LET MY 23 YEARS EXPERIENCE WORK FOR YOU!

Selling in the next year: I will give you free tips on things you can do to help increase your home's value and prepare it so that it sells faster. Finding out what your neighbours home sold for is important when pricing your home. Send me the address and I will look it up.

Buying a home in the next year: I have many free tools to help you and I will be happy to answer your questions free of charge. If you want to be the first person to know about new listings that come up, send me your search criteria. We sometimes sell homes before they go on mls so I will be happy to send you those addresses asap. There is no obligation.

Want free guidance: I will be happy to answer your questions for free. Once you find a home, if you want, I can provide you with historic data for that home and sale price of neighbouring homes. I would be happy to help you negotiate any home purchase or sale. I've been doing it for 23 years. Give me a call.



Michel Brissette
Email Michel

Phone:	613-837-0011
Cell:	613-668-1445

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

Required Must be a number between 1 and 50
Term In Years:
Required Must be a number between 1 and 100
Interest Rate:	%
Required
Cost of Home:	$
Required Cannot be more than Cost of Home
Down Payment:	$
Required
Annual Insurance:	$
Estimate Insurance to 0.43%of Cost
Required
Annual Property Tax:	$
Estimate Tax to 1.2%of Cost
Monthly Income:	$ Required
Monthly Debt:	$ Required

Optional

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:

Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)

Monthly Rent:	$ RequiredMust be a positive number	No. of Years you plan on keeping the home:	RequiredInvalid
Annual Rental Increases:	% RequiredInvalid	Yearly Appreciation on the Home:	% RequiredInvalid
Monthly Renter Insurance:	$ RequiredInvalid	Annual Home Maintenance:	% RequiredInvalid
Savings or Investment Rate:	% RequiredInvalid

I am happy to serve you.

LET MY 23 YEARS EXPERIENCE WORK FOR YOU!

How Much Can You Afford?

I am happy to serve you.