Newmarket Real Estate Realtor for Busy People™
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Harbour Flats - Cost of Ownership

Harbour Flats Flat   Flat   Flat
Model Sugar Maple   Black Cherry   Tamarack
Bedrooms 1   2   3
Washrooms 1   2   2
Parking 1 - undergd   1 - undergd   1 - undergd
Locker 1   1   1
Size - SF 525   810   1,335
Downpayment (see calculator below)          
CMHC insurance          
Mortgage Balance          
Mortgage per mth          
Property Tax           
Condo Fees           
Lake Club Fees          
Parking and Locker Condo Fee          
Total Condo Fees:          
Utility costs per mth (hydro,gas, water)          
Condo Insurance (estimated)          
Personal Utilities (phone,cable, internet)          
Total Mthly Cost of Ownership          
Total Mthly Cost with Mortgage          
Golf Membership (optional - special owner rates)          
Boat Slip Fees (optional - leased)          
Closing Costs          
Land Transfer Tax          
Legal Fees          
Tarion Warranty          

These Charts are made available to my clients only 

Boardwalk Condos - Cost of Ownership


Affordability Calculator

Required Fields
Estimate Insurance to of Cost
Estimate Tax to of Cost
Optional Fields
Receive Detailed Analysis  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)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %