Calculators

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%

Our Listings

Sort By:

Photo	Address	Location	Neighborhood	Price	Size	Style	Type
<< Prev 1 2 3 4 5 6 7 8 9 10 [11 - 20] Next >>
40 photos	4700 HAMILTON RD , Suite 34		Thames Centre	$799,900	1,750 sq. ft.	2 Storey	Residential
1 photos	Toronto, WANTED MULTI FAMILY APARTMENT BUILDING	Toronto, WANTED MULTI FAMILY APARTMENT BUILDING	Toronto	$25,000,000		Commercial	Multifamily
28 photos	80 Rivermont Rd			$11,999,999		With Property "Gas Stations"	Commercial
1 photos	1 HOUR FROM TORONTO ULTRAMAR GAS STATION WITH PROPERTY	EXCLUSIVE OFFERING	Toronto	$6,900,000		Single Story	Commercial
1 photos	Retirement Home + Assisted Living - 2 1/2 hrs east of Toronto	EXCLUSIVE	Toronto	$6,500,000		Single Story	Commercial
31 photos	172 Harbord St			$6,490,000		With Property "Coin Laundromat"	Commercial
1 photos	Retirement home - 2 hrs east of Toronto		Toronto	$6,200,000		Commercial	Commercial
8 photos	74 Forest Grove Dr		Bayview/Bantry	$5,999,000		Single Story	Residential
5 photos	7 GAS STATIONS (FRANCHISES) WITH PROPERTY FOR SALE - TORONTO	EXCLUSIVE OFFERING	Toronto	$5,200,000		Single Story	Commercial
5 photos	890 Beechwood Ave		Mississauga Valley	$4,198,890		Single Story	Residential
1 photos	13 Acres Development Land - 3hrs West Of Toronto - Asking $4M or Looking For Builder to JV with		Toronto	$4,000,000		Lot / Land	Lots and Land
3 photos	3 HOURS WEST of Toronto, LAND FOR SALE	3 Hours west of Toronto, 13 acres, LAND	Toronto	$4,000,000		Lot / Land	Lots and Land
40 photos	269 Falstaff Ave			$3,499,000		Detached "2-Storey"	Residential
2 photos	341 Ashbury Rd		Oakville	$3,349,988		Detached "2-Storey"	Residential
40 photos	333 Lakeshore Rd E		Oakville	$3,299,000		Retail	Commercial
<< Prev 1 2 3 4 5 6 7 8 9 10 [11 - 20] Next >>

The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA.

When you choose Helen, it's all about YOU

Helen will always go the extra mile for YOU.

Helen will minimize the stress and make the transition smooth when you buy or sell a home with her. I presently work

in the Toronto, Mississauga, Oakville, Brampton, Milton and Burlington area.

If you want great customer service and the benefits of over 14 years of real estate experience contact Helen TODAY.

HELEN O'BRECHT

905-821-3200

helen_obrecht@rogers.blackberry.net

Feedback Form

Maria and Greg Debkowski

Helen O'Brecht was a very good agent. She made herself available and was enthusiastic and tried to meet our housing needs. She was also patient and since we were first time buyers helped us understand the many facets of purchasing a home. A follow up after we bought our home was a welcomed and nice personal touch.

Chris & Kelly Younberg

We were especially pleased with the service we received when purchasing our home. Helen O'Brecht was thorough, thoughtful, professional and efficient. She really put us at ease with the entire process.

Whether your planning to buy your first home or sell your existing home, contact us today.

We would love to hear from you!


To:	Helen OBrecht
	Please do not use <, >, or HTML.
Subject:

	First name is required. Please do not use <, >, or HTML.
First Name:
	Last name is required. Please do not use <, >, or HTML.
Last Name:
	Email is required.
* Email:
	Phone is required.
Phone:

Comments:	Please do not use <, >, or HTML.
	ReCaptcha response is not valid ReCaptcha is required

Receive additional information via email. Unsubscribe at any time.

Calculators

Our Listings

When you choose Helen, it's all about YOU

Feedback Form