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iCloud Realty Ltd., Brokerage Zeenat HussainSales Representative

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Zeenat Hussain · Sales Representative

Find the homeyou'll actually love.

Buying, selling or renting in Milton, Brampton, Mississauga and across the GTA. Honest advice from a realtor who started out in mortgages.

Mortgage backgroundBefore real estate
4 languagesEnglish, Farsi, Hindi, Urdu
iCloud RealtyLtd., Brokerage
MiltonBramptonMississaugaGreater Toronto Area
How can Zeenat help?

Buy. Sell. Rent.

Whatever your next move is, you'll get honest advice and someone who answers the phone.

01

Buy

Find the right home, get pre-approved and negotiate the best deal.

Browse listings
02

Sell

Price it right, market it well and sell for top dollar.

How Zeenat sells
03

Rent

For tenants looking for a place and landlords looking for good tenants.

Rentals
Listings

Current listings

All listings →
About Zeenat

From mortgages to front doors.

Clients choose Zeenat for her full-service approach, ethics, experience and expertise.

Zeenat is a family woman with a devotion to God, her husband and three beautiful children. She started her career in the mortgage industry, helping clients get their mortgages. Her clients enjoyed working with her so much that they kept asking her to find homes for them too, so she moved into real estate to help families across the GTA. Today she brings the full package of knowledge to every client, whether they're buying or selling.

Zeenat has a strong base of loyal repeat clients, and that's the reason she has done so well in a competitive market. Clients trust her judgment and value her advice. She gives every client precise, up-to-date feedback on the market, its trends, comparable sales and property values, so they know exactly what they can expect to achieve.

DesignationB.Sc, B.A
SpecialityAll transactions
BackgroundMortgages
LanguagesEnglish, Farsi, Hindi, Urdu
Work with Zeenat416-708-0644
What clients say
All reviews →
Areas served

Where Zeenat works

Milton, Brampton, Mississauga and across the GTA. Get new listings in any of these areas sent to you as soon as they hit the market.

Free home evaluation

What's your home worth?

Get a free, no-obligation price based on recent sales near you.

Home / Listings

Listings

Homes Zeenat is representing. Click a home for photos, details and to book a showing.

Looking for more? Search every active MLS® listing in Ontario.

Open map search

Finding your dream home has never been this easy.

Type the area you want to live in. Zeenat will send you new homes that match as soon as they're listed.

What's my home worth?

Enter your address for a free, no-obligation evaluation based on recent sales near you.

Want to see the latest distressed properties?

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Home / Sell

Selling your home

A clear plan from the first evaluation to closing day, with updates at every step.

01

Pricing

A free evaluation based on recent comparable sales nearby, so your home is priced to sell.

02

Prepare & market

Advice on getting your home ready, then listing it on MLS® and REALTOR.ca to reach active buyers.

03

Showings & offers

Zeenat handles showings and offers, and negotiates for the best price and terms.

04

Closing

She works with your lawyer and lender and keeps you updated right up to closing day.

“She sold our house much above the listed price, and we got our new house below the market price. For us, it was a ‘Sell High, Buy Low’ deal.”Muhammad Syed, sold & bought in Milton
Talk to Zeenat about selling
Areas served

Where Zeenat works

Get new listings in any of these areas sent to you as soon as they hit the market.

Home / Calculators & tools

Calculators & tools

Built for Ontario buyers: mortgage payments, land transfer tax, affordability and CMHC insurance.

Monthly payment
Mortgage amount
CMHC insurance (added to mortgage)
Total interest
Total cost of borrowing
PrincipalInterest

Estimate only. Canadian fixed-rate mortgages compound semi-annually. Your rate and payment depend on your lender.

Milton, Brampton and Mississauga buyers pay the Ontario tax only. Toronto buyers pay the Ontario tax plus the Toronto municipal tax.

Land transfer tax
Ontario land transfer tax
Ontario first-time buyer rebate
Toronto municipal land transfer tax
Toronto first-time buyer rebate
You pay at closing

2026 rates for one or two single-family residences. Toronto's higher rates above $3M took effect April 1, 2026. First-time buyer rebates: up to $4,000 (Ontario) and $4,475 (Toronto). Confirm with your lawyer.

Debts include car loans, credit cards, lines of credit and student loans.

You could afford up to
Qualifying (stress test) rate
Maximum mortgage
Monthly payment at your rate
Limited by

Uses the federal stress test (your rate + 2% or 5.25%, whichever is higher), 39% GDS / 44% TDS, $100/month heating and a 25-year amortization. A rough guide only. Get pre-approved for a real number.

