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   Lake Cowichan
 81 Cowichan Lake Rd 
(250) 749-6000

Sandy Stinson

Pat Duringer

Elaine McGinn

Brad Bergen
(250) 701-1502(Cell)

             Remax Western



  Sandy Stinson 










Contact us Today!!

Sandy Stinson Broker/Owner

(250) 749-6000

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Lake Cowichan Mortgage Broker


Let us help you find out what you can afford!

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

Complete the fields below and click Calculate Now.
To view the different results of your calculation,
click on the various tabs.

To mail yourself a copy of your 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:  $
  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:  %
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