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stylemax-width:100%;>section idcontent classfull-width> div idpost-73 classpost-73 page type-page status-publish hentry> span classentry-title rich-snippet-hidden>Mortgage Affordability Calculator – WhatCanIAfford.ca/span>span classvcard rich-snippet-hidden>span classfn>a hrefhttps://whatcaniafford.ca/author/admin/ titlePosts by admin relauthor>admin/a>/span>/span>span classupdated rich-snippet-hidden>2023-04-23T00:43:10-04:00/span> div classpost-content> div classfusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns stylebackground-color: #242424;background-image: url("/wp-content/uploads/2019/08/WhatCanIAfford-Header-1-600x379.jpg");background-position: center center;background-repeat: no-repeat;padding-top:20px;padding-right:30px;padding-bottom:15px;padding-left:30px;margin-bottom: 0px;margin-top: 0px;border-width: 0px 0px 0px 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classfusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last stylemargin-top:0px;margin-bottom:0px;>div classfusion-column-wrapper fusion-flex-column-wrapper-legacy stylebackground-position:left top;background-blend-mode: overlay;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 15px 0px 0px 0px;>div classfusion-text fusion-text-1>h2 stylemargin-bottom: 5px; data-lineheight46 data-fontsize36>WhatCanIAfford.ca/h2>h1 stylecolor: #ffffff; font-size: 18px; font-weight: normal;>Mortgage Affordability Calculator/h1>/div>div classfusion-clearfix>/div>/div>/div>/div>/div>div classfusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling stylebackground-color: #242424;background-position: center center;background-repeat: 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top;background-blend-mode: overlay;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 30px 0px 0px 0px;>!--script srchttps://ajax.googleapis.com/ajax/libs/jquery/3.4.1/jquery.min.js>/script> -->script languagejavascript> function MM_findObj(n, d) { //v4.0 var p,i,x; if(!d) ddocument; if((pn.indexOf(?))>0&&parent.frames.length) { dparent.framesn.substring(p+1).document; nn.substring(0,p);} if(!(xdn)&&d.all) xd.alln; for (i0;!x&&id.forms.length;i++) xd.formsin; for(i0;!x&&d.layers&&id.layers.length;i++) xMM_findObj(n,d.layersi.document); if(!x && document.getElementById) xdocument.getElementById(n); return x;}function doCalc() {doCalcOnForm(document.formscalculateThis);}function addOptionsForDownPercentages() { var our_io_price Number(filterNum(document.getElementsByName(io_price)0.value)); if(our_io_price 500000){ jQuery(selectnamepercent_down1) .find(option) .remove() .end() .append(option value1 selected>Minimum/option>) !-- .append(option value05>5%/option>) --> .append(option value10>10%/option>) .append(option value15>15%/option>) .append(option value20>20%/option>) .append(option value25>25%/option>) .append(option value30>30%/option) .append(option value35>35%/option>) .append(option value40>40%/option>) .append(option value45>45%/option>) .append(option value50>50%/option>) .append(option value55>55%/option>) .append(option value60>60%/option>) .append(option value65>65%/option>) .append(option value70>70%/option>) .append(option value75>75%/option>) .append(option value80>80%/option>) .append(option value85>85%/option>) .append(option value90>90%/option>) .append(option value95>95%/option>) ; } else if(our_io_price > 500000 && our_io_price 1000000 ) { jQuery(selectnamepercent_down1) .find(option) .remove() .end() .append(option value1 selected>Minimum/option>) .append(option value10>10%/option>) .append(option value15>15%/option>) .append(option value20>20%/option>) .append(option value25>25%/option>) .append(option value30>30%/option) .append(option value35>35%/option>) .append(option value40>40%/option>) .append(option value45>45%/option>) .append(option value50>50%/option>) .append(option value55>55%/option>) .append(option value60>60%/option>) .append(option value65>65%/option>) .append(option value70>70%/option>) .append(option value75>75%/option>) .append(option value80>80%/option>) .append(option value85>85%/option>) .append(option value90>90%/option>) .append(option value95>95%/option>) ; } else { jQuery(selectnamepercent_down1) .find(option) .remove() .end() !