John Pearce

620 Heritage Lane Saskatoon, SK S7H 5P5
Phone: (306) 880-0946 Mobile: (306) 880-0946 Email John

Call me anytime for quick info on the Saskatoon Real Estate Market

Call me at (306) 880-0946

In today's challenging Real Estate market, your choice of Real Estate Professional does matter! For a greater probability of success you need a dedicated professional, one who can guide you through the process and be counted on to protect your investment! Get to know me, a knowledgeable, results-oriented professional.

Whether you are purchasing, selling or wish to investigate the possibilities, I care about your needs and will take the time to provide personal attention and 100% client satisfaction.

I promise to provide the most professional, ethical and informed real estate services in the Industry. My most important assets are honesty and integrity, whereby my clients become my friends. It would be my pleasure to serve you!

johnpearce@shaw.ca

 


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Our calculators will help you determine loan amounts, mortgage qualification, affordability or whether you should be renting or buying.

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs.  To email yourself a copy of the 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 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
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:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %