mediatours.ca
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108.59.13.22
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Submitted URL: http://33riverbank.ca/
Effective URL: https://mediatours.ca/property/33-riverbank-road-brampton/
Submission: On March 17 via api from US — Scanned from US
Effective URL: https://mediatours.ca/property/33-riverbank-road-brampton/
Submission: On March 17 via api from US — Scanned from US
Form analysis 3 forms found in the DOM
<form id="orderForm">
<div id="closeOrderForm" class="close fa fa-times"></div>
<div class="orderHeading">I'd like to schedule a showing with Ben</div><br>
<table class="orderTable">
<tbody>
<tr>
<td>Name</td>
<td><input type="text" name="name"></td>
</tr>
<tr>
<td>Email</td>
<td><input type="text" name="email"></td>
</tr>
<tr>
<td>Tel</td>
<td><input type="text" name="phone"></td>
</tr>
<tr>
<td>Preferred date/time</td>
<td><input type="text" name="date"></td>
</tr>
<tr>
<td></td>
<td><input type="button" class="btn btn-primary" id="sendReq" value="Send"></td>
</tr>
</tbody>
</table>
<input type="hidden" name="agent" value="4953">
</form><form novalidate="" class="ng-pristine ng-valid">
<table class="rh-calc-head">
<tbody>
<tr>
<td class="col01">
<h3 id="ask_heading">Asking Price</h3>
</td>
<td class="col02">
<label for="ask" class="accessible">Asking Price</label>
<input id="ask" name="ask" type="text" class="text input-number " value="" pattern="[0-9]*">
</td>
<td class="col03">
<a class="go" href="#" tabindex="9"><span>Go</span></a>
<div class="calc-tip-wrapper calc-tip-step1">
<div class="calc-tip nib-left active">
<div class="calc-tip-top"></div>
<div class="calc-tip-middle">
<div class="calc-tip-title"><a href="#" class="calc-tip-close"> </a>STEP 1</div>
<div class="calc-tip-content">
<span class="content-purchase">Enter the price of the home you're interested in and press GO.</span>
<span class="content-renew" style="display:none">Enter the amount of the mortgage you wish to renew or refinance and press GO.</span>
</div>
</div>
<div class="calc-tip-bottom"></div>
<div class="calc-tip-nib"></div>
</div>
</div>
</td>
<td class="social" colspan="2" style="text-align:right;">
</td>
</tr>
</tbody>
</table>
<table class="rh-calc-main">
<tbody class="purchase" style="">
<tr class="downpayment percent">
<td class="col1" rowspan="2">Down payment</td>
<td class="col2" rowspan="2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Down payment </span>
<span class="rh-content"> The amount of money you pay up front to obtain a mortgage. The minimum down payment in Canada is 5%. For down payments of less than 20%, home buyers are required to purchase mortgage default insurance, commonly
referred to as CMHC insurance. </span>
</span>
</td>
<td class="col3"></td>
<td class="col4 scen1">
<label for="dp_pc1" class="accessible">Down payment 1 (%)</label>
<input id="dp_pc1" name="dp_pc[]" type="text" class="text input-number" data-unrounded="0.05" value="5%" pattern="[0-9]*">
</td>
<td class="col4 scen2">
<label for="dp_pc2" class="accessible">Down payment 2 (%)</label>
<input id="dp_pc2" name="dp_pc[]" type="text" class="text input-number" data-unrounded="0.1" value="10%" pattern="[0-9]*">
</td>
<td class="col4 scen3">
<label for="dp_pc3" class="accessible">Down payment 3 (%)</label>
<input id="dp_pc3" name="dp_pc[]" type="text" class="text input-number" data-unrounded="0.15" value="15%" pattern="[0-9]*">
</td>
<td class="col4 scen4">
<label for="dp_pc4" class="accessible">Down payment 4 (%)</label>
<input id="dp_pc4" name="dp_pc[]" type="text" class="text input-number" data-unrounded="0.2" value="20%" pattern="[0-9]*">
</td>
</tr>
<tr class="downpayment alt">
<td class="col3"><span class="ico-minus">minus</span></td>
<td class="col4 scen1">
<label for="dp_dol1" class="accessible">Down payment 1 ($)</label>
<input id="dp_dol1" name="dp_dol[]" type="text" class="text input-number" pattern="[0-9]*">
</td>
<td class="col4 scen2">
<label for="dp_dol2" class="accessible">Down payment 2 ($)</label>
<input id="dp_dol2" name="dp_dol[]" type="text" class="text input-number" pattern="[0-9]*">
</td>
<td class="col4 scen3">
<label for="dp_dol3" class="accessible">Down payment 3 ($)</label>
<input id="dp_dol3" name="dp_dol[]" type="text" class="text input-number" pattern="[0-9]*">
</td>
<td class="col4 scen4">
<label for="dp_dol4" class="accessible">Down payment 4 ($)</label>
<input id="dp_dol4" name="dp_dol[]" type="text" class="text input-number" pattern="[0-9]*">
</td>
</tr>
<tr class="cmhc">
<td class="col1">Mortgage insurance</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Mortgage insurance </span>
<span class="rh-content"> Mortgage default insurance, commonly referred to as CMHC insurance, protects the lender in the case the borrower defaults on the mortgage. Mortgage default insurance is required on all mortgages with down
payments of less than 20%, which are known as high ratio mortgages. Mortgage default insurance is calculated as a percentage applied to your mortgage amount. </span>
</span>
</td>
<td class="col3"><span class="ico-plus">plus</span></td>
<td class="col4 scen1"></td>
<td class="col4 scen2"></td>
<td class="col4 scen3"></td>
<td class="col4 scen4"></td>
</tr>
<tr class="total">
<td class="rh-col" colspan="2"><span>Total Mortgage Required</span></td>
<td class="col3"><span class="ico-well">equals</span></td>
<td class="col4 scen1">$-</td>
<td class="col4 scen2">$-</td>
<td class="col4 scen3">$-</td>
<td class="col4 scen4 last">$-</td>
</tr>
</tbody>
<tbody class="mortgage-options">
<tr class="amortization">
<td class="col1">Amortization period</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Amortization period </span>
<span class="rh-content"> The length of time it will take a homeowner to pay off his/her mortgage. In Canada, the maximum amortization period for insurable mortgages is 25 years. Longer amortization periods allow homeowners to make
smaller monthly payments, but equate to more interest paid over the life of the mortgage. </span>
</span>
</td>
<td class="col3"> </td>
<td class="col4 scen1">
<div class="calc-tip-wrapper calc-tip-step2">
<div class="calc-tip nib-left">
<div class="calc-tip-top"></div>
<div class="calc-tip-middle"><a href="#" class="calc-tip-close"> </a>
<div class="calc-tip-title">STEP 2</div>
<div class="calc-tip-content">Choose an amortization period.</div>
</div>
<div class="calc-tip-bottom"></div>
<div class="calc-tip-nib"></div>
</div>
</div>
<label for="amort1" class="accessible">Amortization period 1</label>
<span class="rh-select">
<div class="select2-container" id="s2id_amort1" style="width: 112px;"><a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-3">
