FLAT RATE REALTY FLAT FEE MLS with Full Service. Real Estate is Our Deal
Garry Samec

FLAT RATE REALTY

Covering areas including:

Toronto, Mississauga, Oakville, Etobicoke, Milton, Burlington,

Scarborough, Ajax, Whitby, Stoney Creek , Grimsby.

Call us for availability in your area.


How Much Can You Afford?



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 e-mail yourself a copy of your results, click the Receive this Detailed Analysis link.

 
Required
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
0.43%of Cost
Annual Property Tax:  $  
1.2%of Cost
Monthly Income:  $
Monthly Debt:  $
Optional
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $

Results
  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:  
 
Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)
Monthly Rent: $
  No. of Years you plan on keeping the home:
Annual Rental Increases:   %   Yearly Appreciation on the Home: %
Monthly Renter Insurance: $   Annual Home Maintenance: %
Savings or Investment Rate:   %  


Flat Rate Realty

Flat Fee Realty covers the areas including: Toronto, Mississauga, Oakville, Burlington, Hamilton, Stoney Creek, Grimsby, Milton, Vaughan, EtobicokeScarborough, Markham, Aurora, Barrie, Innisfil, Ajax, Whitby, Oshawa, Orillia. If your area is not listed, call us, we can probably sell your house too. Discount Realty,  Discount Realtors ? Yes we have lowered the commissions but we have not cut the service.

 

* Plus fee to Buyers Representative, which may be Flat Fee Realty Inc. Additional fees, such as advertising costs, may apply.

** Savings based on hypothetical 5% commission rate including GST., commission and fees cannot be fixed and are negotiable.

 

 

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