Barrie, Innisfil and Orillia Real Estate - Full Real Estate Solutions and Investment





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
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% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
  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:  %

Rent To Own - Home Ownership is Possible

Are you looking to make a change in your life and have been renting for a long time? Have you ever wondered about home ownership and not sure how to go about it? Have you recently gone through a separation but still like owning a home but not sure if you can qualify on your own?

Let our team of experts help you get into home ownership. Know up front, you don't get anything for free and if it sounds too good to be probably is.

What you need to know:

Some sort of downpayment WILL be required. Why? We aren't going to promise you NO MONEY Down because that's not a win for you. Why? Because you need to have some money down to start with some sort of equity position and get you started in the right direction. 

GET PRE-QUALIFIED - yes, it's ok to look for houses online to see what you like but we don't want you to be disappointed. This is why it's important to start with getting pre-qualified first and knowing your financial position. How much credit/debt do you have? How much is your income? How much of a mortgage can you qualify for? 

If you have faced Bankruptcy, bad credit or consumer proposal - it is possible to perhaps own but we need to get you going in the RIGHT DIRECTION.

You can find more details on our website, complete the application by clicking on this link Home Ownership

Important Note: before you go to do the above application/website, here's an overview of how this rent to own program works and steps to take:

1. You apply online and we'll give you a pre-approval within 48hrs (often much sooner) to tell you the maximum price of home we can help you buy

2. You'll go out shopping with the assigned REALTOR® of the team to find the home of your choice (of pre-qualified range)

3. You'll sign your agreement, place your deposit and move-in to the home once it's secured.

4. Of course, if we take a look at your application and it turns out you'd be able to qualify for a mortgage we can help you with that as well. We work with several experienced mortgage brokers so we're a pretty good "one-stop-shop" to help you figure out the best way to purchase your next home!

Buying real estate is not as intimidating as you think. Let's move in the right direction to get you going and home ownership for 2017