Minimum down payment
Your down payment
Loan-to-value
CMHC premium rate
CMHC premium (added to mortgage)
Total mortgage

Minimum is 5% of the first $500,000 and 10% of the rest up to $1.5M. Homes $1.5M and up need 20%. Premiums run 0.60% to 4.00% by loan-to-value, plus 0.20% for a 30-year amortization. Ontario charges 8% PST on the premium at closing.

Visitor tools

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Alerts, reports, checklists and calculators. No obligation.

Exclusive VIP reports

Free real estate reports

Get exclusive VIP reports to help with your next purchase or sale, and learn how to invest your time and money wisely in the market.

  • Monthly market report for your neighbourhood
  • New listing and price drop alerts
  • Pre-construction condo opportunities

Send me the reports

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Home / Buyer's guide

Buyer's guide

Straight answers to the questions every buyer asks, from down payments to closing day.

0112-step guide to buying your home
  • Check your credit and budget
  • Get pre-approved for a mortgage
  • Choose your REALTOR®
  • List your must-haves
  • Tour homes and neighbourhoods
  • Make an offer
  • Negotiate
  • Arrange financing and conditions
  • Book a home inspection
  • Firm up the deal
  • Hire a real estate lawyer
  • Close and get your keys
02Land transfer tax details
Ontario charges land transfer tax on every purchase, on a sliding scale from 0.5% to 2.5%. Toronto buyers pay a second municipal tax. First-time buyers can get up to $4,000 back from Ontario and up to $4,475 from Toronto. Calculate yours
03Government programs for home buyers
  • First Home Savings Account (FHSA): save tax-free for your first home.
  • RRSP Home Buyers' Plan: borrow from your RRSP for your down payment.
  • Land transfer tax rebates for first-time buyers.
  • Home Buyers' Amount: a federal tax credit for first-time buyers.
  • GST/HST new housing rebates on qualifying new builds.

Rules change often. Ask Zeenat which ones you qualify for.

04Dream home checklist
  • Location, commute and schools
  • Bedrooms, bathrooms and layout
  • Parking and garage
  • Basement: finished, separate entrance, rental income
  • Outdoor space
  • Nice-to-haves vs. deal-breakers
05Title insurance details
Title insurance protects you from problems with the property's title, like fraud, liens, survey errors or zoning issues, that weren't found before closing. It's a one-time cost, usually arranged by your lawyer, and many lenders require it.
06House hunting checklist
  • Look at the roof, windows and foundation
  • Test the water pressure and look for water stains
  • Ask how old the furnace, AC and water heater are
  • Visit at different times of day
  • Check property taxes and utility costs
  • Take photos and notes at every showing
07What to expect from your REALTOR®
Honest advice, data on comparable sales, access to every MLS® listing, strong negotiation, help with inspections, lawyers and lenders, and support all the way to closing day.
08Commitment
Zeenat puts your interests first, communicates clearly, responds quickly and gives you a realistic picture of the market so you can decide with confidence.
09Helpful links
FAQ

Common questions

Don't see your question? Ask Zeenat.

QHow much do I need for a down payment?
In Canada the minimum is 5% of the first $500,000, plus 10% of the part between $500,000 and $1.5 million. Homes $1.5 million and up need 20%. With less than 20% down you'll also pay mortgage default insurance (CMHC). Work out yours
QWhat closing costs should I budget for?
Land transfer tax, legal fees, title insurance, a home inspection, property tax and utility adjustments, and Ontario's 8% PST on any CMHC premium. Many buyers set aside about 1.5% to 4% of the price. Zeenat will give you an estimate for your purchase.
QShould I get pre-approved before I start looking?
Yes. A pre-approval tells you what you can spend and makes your offer stronger. With her mortgage background, Zeenat can help you understand your options.
QCan I buy and sell at the same time?
Yes. Zeenat can line up both deals, including same-day closings, so you don't need a temporary place to live in between.
QHow is my home's value worked out?
By comparing it with similar homes that recently sold nearby, then adjusting for size, condition, upgrades and lot. The evaluation is free and there's no obligation.
QWhich areas do you cover?
Milton, Brampton, Mississauga, Oakville, Halton Hills, Guelph and across the GTA.
QDo you help with rentals?
Yes. Zeenat helps tenants find a place to rent and helps landlords find good tenants.
QWhich languages do you speak?
English, Farsi, Hindi and Urdu.
About Zeenat

From mortgages to front doors.

Clients choose Zeenat for her full-service approach, ethics, experience and expertise.

DesignationB.Sc, B.A
SpecialityAll transactions
BackgroundMortgages
LanguagesEnglish, Farsi, Hindi, Urdu

Zeenat is a family woman with a devotion to God, her husband and three beautiful children. She started her career in the mortgage industry, helping clients get their mortgages. Her clients enjoyed working with her so much that they kept asking her to find homes for them too, so she moved into real estate to help families across the GTA. Today she brings the full package of knowledge to every client, whether they're buying or selling.

