again.
— Helen Chau, Vaughan
Let's build your plan
Three months away or three years away, the best time to plan is now.
Book a free, no-obligation strategy session. You'll leave with your options, your numbers, and your next steps.
Book my strategy session →Manoj Kukreja, CFP
Sales Representative · Move With Manoj
Century 21 People's Choice Realty Inc., Brokerage
120 Matheson Blvd E, Unit 103
Mississauga, ON L4Z 1X1
The net sheet shown is an example with illustrative figures, not a quote. Tax information is general and is not tax advice; confirm your situation with a qualified tax professional. Not intended to solicit buyers or sellers already under contract with a brokerage.