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To enhance your condo buying experience, it’s our job as real estate professionals to provide you with as much valuable information as possible. It is essential that the buyer be aware of all aspects of the real estate/mortgage market before making a major decision. Whether it be through newsletters, checklists or news articles, we are here to make this process stress-free and rewarding. Please access our free reports today!

		Split Mortgages The unstable rise of interest rates are leading more Canadians towards investing into split mortgages. Combination mortgages or Step Mortgages, allow consumers to split their loan among different interest rates and terms,
		Refinancing Refinancing to consolidate your debt is the smartest way to get control of your future. Today many credit card corporations charge from 8 – 20 % interest rate compounded. This can quickly drown the consumer in debt payments beyond his means,
		A Mortgage You Can afford The most important thing to remember when buying a home is that you have to pay for it. This may seem obvious, but when people are buying a home, emotion sometimes causes them to buy without doing the math first.

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Crunch Your Numbers

Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Required Fields
	Required term in years Must be a number between 1 and 50
Term In Years:
	Required interest rate Must be a number between 1 and 100
Interest Rate:	%
	Required cost of home
Cost of Home:	$
	Required down payment Cannot be more than Cost of Home
Down Payment:	$
	Required annual insurance
Annual Insurance:	$
	Estimate Insurance to 0.43% of Cost
	Required annual property tax
Annual Property Tax:	$
	Estimate Tax to 1.2% of Cost
	Required monthly income
Monthly Income:	$
	Required monthly debt
Monthly Debt:	$
Optional Fields
Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

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: $	RequiredMust be a positive number
Annual Rental Increases:	RequiredInvalid%
Monthly Renter Insurance: $	RequiredInvalid
Savings or Investment Rate:	RequiredInvalid%

Owning
Planned # of years in home:	RequiredInvalid
Yearly appreciation of the home:	RequiredInvalid%
Annual home maintenance:	RequiredInvalid%

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Abbotsford Real Estate By Century21 Coastal Realty REALTORS®

Raj Dhaliwal Personal Real Estate Corporation, REALTOR®
Century21 Coastal Realty Ltd. | Cell: 604 614 9294
105 - 7928 128 Street, Surrey BC V3W 4E9

Raj Dhaliwal is a REALTOR® with Fraser Valley Real Estate Borad in the Province of British Columbia. The enclosed information while deemed to be correct is not guaranteed. Please consult a professional before buying or selling real estate. This communication is not intended to cause or induce breach of an existing agency agreement. All Rights Reserved.

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