Home Buyer's Resources for Okanagan Home Buyers

Buying a home is a big decision - one that we would love to help you with! The articles and resources on this page are complimentary and part of the many services we offer. You will find a list of downloadable resources on the right-hand side menu.
 
Please do not hesitate to contact our team if you have any questions about buying a home in the Central Okanagan or elsewhere in British Columbia.
 
 
 
 

 

Downloadable Home Buyer Information

Our team has taken our years of experience to make sure that we give you all of the information you need to make an informed decision when buying a home. Whether this is your first home or one of many, we will be there to guide you along the way. We've compiled some quick tips you need to know and questions to ask when you're buying a home. Fill out the form below to get access to these Free Home Buyer Resources.

 

 

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Home Buyer's Listing Search

 

To search for homes that match your specific criteria, please fill out the form below. You will also be notified by email of any new homes that are added.

 


Step 1 - Enter Personal Information
Step 2 - Enter Search Details
 
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Status: 

Types: 
Locations:   
Wish List: 
* * Maximum of 2000 characters


 

 

 


 
 
 
 
 

Home Mortgage Calculator

 

The way you approach mortgage shopping can literally save thousands of dollars. Take time to understand the system and make educated decisions. Doing so may very well cost you less over a shorter period of time.

 

If we can explain any steps along the way, please do not hesitate to contact us. We are always happy to help.

 

 

Required Fields
   
    %
$
$  
$  
Estimate Insurance to of Cost
$  
Estimate Tax to of Cost
$
$
Optional Fields
   
   
$
Results
Receive Detailed Analysis  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:  %

 

 

 


 

 

See What Our Clients  Have to Say

 

 

 

    

   

  

After twenty years in one house, it was a big decision to downsize to a gated community. With [The Carmichaels & Associates] patience and help we made it. We would recommend [them] to anyone wanting to move!

 

      
   

  - Dave & Audrey, Okanagan