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Victoria BC Residential and Commercial Real Estate
Fred Carver Personal Real Estate Corporation 4440 Chatterton Way Victoria, BC V8X 5J2
Fax: 250-744-3904
Toll-Free: 1-800-663-2121
Work Phone: 250-413-7042

Victoria BC TD Canada Trust-Mortage Calculators

Victoria BC-TD Canada Trust- Mobile Mortgage Specialists

Jill Moores

 TD Canada Trust Mortgage Specialists

Victoria BC Real Estate TD Mortgage Specialist Jill Moores

Your TD Canada Trust Mobile Mortgage Specialist in Victoria, BC.

Victoria BC Real Estate Call Jill Moores at TD Canada Trust in Victoria Bc today and to get Pre-Approved for your Low Interest home Mortgage

Always Available 250-213-1987

Email Jill Moores jill.moores@td.com

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 a home in Victoria.

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. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.

Call Jill if you have any questions about todays Mortgage Options

Victoria BC Real Estate

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:  %

Let Me Help You Save $$$ With Your Mortgage

Let me help you save!

Reviewing your overall financial situation from time to time is a great way to identify cost saving opportunities. Consolidating debts and exploring potential low-interest rate options may help you reduce interest expenses while increasing your monthly cash flow.
The example below demonstrates how one family with a mortgage, line of credit and credit card payments exceeding $2800 per month was able to reduce their annual interest expenses by $11,199 and managing to save over $1500 per month in debt re-payments.
By consolidating all of their financial debts and using the benefits of a home equity line of credit, the family now has the ability to better manage their monthly expenses.
   Mortgage Interest Savings Jill Moores TD Canada Trust Victoria BC
With this recommendation, you may save                 $ 11,199.30 a year in interest costs.
More importantly, you can save approximately        $ 1,588.18 per month in credit payments.


Why get pre-approved for a home mortgage?

Mortgage pre-approval should be your first step when you’re seriously looking to Buy a home in Victoria B.C.

In order to make an informed and confident decision, you need accurate and timely information.  My aim is always to provide the tools and reference information, so you have a clear picture of the mortgage and home purchasing process.    Keep in mind, it is vital to review your personal financial situation with a professional Mortgage Specialist who can put in plain words the best way to approach your mortgage needs.
Why get pre-approved for a mortgage?
House hunting in Victoria BC just got easier…                                     
  • You will know your monthly payment amounts, as well as the size of the down payment required.
  • Realtors will likely request a pre-approval prior to showing you any homes.
  • You will be able to stay within budget and not be steered off track.  Your real estate agent will show homes you can afford – saving time and hassle.
  • When you make an offer to purchase, your realtor will present the offer and indicate to the seller that you have solid financial backing.  The seller knows you are serious, putting you in a stronger negotiating position compared to another buyer without a pre-approval.
  • 90-120 days Rate Holds – A pre-approval will “lock” you into an interest rate, protecting you from any increases for the next 90-120 days.  If rates go down, I’ll secure the lower rate, but if rates go up the lower rate holds as long as funding occurs within the 120 days.
  • Mortgage Pre-approvals are for your benefit with no cost to you.  Also you are not obligated to accept the pre-approved mortgage if you should change your mind.
What takes place during the Pre-Approval Process?
  • As your Victoria TD Mortgage Specialist I will take your information in the form of an application. You will provide financial and employment details such as proof of income, assets & liabilities, down payment, etc.
  • By signing the application form you are giving authorization to release and review information on your credit bureau file.
  • As your Victoria Mortgage Specialist I will discuss your financial strategy and mortgage details.  I will provide personalized mortgage handouts allowing you to easily review the details later. 
  • In our meeting, you will learn about the various mortgage products and options available (fixed vs. variable rate, open or closed, interest terms, payment options, amortization, etc.) We will determine which of these options best suit your current financial situation.
  • I will advise you what fundamental documentation is required for your approval.  Documentation is ideally provided early to help the process go smoothly and complete on time.  Note: All conditions must be met in order for your mortgage to be fully approved.
For your Mortgage Pre-Approval or more information please contact Jill Moores TD Mortgage Specialist.
Providing mortgage solutions you can live with!
Your Victoria TD Mobile Mortgage Specialist
TD Canada Trust
Always available at 250-213-1987