Select </span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label for="s2id_autogen3" class="select2-offscreen">Amortization period 1</label><input
class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-3" id="s2id_autogen3">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen3_search" class="select2-offscreen">Amortization period 1</label> <input type="text" autocomplete="off" autocorrect="off"
autocapitalize="off" spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-3" id="s2id_autogen3_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-3"> </ul>
</div>
</div><select id="amort1" name="amort[]" tabindex="-1" title="Amortization period 1" class="select2-offscreen">
<option value="" selected="selected"> Select </option>
<option value="5">5 years</option>
<option value="10">10 years</option>
<option value="15">15 years</option>
<option value="20">20 years</option>
<option value="25">25 years</option>
<option value="30" disabled="disabled">30 years</option>
<option value="other">Other</option>
</select>
</span>
</td>
<td class="col4 scen2">
<label for="amort2" class="accessible">Amortization period 2</label>
<span class="rh-select">
<div class="select2-container" id="s2id_amort2" style="width: 112px;"><a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-4">
Select </span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label for="s2id_autogen4" class="select2-offscreen">Amortization period 2</label><input
class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-4" id="s2id_autogen4">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen4_search" class="select2-offscreen">Amortization period 2</label> <input type="text" autocomplete="off" autocorrect="off"
autocapitalize="off" spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-4" id="s2id_autogen4_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-4"> </ul>
</div>
</div><select id="amort2" name="amort[]" tabindex="-1" title="Amortization period 2" class="select2-offscreen">
<option value="" selected="selected"> Select </option>
<option value="5">5 years</option>
<option value="10">10 years</option>
<option value="15">15 years</option>
<option value="20">20 years</option>
<option value="25">25 years</option>
<option value="30" disabled="disabled">30 years</option>
<option value="other">Other</option>
</select>
</span>
</td>
<td class="col4 scen3">
<label for="amort3" class="accessible">Amortization period 3</label>
<span class="rh-select">
<div class="select2-container" id="s2id_amort3" style="width: 112px;"><a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-5">
Select </span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label for="s2id_autogen5" class="select2-offscreen">Amortization period 3</label><input
class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-5" id="s2id_autogen5">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen5_search" class="select2-offscreen">Amortization period 3</label> <input type="text" autocomplete="off" autocorrect="off"
autocapitalize="off" spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-5" id="s2id_autogen5_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-5"> </ul>
</div>
</div><select id="amort3" name="amort[]" tabindex="-1" title="Amortization period 3" class="select2-offscreen">
<option value="" selected="selected"> Select </option>
<option value="5">5 years</option>
<option value="10">10 years</option>
<option value="15">15 years</option>
<option value="20">20 years</option>
<option value="25">25 years</option>
<option value="30" disabled="disabled">30 years</option>
<option value="other">Other</option>
</select>
</span>
</td>
<td class="col4 scen4">
<label for="amort4" class="accessible">Amortization period 4</label>
<span class="rh-select">
<div class="select2-container" id="s2id_amort4" style="width: 112px;"><a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-6">
Select </span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label for="s2id_autogen6" class="select2-offscreen">Amortization period 4</label><input
class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-6" id="s2id_autogen6">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen6_search" class="select2-offscreen">Amortization period 4</label> <input type="text" autocomplete="off" autocorrect="off"
autocapitalize="off" spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-6" id="s2id_autogen6_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-6"> </ul>
</div>
</div><select id="amort4" name="amort[]" tabindex="-1" title="Amortization period 4" class="select2-offscreen">
<option value="" selected="selected"> Select </option>
<option value="5">5 years</option>
<option value="10">10 years</option>
<option value="15">15 years</option>
<option value="20">20 years</option>
<option value="25">25 years</option>
<option value="30">30 years</option>
<option value="other">Other</option>
</select>
</span>
</td>
</tr>
<tr class="mortgage-rate">
<td class="col1">Mortgage rate</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Mortgage rate </span>
<span class="rh-content"> The rate of interest you will pay on the outstanding balance of your mortgage. This is determined by the mortgage type and mortgage provider. To see how rates vary by type and provider, click on "Select Rate"
link on the right. </span>
</span>
</td>
<td class="col3"> <br> </td>
<td class="col4 scen1" style="position:relative;">
<div class="calc-tip-wrapper calc-tip-step3">
<div class="calc-tip nib-left">
<div class="calc-tip-top"></div>
<div class="calc-tip-middle">
<div class="calc-tip-title"><a href="#" class="calc-tip-close"> </a>STEP 3</div>
<div class="calc-tip-content">Enter a mortgage rate to calculate the corresponding payment.</div>
</div>
<div class="calc-tip-bottom"></div>
<div class="calc-tip-nib"></div>
</div>
</div>
<input class="rate-value text" name="rate_value" type="text">
</td>
<td class="col4 scen2" style="position:relative;">
<input class="rate-value text" name="rate_value" type="text">
</td>
<td class="col4 scen3" style="position:relative;">
<input class="rate-value text" name="rate_value" type="text">
</td>
<td class="col4 scen4" style="position:relative;">
<input class="rate-value text" name="rate_value" type="text">
</td>
</tr>
<tr class="total-mortgage-payment">
<td colspan="3" class="rh-col">
<h4>Total Mortgage Payment</h4>
</td>
<td class="col4 scen1" rowspan="2">
<span class="details simple">
<span class="amount">$-</span>
</span>
</td>
<td class="col4 scen2" rowspan="2">
<span class="details simple">
<span class="amount">$-</span>
</span>
</td>
<td class="col4 scen3" rowspan="2">
<span class="details simple">
<span class="amount">$-</span>
</span>
</td>
<td class="col4 scen4" rowspan="2">
<span class="details simple">
<span class="amount">$-</span>
</span>
</td>
</tr>
<tr class="payment-freq">
<td class="col1">
<label for="freq">Frequency</label>
<span class="rh-select">
<div class="select2-container" id="s2id_freq" style="width: 112px;">
<a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-7">Monthly</span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label
for="s2id_autogen7" class="select2-offscreen">Frequency</label><input class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-7" id="s2id_autogen7">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen7_search" class="select2-offscreen">Frequency</label> <input type="text" autocomplete="off" autocorrect="off" autocapitalize="off"
spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-7" id="s2id_autogen7_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-7"> </ul>
</div>
</div><select id="freq" name="freq" tabindex="-1" title="Frequency" class="select2-offscreen">
<option value="12,1">Monthly</option>
<option value="26,1">Bi-weekly</option>
<option value="12,2">Accelerated Bi-weekly</option>
</select>
</span>
</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Mortgage payment </span>
<span class="rh-content"> The monthly mortgage payment is calculated based on the inputs you provided: the mortgage amount, rate type (fixed or variable), term, amortization period, and payment frequency. A general affordability rule, as
outlined by the Canada Mortgage and Housing Corporation, is that your monthly housing costs should not exceed 32% of your gross household monthly income. </span>
</span>
</td>
<td class="col3"> </td>
</tr>
</tbody>
<tbody class="land-transfer-tax" style="">
<tr class="first">
<td class="rh-col" colspan="4">
<div class="rh-title">
<div> Land Transfer Tax: <span>$-</span>
</div>
</div>
</td>
<td colspan="3" class="rh-col profile" rowspan="4">
<div class="calc-tip-wrapper calc-tip-step4">
<div class="calc-tip nib-left">
<div class="calc-tip-top"></div>
<div class="calc-tip-middle"><a href="#" class="calc-tip-close"> </a>
<div class="calc-tip-title">STEP 4</div>
<div class="calc-tip-content">If necessary, update your profile to calculate land transfer tax.</div>
</div>
<div class="calc-tip-bottom"></div>
<div class="calc-tip-nib"></div>
</div>
</div>
<div class="rh-title">
<div> Profile </div>
</div>
<div class="section">
<div class="rh-row">
<label for="ltt-location">Location:</label><span class="rh-select">
<span class="rh-city-selector">
<div class="select2-container" id="s2id_ltt-location">
<a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-1"><span>Brampton, ON</span></span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label
for="s2id_autogen1" class="select2-offscreen">Location:</label><input class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-1" id="s2id_autogen1">
<div class="select2-drop select2-display-none select2-with-searchbox">
<div class="select2-search"> <label for="s2id_autogen1_search" class="select2-offscreen">Location:</label> <input type="text" autocomplete="off" autocorrect="off" autocapitalize="off" spellcheck="false" class="select2-input"
role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-1" id="s2id_autogen1_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-1"> </ul>
</div>
</div><input id="ltt-location" name="location" required="" class="rh-city-select select2-offscreen" data-placeholder="Please select" tabindex="-1" title="Location:">
</span>
</span>
</div>
<div class="rh-row fthb" style="visibility: visible;">
<label for="fthb">I am a first-time home buyer</label><span class="rh-checkbox-container">
<div class="icheckbox" style="position: relative;"><input type="checkbox" class="checkbox" id="fthb" name="fthb" style="position: absolute; opacity: 0;"><i class="fa fa-square"></i><i class="fa fa-check-square"></i><ins
class="iCheck-helper" style="position: absolute; top: 0%; left: 0%; display: block; width: 100%; height: 100%; margin: 0px; padding: 0px; background: rgb(255, 255, 255); border: 0px; opacity: 0;"></ins></div>
</span>
</div>
<div class="rh-row pcp" style="visibility: hidden;">
<label for="pcp">I am buying a newly built home</label><span class="rh-checkbox-container">
<div class="icheckbox" style="position: relative;"><input type="checkbox" class="checkbox" id="pcp" name="pcp" style="position: absolute; opacity: 0;"><i class="fa fa-square"></i><i class="fa fa-check-square"></i><ins
class="iCheck-helper" style="position: absolute; top: 0%; left: 0%; display: block; width: 100%; height: 100%; margin: 0px; padding: 0px; background: rgb(255, 255, 255); border: 0px; opacity: 0;"></ins></div>
</span>
</div>
</div>
</td>
</tr>
<tr class="ltt provincial">
<td class="col1">Provincial:</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Provincial </span>
<span class="rh-content"> Land transfer tax (LTT), typically calculated as a percentage of the purchase price of a home, is required when purchasing a home in Canada. All provinces have a LTT, and the amount varies in each province.
</span>
</span>
</td>
<td class="col3"><span class="ico-plus">plus</span></td>
<td class="col4">
<div></div>
</td>
</tr>
<tr class="ltt municipal">
<td class="col1">Municipal:</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Municipal </span>
<span class="rh-content"> Some municipalities, like Toronto, levy an additional LTT, which is similarly calculated as a percentage of the purchase price of a home. </span>
</span>
</td>
<td class="col3"><span class="ico-plus">plus</span></td>
<td class="col4">
<div></div>
</td>
</tr>
<tr class="ltt rebate">
<td class="col1">Rebate:</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Rebate </span>
<span class="rh-content"> If you are a first-time home buyer in British Columbia or Ontario, you will be eligible for LTT rebates, equal to the value of the LTT up to a maximum amount set by the province. </span>
</span>
</td>
<td class="col3"><span class="ico-minus">minus</span></td>
<td class="col4">
<div></div>
</td>
</tr>
<tr class="ltt fees">
<td colspan="5" class="col1" style="display: none;"></td>
</tr>
</tbody>
<tbody class="land-transfer-tax" style="display: none;">
<tr class="first">
<td class="rh-col" colspan="5">
<div class="rh-title">
<div> Land Transfer Tax <span>$-</span>
</div>
</div>
</td>
</tr>
<tr class="ltt provincial">
<td class="col1">Provincial:</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Provincial </span>
<span class="rh-content"> Land transfer tax (LTT), typically calculated as a percentage of the purchase price of a home, is required when purchasing a home in Canada. All provinces have a LTT, and the amount varies in each province.
</span>
</span>
</td>
<td class="col3"><span class="ico-plus">plus</span></td>
<td class="col4" colspan="2">
<div></div>
</td>
</tr>
<tr class="ltt municipal">
<td class="col1">Municipal:</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Municipal </span>
<span class="rh-content"> Some municipalities, like Toronto, levy an additional LTT, which is similarly calculated as a percentage of the purchase price of a home. </span>
</span>
</td>
<td class="col3"><span class="ico-plus">plus</span></td>
<td class="col4" colspan="2">
<div></div>
</td>
</tr>
<tr class="ltt rebate">
<td class="col1">Rebate:</td>
<td class="col2"> <span class="rh-tooltip-container top-right">
<a class="rh-tooltip" data-trigger="hover" data-placement="top" show-by-default="false" data-original-title="" title=""><span class="fa-stack no-hover">
<i class="fa fa-circle-thin fa-stack-2x"></i>
<i class="fa fa-question fa-stack-1x"></i>
</span><span class="fa-stack is-hover">
<i class="fa fa-circle fa-stack-2x"></i>
<i class="fa fa-question fa-inverse fa-stack-1x"></i>
</span></a>
<span class="rh-title"> Rebate </span>
<span class="rh-content"> If you are a first-time home buyer in British Columbia or Ontario, you will be eligible for LTT rebates, equal to the value of the LTT up to a maximum amount set by the province. </span>
</span>
</td>
<td class="col3"><span class="ico-minus">minus</span></td>
<td class="col4" colspan="2">
<div></div>
</td>
</tr>
<tr class="ltt fees">
<td colspan="5" class="col1" style="display: none;">*You will be required to pay a title transfer fee.</td>
</tr>
<tr>
<td class="rh-col" colspan="5">
<div class="calc-tip-wrapper calc-tip-step4">
<div class="calc-tip nib-left">
<div class="calc-tip-top"></div>
<div class="calc-tip-middle"><a href="#" class="calc-tip-close"> </a>
<div class="calc-tip-title">STEP 4</div>
<div class="calc-tip-content">If necessary, update your profile to calculate land transfer tax.</div>
</div>
<div class="calc-tip-bottom"></div>
<div class="calc-tip-nib"></div>
</div>
</div>
<div class="rh-title">
<div> Profile </div>
</div>
</td>
</tr>
<tr class="ltt profile">
<td class="col1" colspan="3">Location</td>
<td class="col4" colspan="2">
</td>
</tr>
<tr class="ltt profile fthb" style="visibility: visible;">
<td class="col1" colspan="4">I am a first-time home buyer</td>
<td class="col4" colspan="1"></td>
</tr>
<tr class="ltt profile pcp" style="visibility: hidden;">
<td class="col1" colspan="4">I am buying a newly built home</td>
<td class="col4" colspan="1"></td>
</tr>
</tbody>
</table>
<input type="submit" value="Calculate" style="position: absolute; width:10px; left:-999em;">
<div class="payment-calc-ext">
<div class="calc-tip-wrapper calc-tip-step5">
<div class="calc-tip nib-up">
<div class="calc-tip-top"></div>
<div class="calc-tip-middle">
<div class="calc-tip-title"><a href="#" class="calc-tip-close"> </a></div>
<div class="calc-tip-content">Explore the drop-downs to better understand your mortgage choice.</div>
</div>
<div class="calc-tip-bottom"></div>
<div class="calc-tip-nib"></div>
</div>
</div>
<div id="calc_extension">
<div class="content-page cash-needed">
<h3 class="section-header">
<a href="#">
<span class="section-title">Cash Needed</span><span class="expand-section"></span><div class="section-desc">How much extra cash will I need when my house closes?</div>
</a>
</h3>
<div class="section-content" style="display: none;">
<p>When you purchase a house, there are a number of costs you'll need to put cash aside for in addition to your down payment. These costs depend on a number of factors including things like what kind of home you are buying (i.e. house vs.
condo) and where the home is located.</p>
<p>Our tool will help you calculate these costs, so you know how much you'll need to save.</p>
<label for="home_type">Type of home:</label>
<span class="rh-select">
<div class="select2-container" id="s2id_home_type" style="width: 160px;">
<a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-8">House</span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label
for="s2id_autogen8" class="select2-offscreen">Type of home:</label><input class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-8" id="s2id_autogen8">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen8_search" class="select2-offscreen">Type of home:</label> <input type="text" autocomplete="off" autocorrect="off" autocapitalize="off"
spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-8" id="s2id_autogen8_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-8"> </ul>
</div>
</div><select id="home_type" tabindex="-1" title="Type of home:" class="select2-offscreen">
<option value="house">House</option>
<option value="condo">Condominium</option>
</select>
</span>
<div class="ledger-header">
<h4>Required Cash Expenditures</h4>
<div class="ledger-values">
<label for="scenario">Scenario:</label>
<span class="rh-select">
<div class="select2-container scenario" id="s2id_scenario" style="width: 160px;">
<a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-9">1 (5.00% down)</span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label
for="s2id_autogen9" class="select2-offscreen">Scenario:</label><input class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-9" id="s2id_autogen9">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen9_search" class="select2-offscreen">Scenario:</label> <input type="text" autocomplete="off" autocorrect="off" autocapitalize="off"
spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-9" id="s2id_autogen9_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-9"> </ul>
</div>
</div><select id="scenario" class="scenario select2-offscreen" tabindex="-1" title="Scenario:">
<option value="0">1 (5.00% down)</option>
<option value="1">2 (10.00% down)</option>
<option value="2">3 (15.00% down)</option>
<option value="3">4 (20.00% down)</option>
</select>
</span>
</div>
</div>
<ul class="ledger-items">
<li>
<div class="ledger-item ledger-dp">
<span class="item-name">Down payment</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-cmhc-pst">
<span class="item-name">PST on mortgage insurance</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-ltt">
<span class="item-name">Land Transfer Tax</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-lawyer">
<span class="item-name">Lawyer fees</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-title">
<span class="item-name">Title insurance</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li class="ledger-cert">
<div class="ledger-item">
<span class="item-name">Estoppel certificate fee</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item highlight ledger-cash-req">
<span class="item-name">Total Cash Required</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
</ul>
<div class="ledger-header">
<h4>Other Cash Considerations</h4>
</div>
<ul class="ledger-items">
<li>
<div class="ledger-item ledger-inspect">
<span class="item-name">Home inspection fees</span>
<span class="ledger-values">
<span class="item-val first">$300 - $500</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-appraisal">
<span class="item-name">Appraisal fees</span>
<span class="ledger-values">
<span class="item-val first">$300</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
</ul>
</div>
</div>
<div class="content-page monthly-expenses">
<h3 class="section-header">
<a href="#">
<span class="section-title">Monthly Expenses</span><span class="expand-section"></span><div class="section-desc">Can I afford my monthly expenses & mortgage payments?</div>
</a>
</h3>
<div class="section-content" style="display: none;">
<!--
<div class="ledger-header">
<h4>Income</h4>
<div class="ledger-values">
<label for="scenario">Scenario:</label>
<select id="scenario">
<option value="0">1</option>
<option value="1">2</option>
<option value="2">3</option>
<option value="3">4</option>
</select>
</div>
</div>
<ul class="ledger-items">
<li>
<div class="ledger-item ledger-income">
<span class="item-name">Total</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item indent ledger-income-tax">
<span class="item-name">Less: Income tax</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item highlight ledger-net-income">
<span class="item-name">Net income</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
</ul>
-->
<div class="ledger-header">
<h4>Expenses</h4>
<div class="ledger-values">
<label for="scen_2">Scenario:</label>
<span class="rh-select">
<div class="select2-container scenario" id="s2id_scen_2" style="width: 160px;">
<a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-10">1 (5.00% down)</span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label
for="s2id_autogen10" class="select2-offscreen">Scenario:</label><input class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-10" id="s2id_autogen10">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen10_search" class="select2-offscreen">Scenario:</label> <input type="text" autocomplete="off" autocorrect="off" autocapitalize="off"
spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-10" id="s2id_autogen10_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-10"> </ul>
</div>
</div><select id="scen_2" class="scenario select2-offscreen" tabindex="-1" title="Scenario:">
<option value="0">1 (5.00% down)</option>
<option value="1">2 (10.00% down)</option>
<option value="2">3 (15.00% down)</option>
<option value="3">4 (20.00% down)</option>
</select>
</span>
</div>
</div>
<ul class="ledger-items">
<li>
<div class="ledger-item ledger-mtg-payment">
<span class="item-name">Mortgage payment</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li class="ledger-prop-tax">
<div class="ledger-item">
<span class="item-name">Property Tax</span>
<span class="ledger-values">
<input class="item-val first input-number" value="$-" pattern="[0-9]*">
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-debt">
<span class="item-name">Monthly Debt Payments</span>
<span class="ledger-values">
<input class="item-val first input-number" value="$0" pattern="[0-9]*">
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-utils">
<span class="item-name">Utilities</span>
<span class="ledger-values">
<input class="item-val first input-number" value="$-" pattern="[0-9]*">
</span>
<span class="ledger-line"></span>
</div>
</li>
<li class="ledger-condo">
<div class="ledger-item">
<span class="item-name">Condo Fees</span>
<span class="ledger-values">
<input class="item-val first input-number" value="$300" pattern="[0-9]*">
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-prop-ins">
<span class="item-name">Property insurance</span>
<span class="ledger-values">
<input class="item-val first input-number" value="$50" pattern="[0-9]*">
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-phone">
<span class="item-name">Phone</span>
<span class="ledger-values">
<input class="item-val first input-number" value="$40" pattern="[0-9]*">
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-cable">
<span class="item-name">Cable</span>
<span class="ledger-values">
<input class="item-val first input-number" value="$60" pattern="[0-9]*">
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item ledger-internet">
<span class="item-name">Internet</span>
<span class="ledger-values">
<input class="item-val first input-number" value="$45" pattern="[0-9]*">
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item highlight ledger-expenses">
<span class="item-name">Total</span>
<span class="ledger-values">
<span class="item-val first input-number">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
</ul>
</div>
</div>
<div class="content-page rate-risk">
<h3 class="section-header">
<a href="#">
<span class="section-title">Interest Rate Risk</span><span class="expand-section"></span><div class="section-desc">What would my payment be at higher interest rates?</div>
</a>
</h3>
<div class="section-content" style="display: none;">
<p>When determining the size of home you can afford, it's important to look at the long term horizon. The mortgage rate you pay today could be substantially different from the mortgage rates available when the time comes to renew your
mortgage.</p>
<p>The calculation below shows how much of your mortgage principal will be left at the end of the term.</p>
<div class="ledger-header">
<h4>Mortgage Amount</h4>
<div class="ledger-values">
<label for="scen_3">Scenario:</label>
<span class="rh-select">
<div class="select2-container scenario" id="s2id_scen_3" style="width: 160px;">
<a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-11">1 (5.00% down)</span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label
for="s2id_autogen11" class="select2-offscreen">Scenario:</label><input class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-11" id="s2id_autogen11">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen11_search" class="select2-offscreen">Scenario:</label> <input type="text" autocomplete="off" autocorrect="off" autocapitalize="off"
spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-11" id="s2id_autogen11_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-11"> </ul>
</div>
</div><select id="scen_3" class="scenario select2-offscreen" tabindex="-1" title="Scenario:">
<option value="0">1 (5.00% down)</option>
<option value="1">2 (10.00% down)</option>
<option value="2">3 (15.00% down)</option>
<option value="3">4 (20.00% down)</option>
</select>
</span>
</div>
</div>
<ul class="ledger-items">
<li>
<div class="ledger-item ledger-mtg-today">
<span class="item-name">Mortgage amount today</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item indent ledger-mtg-paid">
<span class="item-name">Less: Principal paid off over term</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
<li>
<div class="ledger-item highlight ledger-mtg-eot">
<span class="item-name">Mortgage remaining at end of term:</span>
<span class="ledger-values">
<span class="item-val first">$-</span>
</span>
<span class="ledger-line"></span>
</div>
</li>
</ul>
<div class="interest-rate-examples">
<p class="first">Using this amount, below we calculate the corresponding mortgage payments at a variety of interest rates:</p>
<table>
<thead>
<tr>
<th colspan="2">Purchase interest rate</th>
<th class="payment">Payment<br><span class="sub-head">Selected Scenario</span></th>
</tr>
</thead>
<tbody>
<tr>
<td>Selected Rate</td>
<td class="rate-value"></td>
<td class="payment first">$-</td>
</tr>
<tr>
<td>Average 5-year Fixed Rates (2000 - 2010)</td>
<td class="rate-value">3.89%</td>
<td class="payment first">$-</td>
</tr>
<tr>
<td>Average 5-year Fixed Rates (1990 - 2000)</td>
<td class="rate-value">7.23%</td>
<td class="payment first">$-</td>
</tr>
<tr>
<td>Average 5-year Fixed Rates (1980 - 1990)</td>
<td class="rate-value">11.92%</td>
<td class="payment first">$-</td>
</tr>
</tbody>
</table>
</div>
<p>Below is a graph that displays the approximate values of competitive 5-year fixed mortgage rates since 2006.</p>
<div class="chart-wrapper chart-center">
<h2>5-year Fixed Mortgage Rates </h2>
<div id="Chart_DgHaI" class="rh-chart"></div>
</div>
</div>
</div>
<div class="content-page amortization">
<h3 class="section-header">
<a href="#">
<span class="section-title">Amortization Schedule</span><span class="expand-section"></span><div class="section-desc">What do my payments look like over time?</div>
</a>
</h3>
<div class="section-content" style="display: none;">
<div class="ledger-values">
<label for="scen_4">Scenario:</label>
<span class="rh-select">
<div class="select2-container scenario" id="s2id_scen_4" style="width: 160px;">
<a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-12">1 (5.00% down)</span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label
for="s2id_autogen12" class="select2-offscreen">Scenario:</label><input class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-12" id="s2id_autogen12">
<div class="select2-drop select2-display-none">
<div class="select2-search select2-search-hidden select2-offscreen"> <label for="s2id_autogen12_search" class="select2-offscreen">Scenario:</label> <input type="text" autocomplete="off" autocorrect="off" autocapitalize="off"
spellcheck="false" class="select2-input" role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-12" id="s2id_autogen12_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-12"> </ul>
</div>
</div><select id="scen_4" class="scenario select2-offscreen" tabindex="-1" title="Scenario:">
<option value="0">1 (5.00% down)</option>
<option value="1">2 (10.00% down)</option>
<option value="2">3 (15.00% down)</option>
<option value="3">4 (20.00% down)</option>
</select>
</span>
</div>
<div id="extension-amort">
<div id="extension-amort_chart" style="overflow:hidden;"></div>
<table class="amort-sched">
<thead>
<tr>
<th class="year">Year</th>
<th>Total Paid</th>
<th>Principal Paid</th>
<th>Interest Paid</th>
<th>Balance</th>
</tr>
</thead>
<tbody></tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</form>Name: rs-filter —
<form name="rs-filter" class="ng-pristine ng-valid">
<div class="row">
<label for="rs-type">Type:</label>
<select id="rs-type" name="t">
<option value="1" selected="selected"> Fixed Rates</option>
<option value="2"> Variable Rates</option>
</select>
</div>
<div class="row">
<label for="rs-term">Term:</label>
<select id="rs-term" name="y">
<option value="1">1 year</option>
<option value="2">2 years</option>
<option value="3">3 years</option>
<option value="4">4 years</option>
<option value="5" selected="selected">5 years</option>
<option value="6">6 years</option>
<option value="7">7 years</option>
<option value="8">8 years</option>
<option value="9">9 years</option>
<option value="10">10 years</option>
</select>
</div>
<div class="row">
<label for="rs-location">Location:</label>
<span class="rh-select">
<span class="rh-city-selector">
<div class="select2-container" id="s2id_rs-location">
<a href="javascript:void(0)" class="select2-choice" tabindex="-1"> <span class="select2-chosen" id="select2-chosen-2"><span>Brampton, ON</span></span><abbr class="select2-search-choice-close"></abbr> <span class="select2-arrow" role="presentation"><b role="presentation"></b></span></a><label
for="s2id_autogen2" class="select2-offscreen">Location:</label><input class="select2-focusser select2-offscreen" type="text" aria-haspopup="true" role="button" aria-labelledby="select2-chosen-2" id="s2id_autogen2">
<div class="select2-drop select2-display-none select2-with-searchbox">
<div class="select2-search"> <label for="s2id_autogen2_search" class="select2-offscreen">Location:</label> <input type="text" autocomplete="off" autocorrect="off" autocapitalize="off" spellcheck="false" class="select2-input"
role="combobox" aria-expanded="true" aria-autocomplete="list" aria-owns="select2-results-2" id="s2id_autogen2_search" placeholder=""> </div>
<ul class="select2-results" role="listbox" id="select2-results-2"> </ul>
</div>
</div><input id="rs-location" name="location" required="" class="rh-city-select select2-offscreen" data-placeholder="Please select" tabindex="-1" title="Location:">
</span>
</span>
</div>
</form>Text Content