Zeenat has a strong base of loyal repeat clients, and that's the reason she has done so well in a competitive market. Clients trust her judgment and value her advice. She gives every client precise, up-to-date feedback on the market, its trends, comparable sales and property values, so they know exactly what they can expect to achieve.

Work with Zeenat 416-708-0644
Success stories

What clients say

In their own words, from buyers and sellers across Milton, Mississauga and the GTA.

As first-time home buyers, we were very nervous about making such a significant decision. We wanted to do as much research as possible and ended up visiting a lot of homes. Zeenat was very patient throughout the process and offered us very astute advice.

When we finally found a home which was ideal, Zeenat negotiated a deal which was acceptable to both parties. We highly recommend Zeenat to any buyers or sellers seeking a hardworking agent. She will represent your interests with integrity and dedication.

SSyed Muhammad M. NaqviFirst-time buyers

A little while ago I bought my first house. There was almost a bidding war which would have taken it out of my price range, but Zeenat avoided all that and got a firm agreement from the other agent that it would be sold to me. Since everything was new to me, she spent as much time as I needed explaining everything that came up and making sure that all the paperwork was in order.

I think the main reason for her success is that she treats you like her one and only client. Your concerns are her concerns, and she works incredibly hard and has a lot of experience to make things go smoothly and the way that you want. Emails and phone calls are answered very quickly and thoroughly. You will never be left wondering what is happening.

The selling agent and seller stalled on getting some things fixed, so to keep everything on track, Zeenat took money out of her own commission to go into the closing costs. She said that me being happy with the buying process, and her reputation, was worth more than the money.

Zeenat's email signature says “I always strive to give the very highest level of customer service.” Believe it. You will be very happy if Zeenat is your agent.

MMukhtarFirst-time buyer

We came in contact with Ms. Zeenat Hussain by referral, when our daughter's family were buying their first home in Milton. Their lawyer referred them to Zeenat, who was then working as a mortgage consultant. My son-in-law, going through the home buying process for the first time, was impressed by her professional dealings. She arranged the mortgage for him at very good rates.

In 2014 we were again in the market, this time looking for a bigger house for a growing family. We hired Zeenat as our real estate agent to sell our house and to buy a bigger one. She sold our house much above the listed price, and we got our new house $10,000 to $20,000 below the then market price. For us, it was a “Sell High, Buy Low” deal.

To qualify for the mortgage on the new house, we had to sell our house first and use the equity. For that, Zeenat negotiated a same-day closing with the purchaser of our house and the seller of our new house. Without this, one can imagine the hassle and expense of finding and moving to interim accommodation.

Whether you are buying or selling, you can depend on Zeenat's professional advice for getting a good deal. I highly recommend her as a real estate agent.

MMuhammad SyedSold & bought in Milton

We bought a home in Mississauga and the experience was very good compared to our fears. Most of the credit goes to our agent, Zeenat Hussain.

As first-timers, the process of buying a home seemed hard and tedious, with lots of home viewings, offers, counter offers and paperwork. Luckily, our agent was very patient with our decisions and guided us through the whole process, from choosing our house to finding a good lawyer.

In the end we got everything we needed with no surprises. Our family would like to thank Zeenat for her good service.

FFazila KasiBought in Mississauga

We were new to Canada and totally new to the process of buying our first home. We were lucky that Zeenat Hussain was our agent. Because of her deep knowledge of mortgages and housing, we bought our first home at a very good price and moved in very happily without any hassles or problems.

Zeenat guided us through each and every step until the day of our closing. We are very happy with Zeenat and highly recommend everyone buy or sell with her.

AAmjadFirst-time buyers, new to Canada

We want to thank you for all the assistance, time and hard work you put in selling our house. In addition, you went out of your way to help us find our dream home. You went beyond the call of duty, and we will forever be grateful. Not only are you our real estate agent, but a dear friend as well.

We have found Zeenat to be very professional, hardworking, patient and courteous. She listened carefully to our needs and guided us to what we wanted, always patient, caring and smiling. We could count on her any time of day, and she answered all our questions and concerns. Zeenat was a pleasure to work with. Not only is she our realtor, but a lifelong friend.

SSyed & AsiyaSold & bought
Home / Contact

Contact Zeenat

Buying, selling, or just curious what your home is worth? Send a message or call. Zeenat speaks English, Farsi, Hindi and Urdu.

Get in touch

Mobile416-708-0644 Office1-877-306-4776 Emailzhussain2001@gmail.com Office272 Queen Street E., Brampton, ON L6V 1B9

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