-- .append(option value1>Minimum/option>) --> .append(option value20 selected>20%/option>) .append(option value25>25%/option>) .append(option value30>30%/option) .append(option value35>35%/option>) .append(option value40>40%/option>) .append(option value45>45%/option>) .append(option value50>50%/option>) .append(option value55>55%/option>) .append(option value60>60%/option>) .append(option value65>65%/option>) .append(option value70>70%/option>) .append(option value75>75%/option>) .append(option value80>80%/option>) .append(option value85>85%/option>) .append(option value90>90%/option>) .append(option value95>95%/option>) ; }}function clearColumn(form, nColumn) { form(down_payment + nColumn).value ; form(first_mortgage + nColumn).value ; form(cmhc + nColumn).value ; form(total_financing + nColumn).value ; form(monthly_payment + nColumn).value ; form(expenses + nColumn).value ; form(total_payment + nColumn).value ; form(income_required + nColumn).value ;}function clearResults(form) { var nCounter 0; for (nCounter 1; nCounter 3; nCounter++) { clearColumn(form, nCounter); }}function checkForm(form) { var nCounter 0; var sResult 0; var nResult -1; var nIndex 0; for (nCounter 1; nCounter 1; nCounter++) { if ((form(percent_down + nCounter).optionsform(percent_down + nCounter).selectedIndex.value ) || (form(percent_down + nCounter).optionsform(percent_down + nCounter).selectedIndex.value other)) {`` while ((nResult 5) || (nResult > 100)) { sResult prompt(decodeMsg(DOWNPAYMENT_PERCENT), 5); if (sResult null) { alert(DOWNPAYMENT_REQUIRED); sResult 0; } else { if (sResult.indexOf(.) > 0) sResult sResult.substring(0, sResult.indexOf(.) + 3); nResult Number(filterNum(0 + sResult)); if ((nResult 5) || (nResult > 100)) { alert(INVALID_DOWNPAYMENT) } } } if (form(percent_down + nCounter).optionsform(percent_down + nCounter).selectedIndex.value other) { nIndex form(percent_down + nCounter).selectedIndex + 1; } else { nIndex form(percent_down + nCounter).selectedIndex; } form(percent_down + nCounter).optionsnIndex.value nResult; form(percent_down + nCounter).optionsnIndex.text nResult + %; form(percent_down + nCounter).selectedIndex nIndex; } } validateNum(form.io_price,0,1000,9999999,true); validateNum(form.io_interest,3,1,100); validateNum(form.io_heating,0,0,99999,true); validateNum(form.io_taxes,0,0,99999,true); validateNum(form.io_condo,0,0,99999,true); validateNum(form.io_gds,0,1,100); if ((form.io_price.value ! ) && (form.io_interest.value ! ) && (form.io_gds.value ! )) { return true; } else { return false; }}function CMHCRate(PercentDown, Amortization) {var PercentFinanced 0;PercentFinanced Number(100 - Number(PercentDown));var total_rate 0.0;total_rate 0;if (Amortization 40) total_rate .6;else if (Amortization 35) total_rate .4;else if (Amortization 30) total_rate .2; if (PercentFinanced 80) total_rate 0; else if (PercentFinanced 85) total_rate total_rate + 2.80; else if (PercentFinanced 90) total_rate total_rate + 3.1; else if (PercentFinanced 95) total_rate total_rate + 4.0; else if (PercentFinanced 100) total_rate total_rate + 4.0; return total_rate;}function mortgagePayment(nAmount, nRate, nAmort) { var nAmortMonths nAmort * 12; var nPaymentsPer6Months 6; return (nAmount / ( (1 / ( Math.pow((1 + nRate / 200), (1 / nPaymentsPer6Months )) - 1) ) * (1 - Math.pow((1 + nRate / 200), (-nAmortMonths / nPaymentsPer6Months)) ) ) ); }function currencyString(nNumber) { nNumDec 2; if (nNumber > 999999) nNumDec 0; var str + Math.round(nNumber * Math.pow(10,nNumDec)); while (str.length nNumDec) { str 0 + str; } var decpoint str.length - nNumDec; var result commaFmt(str.substring(0,decpoint) + . + str.substring(decpoint,str.length)); if (result.charAt(result.length - 1) .) result result.substring(0, result.length - 1); return result;}function doCalcOnForm(form) { var bCMHCAlert true; var nDownPayment 0; var nFirstMortgage 0; var nCMHCPremium 0; var nTotalFinancing 0; var nPayment 0; var nExpenses 0; var fiftyPercentCondofees 0; var nTotal 0; var nIncome 0; var TDSfactor 0; var updatedPercentage 0; if (checkForm(form)) { var nCounter 0; for (nCounter 1; nCounter 1; nCounter++) { if(Number(form(percent_down + nCounter).optionsform(percent_down + nCounter).selectedIndex.value) 20){ jQuery(selectnameio_amortization) .find(option) .remove() .end() !