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VALUABLE MORTGAGE ADVICE, TIPS AND ANSWERS

FIRST TIME HOMEBUYING MISTAKES AND HOW TO AVOID THEM

WHY CHOOSE A LONGER OR SHORTER AMMORTIZATION?

FIXED OR VARIABLE RATE - KNOW YOUR OPTIONS

CONSIDER THE SECURITY OF A FIXED RATE MORTGAGE

THE ADVANTAGES OF A VARIABLE RATE MORTGAGE

CRAIG ALLONBY / RBC CANADA / MOBILE MORTGAGE SPECIALIST

	Craig Allonby Mobile Mortgage Specialist RBC Royal Bank
	Languages Spoken :	English

	Phone:	(403) 863-7886

Your new home doesn't come with mortgage advice. I do.

When it comes to your mortgage, it is important to make sure you get the home you really want, with flexible financing solutions that are right for you.

This is where I come in. I’m here to help you get the mortgage you need to suit your lifestyle and to make your home ownership goals happen.

Supported by the considerable resources and expertise of RBC Royal Bank^®, I will provide you expert advice and service for your home financing needs. I can help you understand the economic environment and ensure your financing suits your current situation and your future plans. You’ll enjoy the confidence of knowing you are working with a professional who has only your best interests in mind.

If you are looking to make informed mortgage decisions, contact me today and I will be in touch with you within 24 hours.

Calculators

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 (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.

Required

Required Must be a number between 1 and 50
Term In Years:
Required Must be a number between 1 and 100
Interest Rate:	%
Required
Cost of Home:	$
Required Cannot be more than Cost of Home
Down Payment:	$
Required
Annual Insurance:	$
Estimate Insurance to 0.43%of Cost
Required
Annual Property Tax:	$
Estimate Tax to 1.2%of Cost
Monthly Income:	$ Required
Monthly Debt:	$ Required

Optional

Gross Debt Service Ratio (GDS):
Total Debt Service Ratio (TDS):
Condos Fees:	$

Results

Receive this Detailed Analysis

Mortgage
Qualification
Affordability
Rent vs Buy

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:

Note: Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] / (monthly interest rate/ function of interest rate)

Monthly Rent:	$ RequiredMust be a positive number	No. of Years you plan on keeping the home:	RequiredInvalid
Annual Rental Increases:	% RequiredInvalid	Yearly Appreciation on the Home:	% RequiredInvalid
Monthly Renter Insurance:	$ RequiredInvalid	Annual Home Maintenance:	% RequiredInvalid
Savings or Investment Rate:	% RequiredInvalid

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VALUABLE MORTGAGE ADVICE, TIPS AND ANSWERS

CRAIG ALLONBY / RBC CANADA / MOBILE MORTGAGE SPECIALIST

Calculators