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Please don't hesitate to call or email me if you have any questions about real estate, interest rates, market trends, or any other subject.
so you want to
Buy a Home

...crunching those numbers, now made easy



Ontario Mortgage Calculators
Ontario mortgage calculator help you find out what you can afford
 
 
Find out how much house you can afford before you waste any more time looking at properties that might be out of your comfortable price range!
Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43%of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %
Real Estate isn't just about buying and selling homes. Real Estate is a business that helps people achieve their hopes and dreams, and doing so in a courteous, friendly and efficient manner is our priority.
 
Tara knows that she must first listen to her clients to find out what they expect when it comes to their Southern Ontario real estate and home buying needs.
 
When you're buying property in today's Southern Ontario real estate market, it's so important to have confidence in your real estate professional. Tara's commitment as your dedicated 'Buyer Agent' is to provide you with the specialized real estate service you deserve. Make no mistake, if you want your best interests as a home buyer represented properly and exclusively... YOU WANT A BUYER'S AGENT!
 
"With our extensive email notification systems, you will personally be one of the first to preview the hottest new MLS® listings on the market, days before they hit mls.ca"
 
It's easy to set up, it's fast, it's a free service to our buyers, and you'll be properly represented by one of Ontario's leading Buyer Agents, sales representative Tara Rosen.

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If you are considering buying or selling a home in Southern Ontario, relocating to the area or would just like to have additional real estate information, don't hesitate to call or email Tara today!
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