Sivage Sivagumaran Reviewed By Jon on 2026-10-09

We had worked with Sivage Sivagumaran, CPA, Broker at RE/MAX Crossroads Realty Inc. about five years ago, and at that time we wrote that he had completely changed the way we looked at real estate. After everything he has done for us again recently, we can confidently say the same thing today, even stronger. Over the years, my wife and I have sold, bought, leased, and invested in Toronto and the GTA. We have dealt with different real estate situations, but we have never worked with a well-rounded Realtor like Sivage. His knowledge, responsiveness, honesty, and ability to look at real estate from both a market and financial perspective are truly rare. In mid-June, we were looking at a luxury home on Bowan Court in Bayview Woods-Steeles, Toronto. It was a private exclusive opportunity, and we initially dealt directly with another agent involved with the property. Because we have some experience buying and selling, we understood the basics, but partway through the process we started to feel that something was missing. We did not feel we had proper independent guidance, and the situation felt uncomfortable. That is when we called Sivage for advice. Even though Sivage was not part of that transaction and was not receiving any commission, he still gave us his time, knowledge, and full attention. He spent countless hours reviewing the property, researching the market, preparing a proper comparative market analysis, and helping us understand fair market value in the Bayview Woods-Steeles area. He explained the risks, the numbers, and the bigger picture clearly. His advice gave us confidence and helped us make a more informed decision. That kind of support is very rare. Many agents are only interested when there is a deal or commission involved. Sivage showed us again that he genuinely cares about people, relationships, and doing the right thing. As repeat clients, that meant a lot to us. Around the same time, we were also dealing with a very difficult pre-construction situation outside Toronto and outside the GTA. The market had changed significantly, the builder was giving us a hard time, and we were facing the possibility of a very large loss. It was an extremely stressful time for our family, with many sleepless nights. Once again, we called Sivage. Because Sivage is also a Chartered Professional Accountant, he was able to look at the situation differently from a typical real estate agent. He helped us understand the financial impact, the potential capital loss considerations, and how losses may be reviewed against past or future capital gains depending on tax rules and professional filing advice. He did not just give us real estate opinions. He helped us see a path through the chaos with logic, structure, and calm guidance. We still had to face a difficult financial outcome, but Sivage helped us understand our options and reduce the confusion. That guidance was incredibly valuable. What stands out most is the amount of time he gave us. Over these two situations, Sivage spent what felt like almost three days and countless hours helping us, answering questions, reviewing details, and guiding us, even when there was no immediate compensation for him. That tells you everything about his character. We are now planning our next step and may lease our current home as we move forward with the next property. Without question, Sivage will continue to be the person we trust for our real estate decisions. If you are buying, selling, leasing, investing, downsizing, smart-sizing, looking at a private exclusive deal, dealing with a difficult pre-construction situation, or simply need a professional real estate opinion in Toronto, Bayview Woods-Steeles, North York, Scarborough, Markham, Richmond Hill, or anywhere in the GTA, we highly recommend Sivage Sivagumaran. There are many agents in the market, and every agent has their own style. What makes Sivage different is that he can work with people from any background, any profession, and any level of real estate experience. He asks the right questions, explains the numbers, protects your interests, and gives honest guidance before you make a decision. We have already referred people to Sivage in the past, and we will continue to recommend him to our friends, golf circle, colleagues, and our medical professional network. Hardworking, knowledgeable, ethical agents like Sivage deserve to thrive, especially in difficult markets. Thank you, Sivage, for once again being there for us, not just as a Realtor, but as a trusted adviser. We are extremely thankful for your time, your patience, your financial knowledge, and your genuine care. This was truly a five-star experience, and we recommend Sivage without hesitation.

Reply: Jon, your words genuinely moved me because they reflect a relationship that has continued for years, across different real estate decisions, changing markets, and some very difficult moments. Thank you for trusting me again and for allowing me to remain part of your family’s real estate journey. When you contacted me in June about the luxury property opportunity in Bayview Woods-Steeles, Toronto, I understood immediately that you were not simply looking for another opinion. You wanted independent clarity around value, risk, market position, and whether the opportunity truly made sense. Even though I was not representing you in that transaction, I felt a responsibility to help you understand the property objectively. I reviewed the market, prepared comparative analysis, looked at the surrounding Bayview Woods-Steeles and North York data, and helped you think through fair value and the broader financial picture. I strongly believe this: when a buyer is considering a private or exclusive opportunity, the absence of broad market exposure makes independent valuation and disciplined due diligence even more important, not less. That principle guided my advice. As Sivage Sivagumaran, CPA | Toronto & GTA Real Estate Broker, I naturally look at real estate decisions from both the market and financial sides. Property value matters, but so do risk, opportunity cost, carrying costs, future flexibility, and whether the decision still makes sense after the emotion is removed. The pre-construction situation you were facing outside the GTA was very different, but equally important. I know how stressful it became for your family, especially when the market changed and the potential financial loss became significant. In that situation, my role was to help bring structure to the uncertainty. I worked through the financial impact with you, discussed the potential capital loss considerations, and helped you identify the questions that should be reviewed carefully with the appropriate tax and legal professionals before making further decisions. I never want clients to feel that difficult circumstances leave them without options simply because the outcome is not ideal. Sometimes the most valuable guidance is not about eliminating a loss, but about understanding the numbers, identifying the available choices, and making the next decision with greater clarity. What I appreciate most in your review is that you recognized the time and attention I gave even when there was no immediate transaction or commission attached. For me, the relationship has never been limited to a closing date. If someone has trusted me with major real estate decisions over many years, I want to remain available when the difficult questions arise too. You and your wife have experienced buying, selling, leasing, and investing, so your continued confidence in my judgment carries tremendous significance for me. The fact that you have already introduced me to friends, colleagues, your golf circle, and members of your professional network is a responsibility I do not take lightly. I am also grateful that our conversations helped bring more confidence and structure to both situations, even though neither one was simple. That is the kind of outcome I value most when a client is facing uncertainty. As you consider your next move and possibly leasing your current home, I will remain available for market analysis, annual property value reviews, sell-versus-hold discussions, contractor referrals, and CPA-informed conversations around carrying costs, net proceeds, and the financial implications of your real estate decisions. Jon, thank you again for five years of trust, repeat business, referrals, thoughtful conversations, and genuine friendship. I am deeply grateful that you continue to call me when the decision is important, complicated, or simply needs another set of experienced eyes. With sincere appreciation, Sivage Sivagumaran, CPA | Toronto & GTA Real Estate Broker, RE/MAX Crossroads Realty Inc. Independent Advice. Financial Clarity. Long-Term Trust Beyond the Transaction.