-- .append(option value10>10 Years/option>) --> !-- .append(option value15>15 Years/option>) --> !-- .append(option value20 >20 Years/option>) --> .append(option value25 selected>25 Years/option) //.append(option value30 >30 Years/option>) ; } else if(Number(form(percent_down + nCounter).optionsform(percent_down + nCounter).selectedIndex.value) > 20){ jQuery(selectnameio_amortization) .find(option) .remove() .end() !-- .append(option value10>10 Years/option>) --> !-- .append(option value15>15 Years/option>) --> !-- .append(option value20>20 Years/option>) --> !-- .append(option value25>25 Years/option) --> .append(option value30 selected>30 Years/option>) ; } if(Number(form(percent_down + nCounter).optionsform(percent_down + nCounter).selectedIndex.value) 1) { if(filterNum(form.io_price.value) 500000){ nDownPayment filterNum(form.io_price.value)*0.05; updatedPercentage nDownPayment * 100 / filterNum(form.io_price.value); } if(filterNum(form.io_price.value) > 500000 && filterNum(form.io_price.value) 1000000){ nDownPayment (500000*0.05) + ((filterNum(form.io_price.value)-500000)*0.10); updatedPercentage nDownPayment * 100 / filterNum(form.io_price.value); } if(filterNum(form.io_price.value) > 1000000){ nDownPayment filterNum(form.io_price.value)*0.20; updatedPercentage nDownPayment * 100 / filterNum(form.io_price.value); } } else { nDownPayment (filterNum(form.io_price.value)) * (Number(form(percent_down + nCounter).optionsform(percent_down + nCounter).selectedIndex.value) / 100); updatedPercentage Number(form(percent_down + nCounter).optionsform(percent_down + nCounter).selectedIndex.value); } form(down_payment + nCounter).value currencyString(nDownPayment); // calculate first mortgage value nFirstMortgage (filterNum(form.io_price.value) - nDownPayment); form(first_mortgage + nCounter).value currencyString(nFirstMortgage); nCMHCPremium (CMHCRate(Number(updatedPercentage), form.io_amortization.optionsform.io_amortization.selectedIndex.value)) * (nFirstMortgage) / 100; form(cmhc + nCounter).value currencyString(nCMHCPremium); nTotalFinancing nFirstMortgage + nCMHCPremium; form(total_financing + nCounter).value currencyString(nTotalFinancing); nPayment mortgagePayment(nTotalFinancing, Number(form.io_interest.value), (Number(form.io_amortization.optionsform.io_amortization.selectedIndex.value)));!-- form(monthly_payment + nCounter).value currencyString(nPayment); --> nPaymentActual mortgagePayment(nTotalFinancing, Number(form.io_actual_interest_rate.value), (Number(form.io_amortization.optionsform.io_amortization.selectedIndex.value))); form(actual_monthly_mortgage).value currencyString(nPaymentActual); nPaymentActualMortgageRate mortgagePayment(nTotalFinancing, Number(form.io_actual_interest_rate.value), (Number(form.io_amortization.optionsform.io_amortization.selectedIndex.value)));!-- form(monthly_payment + nCounter).value currencyString(nPayment); --> nExpenses ( (Number(filterNum(form.io_heating.value)) + Number(filterNum(form.io_taxes.value)) ) /12 + Number(filterNum(form.io_condo.value)) ); form(expenses + nCounter).value currencyString(nExpenses); nTotal nExpenses + nPayment;!-- form(total_payment + nCounter).value currencyString(nTotal); --> nTotalActualMortgageRate nExpenses + nPaymentActualMortgageRate; form(total_payment_actual).value currencyString(nTotalActualMortgageRate); fiftyPercentCondofees (Number(filterNum(form.io_condo.value))/2 ); nIncome (nTotal - fiftyPercentCondofees) * 12 / (Number(form.io_gds.value) / 100); form(income_required + nCounter).value currencyString(nIncome);if (form.io_gds.value>39) { TDSfactor .05; } else { TDSfactor .07; } max_monthly_debt ((nIncome * TDSfactor) / 12); form(debt_obligations).value currencyString(max_monthly_debt); } } else { clearResults(form); }}function