Before you sign, you'll know the price, the next steps and what I commit to in writing. Priced street by street, not by the city average.
Dashboard: ongoing tools and a reviewed selling range. Valuation: a personal assessment, with a walkthrough if needed. Search London homes · Search St. Thomas · All Ontario coverage
Andy Nagpal is a real estate broker with eXp Realty, Brokerage, registered with RECO since 2014. He personally handles every London and St. Thomas sale and purchase, prices homes from sales on your own street rather than city averages, and puts his commitments in writing, including guarantees on qualifying sales and purchases.
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“From our very first meeting, he came prepared with a clear strategy, deep knowledge of the London market, and a realistic plan to get top dollar.”
“He was extremely patient, knowledgeable, and always had our best interests at heart.”
“His in-depth market analysis and data-driven approach gives me complete confidence in the way he works.”
Andy Nagpal is a Real Estate Broker with eXp Realty and has spent over a decade in Southwestern Ontario real estate. He personally handles every London and St. Thomas transaction. A first meeting is simple: a walkthrough, the comparable sales with the reasoning shown, and a straight answer about timing, even when that answer is to wait. No pressure to list.
More about Andy →You and I agree the list price and the closing date in writing when you list. If the home does not sell during the listing period, I buy it at the guaranteed price in your agreement.*
Who qualifies: London and St. Thomas homes that are new to the market, when your next home is one of my listings. Price limits, property-type exclusions, minimum listing and closing periods and an application fee apply, and I'll tell you at the valuation whether your home qualifies.
Terms and conditions →If the home is wrong, you are not stuck with it. Not satisfied within 18 months of closing? I will sell it for you at no commission to me.*
Who qualifies: buyers purchasing with me in London, St. Thomas and Elgin County, agreed in writing when we start working together.
Terms and eligibility →And on both sides, the Easy Exit Guarantee. Not happy with my service, and it can't be fixed? Cancel the listing, or walk away as a buyer — no hassle.*
*Terms apply — not intended to solicit buyers or sellers already under contract with another brokerage. Full conditions are in the terms and conditions. Ask me for full written program details.
MLS® HPI benchmark prices from LSTAR's September 2026 release: the value of a typical home in each area. General information for the period stated, not an appraisal or a guarantee of value for any property. London prices · St. Thomas prices
I personally handle every sale and purchase in London and St. Thomas. In the other towns I work with my team: see who covers where.
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If a qualifying home doesn't sell during the agreed listing period, Andy buys it at the guaranteed price in your written agreement. That price is set below full market value, less commission, and the program applies only to new-to-market homes in London and St. Thomas when your next home is one of Andy's listings. An application fee, minimum listing and closing periods, a price limit and property-type exclusions apply. You get the full written terms before you list.
If you buy a home with Andy in London, St. Thomas or Elgin County and you're not satisfied with it within 18 months of closing, Andy will sell it for you at no commission to him. It's agreed in writing at the start of the buyer relationship, costs nothing extra, and the full written terms are provided before you sign. Other selling costs, such as legal fees and any buyer-brokerage commission, still apply.
Yes — the valuation is free and carries no obligation to list. You receive Andy's assessment of value along with the comparable sales it's based on. If the timing isn't right for you, that's a perfectly normal outcome.
Budget for real estate commission, legal fees of roughly $1,200 to $2,000, and any mortgage discharge or penalty costs from your lender. Sellers in Ontario do not pay Land Transfer Tax — that falls to the buyer. There is no HST on the sale of a resale home used as your principal residence.
London and St. Thomas, where Andy handles every transaction personally, and Elgin County. Andy and his team also cover Lucan, Strathroy, Hamilton and Oakville, and his team covers Kitchener, Waterloo, Cambridge and Woodstock, and the Brampton-Mississauga-GTA area.
There is no standard or legally set commission rate in Ontario. Commission is negotiated between you and the brokerage and written into the listing agreement, including how much, if any, is offered to the buyer's brokerage. Andy explains his fee and what it covers, in writing, at the consultation and before you sign anything.
Plan for Ontario Land Transfer Tax, legal fees and disbursements, title insurance, a home inspection, and adjustments for prepaid property tax or utilities. With less than 20% down, Ontario charges 8% tax on the mortgage insurance premium, payable at closing. London and St. Thomas have no municipal land transfer tax. Eligible first-time buyers can get up to $4,000 of the provincial tax refunded.
Usually, for the same type of home. In September 2026 the median detached home sold for $503,000 in St. Thomas, against $610,000 in London (PropTx MLS® System via REALM, not official LSTAR statistics). St. Thomas is about 29 km south of downtown London, around 30 minutes off-peak, so the saving goes furthest for people who don't commute downtown every day. Compare the same property type, not city averages.
Selling, buying or still deciding: bring your address, your timeline and your questions, and get straight answers about your street and your options. No listing presentation, and no pressure to list.
Prefer the phone? Call 548 490 4577
