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
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)
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:  %



See What Our Clients  Have to Say







We met James several years ago when we purchased our home in Kelowna. We interviewed other realtors before selling our home in Spring, 2022. James and Michelle offered by far the best service and personal attention to our needs. They were extremely knowledge about contracts, pricing, staging, negotiating, and were always available when we needed to talk to them. They handled all of the details of the listing and sales themselves and did not delegate to an unseen and unknown "team" of associates. We couldn't be happier with the outcome. Our home sold far more quickly than we expected.



  - C & J, Kelowna