Mortgage Calculators | Joven Gill Mortgages

Your payment $0 per month

Mortgage amount: $0
CMHC insurance premium: $0
Total mortgage: $0
Interest over 5-year term: $0
Interest over full amortization: $0

See what I qualify for

Household income (yearly, before tax)

$

Down payment available

$

Monthly debt payments

$

Car loans, credit card minimums, lines of credit

Interest rate

%

Qualifying at 6.29% (stress test)

Property tax (monthly)

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Strata fees (monthly)

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Amortization

Heating (monthly)

$

You could afford up to $0 estimated purchase price

Maximum mortgage: $0
Monthly payment at your rate: $0
Down payment: $0
Limited by: —

Uses 39% GDS / 44% TDS limits and a qualifying rate of the greater of your rate + 2% or 5.25%. Lenders vary. I can often find more room.

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Purchase price (fair market value)

$

I'm a first-time home buyer (Canadian citizen or permanent resident, principal residence) I'm buying a newly built home (Canadian citizen or permanent resident, principal residence)

BC rates: 1% on the first $200,000, 2% up to $2M, 3% up to $3M, plus 2% more above $3M on residential. First-time buyers pay no tax on the first $500,000 when the price is $835,000 or less, with a partial exemption up to $860,000. Newly built homes are fully exempt up to $1,100,000, with a partial exemption up to $1,150,000. Only one exemption can be claimed, so the calculator uses whichever saves you more. Confirm with your lawyer or notary.

Property transfer tax $0 due on closing

Tax before exemptions: $0
Exemption: $0
You save: $0

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Mortgage calculators.

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