Real Estate Brokers, Cardi, Auerbach & Associates, Greater Montreal, West Island, Montérégie, Laurentides, Centre-ville, Experienced Real Estate Agents, Full Signature Service, Realtors, Buy property, sell property, advice, negotiation, purchase protection, free appraisal, property evaluations for re-financing, Residential and Commercial Real Estate, Signature Knowledge, Experience & Maximum results!
Direct: 514-898-4663

The Budget Calculator

Allow Munroe & Lisa to help you find out what you can afford.  The mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be making a Real Estate investment now.  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....(all results confidential).

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:  $
  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:  %



  • Buyers of property in Quebec are required to hire a Notary to publish the sale. Presently, costs to publish a property transfer/registration with a Notary range from $1000.000 to $1500.00 depending on the services required.
  • Better get a building inspection!!! Prices range from $450.00 to $800.00 depending on the expertise of the various companies. Revenue properties may require a bank appraisal (if a mortgage is involved), these range in cost from $250.00 and more.
  • WELCOME TAX - Charged by our esteemed municipality to contribute to the various services located in your community... calculated at approximately 1% of gross purchase price, payable to the tax man 30 to 60 days after you sign at the Notary.
  • Our advice for Buyers is complimentary, all we asked is your commitment. Call for more details....Lisa 514-898-4663 or Munroe 514-754-6078.