WELCOME TO 33 RIVERBANK ROAD BRAMPTON -------------------------------------------------------------------------------- Loading tour... 33 Riverbank Road Brampton * Video * 3D Tour * Floor Plan * Local amenities * Walkscore * Schools * Commute * Slideshow * Gallery * Mortgage * Share Book a showing I'd like to schedule a showing with Ben Name Email Tel Preferred date/time Ben Hannah Sales Representative * 647-746-0817 * benhannah@royallepage.ca Welcome to 33 Riverbank Road Brampton presented by Scroll down to discover more VIDEO TOUR FLOOR PLAN LOCAL AMENITIES WALKSCORE SCHOOLS +− Leaflet Back Great LakesBrampton, ON L6R2R8905-793-8532Website 0.54Km 8 min 1 min Rating: 7.3 out of 10 St Isaac JoguesBrampton, ON L6R2W7905-799-2558Website 0.56Km 8 min 1 min Rating: 6.5 out of 10 St Marguerite BourgeoysBrampton, ON L6S4J8905-454-3979Website 0.98Km 15 min 2 min Rating: 5.8 out of 10 Harold M. BrathwaiteBrampton, ON L6R2Z4905-793-2155Website 1.02Km 15 min 2 min Rating: 7.4 out of 10 Our Lady of ProvidenceBrampton, ON L6R1B9905-458-7080Website 1.1Km 17 min 2 min Rating: 6.7 out of 10 St AnthonyBrampton, ON L6S3L5905-792-2282Website 1.64Km 25 min 3 min Rating: 4.4 out of 10 North ParkBrampton, ON L6S3M1905-456-1906Website 1.79Km 27 min 4 min Rating: 7.8 out of 10 St AgnesBrampton, ON L6Z4G6905-840-5020Website 1.87Km 28 min 4 min Rating: 6.7 out of 10 Notre DameBrampton, ON L6Z4L5905-840-2802Website 2.15Km 32 min 4 min Rating: 7.0 out of 10 St JoachimBrampton, ON L6V3V9905-453-4472Website 2.24Km 34 min 4 min Rating: 5.9 out of 10 St John BoscoBrampton, ON L6S4E1905-792-0890Website 2.33Km 35 min 5 min Rating: 3.8 out of 10 Father Michael McGivneyBrampton, ON L5R2P7905-792-0630Website 2.34Km 35 min 5 min Rating: 6.6 out of 10 Judith NymanBrampton, ON L6S3J8905-791-6770Website 2.51Km 38 min 5 min Rating: 0.0 out of 10 St LeonardBrampton, ON L6Z2Z7905-846-2086Website 2.66Km 40 min 5 min Rating: 5.2 out of 10 Ross DriveBrampton, ON L6R3S7 2.7Km 40 min 5 min Rating: 7.3 out of 10 ChinguacousyBrampton, ON L6S1V3905-791-2400Website 2.73Km 41 min 5 min Rating: 7.4 out of 10 Heart LakeBrampton, ON L6Z3M1905-840-2328Website 2.77Km 42 min 6 min Rating: 4.8 out of 10 Guru Tegh BahadurBrampton, ON L6Z 1Y4905-840-4500Website 2.77Km 42 min 6 min Rating: 9.5 out of 10 Louise ArbourBrampton, ON L6R0R4Website 2.83Km 42 min 6 min Rating: 6.4 out of 10 St Marguerite d'YouvilleBrampton, ON L6R2W5905-789-5560Website 2.84Km 43 min 6 min Rating: 6.6 out of 10 Good ShepherdBrampton, ON L6R2H9905-791-1039Website 2.84Km 43 min 6 min Rating: 5.5 out of 10 Lester B PearsonBrampton, ON L6S2G1905-793-4861Website 2.87Km 43 min 6 min Rating: 6.1 out of 10 St Jean BrebeufBrampton, ON L6S1L8905-791-8529Website 2.91Km 44 min 6 min Rating: 6.7 out of 10 Carrefour des JeunesBrampton, ON L6V4N4905-455-7038Website 2.99Km 45 min 6 min Rating: 7.3 out of 10 Sacred HeartBrampton, ON L6Z1Y1905-846-0802Website 3Km 45 min 6 min Rating: 6.9 out of 10 Countryside VillageBrampton, ON L6R3V8905-796-4467Website 3.19Km 48 min 6 min Rating: 5.9 out of 10 Sainte-Jeanne-d'ArcBrampton, ON L6S4C4905-453-8561Website 3.27Km 49 min 7 min Rating: 7.0 out of 10 Father C W SullivanBrampton, ON L6V2C1905-453-5020Website 3.32Km 50 min 7 min Rating: 5.8 out of 10 Holy Name of MaryBrampton, ON L6S3J7905-458-5541Website 3.61Km 54 min 7 min Rating: 7.8 out of 10 St CeciliaBrampton, ON L6V4L5905-459-0575Website 3.61Km 54 min 7 min Rating: 5.7 out of 10 Sandalwood HeightsBrampton, ON L6R0K7905-494-0023Website 3.8Km 57 min 8 min Rating: 5.5 out of 10 St AnneBrampton, ON L6V1M5905-459-7621Website 3.82Km 57 min 8 min Rating: 4.3 out of 10 St Thomas AquinasBrampton, ON L6S6A2905-791-1195Website 3.98Km 60 min 8 min Rating: 6.4 out of 10 Robert J LeeBrampton, ON L6R1J1905-792-2195Website 4.05Km 61 min 8 min Rating: 6.5 out of 10 Central PeelBrampton, ON L6V1X4905-451-0432Website 4.05Km 61 min 8 min Rating: 6.1 out of 10 Georges VanierBrampton, ON L6T3H9905-792-2251Website 4.17Km 63 min 8 min Rating: 5.7 out of 10 Father Clair TippingBrampton, ON L6R1J3905-789-1741Website 4.23Km 63 min 8 min Rating: 6.8 out of 10 St StephenBrampton, ON L6Z4N8905-840-3921Website 4.34Km 65 min 9 min Rating: 6.2 out of 10 Al-AmeenBrampton, ON L6X3P1905-866-6555 4.39Km 66 min 9 min Rating: 9.5 out of 10 Mountain AshBrampton, ON L6R3G2905-793-7595Website 4.57Km 68 min 9 min Rating: 6.9 out of 10 AlloaCaledon, ON L7C0Y7905-843-2332Website 4.6Km 69 min 9 min Rating: 5.8 out of 10 MayfieldCaledon, ON L7C0Z5905-846-6060Website 4.61Km 69 min 9 min Rating: 6.9 out of 10 Eagle PlainsBrampton, ON L6R2X8905-793-4969Website 4.71Km 71 min 9 min Rating: 5.8 out of 10 ShawBrampton, ON L6R3K2905-790-6095Website 4.71Km 71 min 9 min Rating: 6.7 out of 10 St Maria GorettiBrampton, ON L6X4K9905-454-4458Website 4.75Km 71 min 10 min Rating: 6.5 out of 10 St John FisherBrampton, ON L6T1V6905-793-8900Website 4.83Km 72 min 10 min Rating: 5.3 out of 10 BramaleaBrampton, ON L6T1W4905-793-2400Website 4.87Km 73 min 10 min Rating: 4.9 out of 10 Saint-Jean-BoscoCaledon, ON L7C4C3 4.93Km 74 min 10 min Rating: 6.7 out of 10 James GrieveCaledon, ON L7C2P9905-843-2927Website 5.1Km 77 min 10 min Rating: 7.7 out of 10 St Josephine BakhitaBrampton, ON L7A0J2905-846-0078Website 5.11Km 77 min 10 min Rating: 6.7 out of 10 COMMUTE +− Leaflet Drive Walk Less than 15 min Less than 30 min Less than 40 min Less than 60 min 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41. 42. 43. 44. 45. 46. 47. 48. 49. 50. 51. 52. 53. 54. 55. 56. 57. 58. PHOTO GALLERY MORTGAGE CALCULATOR PURCHASE ASKING PRICE Asking Price Go STEP 1 Enter the price of the home you're interested in and press GO. Enter the amount of the mortgage you wish to renew or refinance and press GO. Down payment Down payment The amount of money you pay up front to obtain a mortgage. The minimum down payment in Canada is 5%. For down payments of less than 20%, home buyers are required to purchase mortgage default insurance, commonly referred to as CMHC insurance. Down payment 1 (%) Down payment 2 (%) Down payment 3 (%) Down payment 4 (%) minus Down payment 1 ($) Down payment 2 ($) Down payment 3 ($) Down payment 4 ($) Mortgage insurance Mortgage insurance Mortgage default insurance, commonly referred to as CMHC insurance, protects the lender in the case the borrower defaults on the mortgage. Mortgage default insurance is required on all mortgages with down payments of less than 20%, which are known as high ratio mortgages. Mortgage default insurance is calculated as a percentage applied to your mortgage amount. plus Total Mortgage Required equals $- $- $- $- Amortization period Amortization period The length of time it will take a homeowner to pay off his/her mortgage. In Canada, the maximum amortization period for insurable mortgages is 25 years. Longer amortization periods allow homeowners to make smaller monthly payments, but equate to more interest paid over the life of the mortgage. STEP 2 Choose an amortization period. Amortization period 1 Select Amortization period 1 Amortization period 1 Select 5 years 10 years 15 years 20 years 25 years 30 years Other Amortization period 2 Select Amortization period 2 Amortization period 2 Select 5 years 10 years 15 years 20 years 25 years 30 years Other Amortization period 3 Select Amortization period 3 Amortization period 3 Select 5 years 10 years 15 years 20 years 25 years 30 years Other Amortization period 4 Select Amortization period 4 Amortization period 4 Select 5 years 10 years 15 years 20 years 25 years 30 years Other Mortgage rate Mortgage rate The rate of interest you will pay on the outstanding balance of your mortgage. This is determined by the mortgage type and mortgage provider. To see how rates vary by type and provider, click on "Select Rate" link on the right. STEP 3 Enter a mortgage rate to calculate the corresponding payment. TOTAL MORTGAGE PAYMENT $- $- $- $- Frequency Monthly Frequency Frequency Monthly Bi-weekly Accelerated Bi-weekly Mortgage payment The monthly mortgage payment is calculated based on the inputs you provided: the mortgage amount, rate type (fixed or variable), term, amortization period, and payment frequency. A general affordability rule, as outlined by the Canada Mortgage and Housing Corporation, is that your monthly housing costs should not exceed 32% of your gross household monthly income. Land Transfer Tax: $- STEP 4 If necessary, update your profile to calculate land transfer tax. Profile Location: Brampton, ON Location: Location: I am a first-time home buyer I am buying a newly built home Provincial: Provincial Land transfer tax (LTT), typically calculated as a percentage of the purchase price of a home, is required when purchasing a home in Canada. All provinces have a LTT, and the amount varies in each province. plus Municipal: Municipal Some municipalities, like Toronto, levy an additional LTT, which is similarly calculated as a percentage of the purchase price of a home. plus Rebate: Rebate If you are a first-time home buyer in British Columbia or Ontario, you will be eligible for LTT rebates, equal to the value of the LTT up to a maximum amount set by the province. minus Land Transfer Tax $- Provincial: Provincial Land transfer tax (LTT), typically calculated as a percentage of the purchase price of a home, is required when purchasing a home in Canada. All provinces have a LTT, and the amount varies in each province. plus Municipal: Municipal Some municipalities, like Toronto, levy an additional LTT, which is similarly calculated as a percentage of the purchase price of a home. plus Rebate: Rebate If you are a first-time home buyer in British Columbia or Ontario, you will be eligible for LTT rebates, equal to the value of the LTT up to a maximum amount set by the province. minus *You will be required to pay a title transfer fee. STEP 4 If necessary, update your profile to calculate land transfer tax. Profile Location I am a first-time home buyer I am buying a newly built home Explore the drop-downs to better understand your mortgage choice. CASH NEEDED HOW MUCH EXTRA CASH WILL I NEED WHEN MY HOUSE CLOSES? When you purchase a house, there are a number of costs you'll need to put cash aside for in addition to your down payment. These costs depend on a number of factors including things like what kind of home you are buying (i.e. house vs. condo) and where the home is located. Our tool will help you calculate these costs, so you know how much you'll need to save. Type of home: House Type of home: Type of home: House Condominium REQUIRED CASH EXPENDITURES Scenario: 1 (5.00% down) Scenario: Scenario: 1 (5.00% down) 2 (10.00% down) 3 (15.00% down) 4 (20.00% down) * Down payment $- * PST on mortgage insurance $- * Land Transfer Tax $- * Lawyer fees $- * Title insurance $- * Estoppel certificate fee $- * Total Cash Required $- OTHER CASH CONSIDERATIONS * Home inspection fees $300 - $500 * Appraisal fees $300 MONTHLY EXPENSES CAN I AFFORD MY MONTHLY EXPENSES & MORTGAGE PAYMENTS? EXPENSES Scenario: 1 (5.00% down) Scenario: Scenario: 1 (5.00% down) 2 (10.00% down) 3 (15.00% down) 4 (20.00% down) * Mortgage payment $- * Property Tax * Monthly Debt Payments * Utilities * Condo Fees * Property insurance * Phone * Cable * Internet * Total $- INTEREST RATE RISK WHAT WOULD MY PAYMENT BE AT HIGHER INTEREST RATES? When determining the size of home you can afford, it's important to look at the long term horizon. The mortgage rate you pay today could be substantially different from the mortgage rates available when the time comes to renew your mortgage. The calculation below shows how much of your mortgage principal will be left at the end of the term. MORTGAGE AMOUNT Scenario: 1 (5.00% down) Scenario: Scenario: 1 (5.00% down) 2 (10.00% down) 3 (15.00% down) 4 (20.00% down) * Mortgage amount today $- * Less: Principal paid off over term $- * Mortgage remaining at end of term: $- Using this amount, below we calculate the corresponding mortgage payments at a variety of interest rates: Purchase interest rate Payment Selected Scenario Selected Rate $- Average 5-year Fixed Rates (2000 - 2010) 3.89% $- Average 5-year Fixed Rates (1990 - 2000) 7.23% $- Average 5-year Fixed Rates (1980 - 1990) 11.92% $- Below is a graph that displays the approximate values of competitive 5-year fixed mortgage rates since 2006. 5-YEAR FIXED MORTGAGE RATES AMORTIZATION SCHEDULE WHAT DO MY PAYMENTS LOOK LIKE OVER TIME? Scenario: 1 (5.00% down) Scenario: Scenario: 1 (5.00% down) 2 (10.00% down) 3 (15.00% down) 4 (20.00% down) Year Total Paid Principal Paid Interest Paid Balance SELECT RATE Type: Fixed Rates Variable Rates Term: 1 year2 years3 years4 years5 years6 years7 years8 years9 years10 years Location: Brampton, ON Location: Location: Provider Rate Select Loading... Custom rate Select This calculator is for demonstration purposes only. We do not guarantee that all calculations are accurate. Always consult a professional financial advisor before making personal financial decisions. 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