formatRealNum(theNum,decplaces) { var str Math.round(parseFloat(filterNum(theNum.value)) * Math.pow(10,decplaces)); str +str; while (str.length decplaces) { str 0 + str; } var decpoint str.length - decplaces; return str.substring(0,decpoint) + . + str.substring(decpoint,str.length);}function formatInteger(theNum) { var str Math.round(parseFloat(filterNum(theNum.value))); str +str; return str;}function formatNum(theNum,decplaces,addcommas) { var str +theNum.value; if ((str ) || (str null)) { theNum.value ; return false; } if (decplaces 0) { var fmtdnum formatInteger(theNum,decplaces); } else { var fmtdnum formatRealNum(theNum,decplaces); } if (addcommas) { fmtdnum commaFmt(fmtdnum); } theNum.value fmtdnum; return true}function popupIsEmpty(theMenuObj) { var theSelection theMenuObj.selectedIndex; if (theSelection 0) { return true; } else { return false; }}function scrub_RollNum(theNum,otherAllowed,minWildcardPosition) { var result ; var allowed ; otherAllowed +; if (otherAllowed undefined) otherAllowed ; allowed 0123456789+ otherAllowed; result scrub_String(theNum,allowed); for(iresult.length-1; i>0; i--) { if(result.charAt(i) ! ,) break; result result.substring(0,i); } if (minWildcardPosition) result parse_Wildcards (result,minWildcardPosition); return result;}function scrub_String(theStr,charsAllowed,charsAllowedOnce) { var result ; var specialCharAt -1; var specialChar ; for(i0;itheStr.length;i++) { theChar theStr.charAt(i); if (charsAllowed.indexOf(theChar) ! -1) result +theChar; else if (charsAllowedOnce){ specialCharAt charsAllowedOnce.indexOf(theChar); if (specialCharAt ! -1) { result + theChar; charsAllowedOnce charsAllowedOnce.substring(0,specialCharAt) + charsAllowedOnce.substring(specialCharAt+1,charsAllowedOnce.length); } } } return result;}function filterNum(theNum) { var minusStr ; var result ; if (theNum.indexOf(-) ! -1) minusStr -; result scrub_String(theNum,0123456789,.) if (result ) return ; else return minusStr + result;}function commaFmt(numEle) { var tempStr +numEle; var charCheck tempStr.indexOf(,); if ((charCheck+0) > 0) { return numEle; } var decStr ; var decInt tempStr.indexOf(.); if (decInt!-1) { decStr tempStr.substring(decInt,tempStr.length); tempStr tempStr.substring(0,decInt); } var isNeg false; if (tempStr.indexOf(-)!-1) { isNegtrue; tempStrtempStr.substring(1,tempStr.length); } if (tempStr.length3) { return numEle; } var newStr ; var jInt 0; for (var iInttempStr.length-1;iInt>0;iInt--) { jInt++; newStr tempStr.charAt(iInt) + newStr; if (jInt%30) { if (iInt-1>0) { newStr ,+newStr; } } } if (decInt!-1) newStr newStr + decStr; if (isNeg) newStr -+newStr; return newStr;}function format_Real(theNum,decplaces) { var str filterNum(theNum); str Math.round(parseFloat(str) * Math.pow(10,decplaces)); str +str; while (str.length decplaces) { str 0 + str; } var decpoint str.length - decplaces; return str.substring(0,decpoint) + . + str.substring(decpoint,str.length);}function format_Integer(theNum) {// FORMAT AN INTEGER var str filterNum(theNum); str Math.round(parseFloat(str)); return +str;}function format_Number(theNum,decplaces,addcommas) { var str +theNum; if ((str ) || (str null)) return ; if (decplaces 0) var fmtdnum format_Integer(str,decplaces); else var fmtdnum format_Real(str,decplaces); if (addcommas) fmtdnum commaFmt(fmtdnum);return fmtdnum;}function validateNum(theNum,decplaces,min,max,addcommas) { var str filterNum(theNum.value); if ((str ) || (str null)) { theNum.value ; return false; } var tmpFloat parseFloat(filterNum(theNum.value)); if (tmpFloat min || tmpFloat > max) { alert(Please enter a number between + min + and + max + .); theNum.value ; theNum.focus(); return false; } if (decplaces 0) { var fmtdnum formatInteger(theNum,decplaces); } else { var fmtdnum formatRealNum(theNum,decplaces); } if (addcommas) { fmtdnum commaFmt(fmtdnum); } theNum.value fmtdnum; return true}function validatePrice(theNum,min,max,addcommas) { var str filterNum(theNum.value); if ((str ) || (str null)) { theNum.value ; return false; } var tmpFloat parseFloat(filterNum(theNum.value)); if (tmpFloat min || tmpFloat > max) { alert(Please enter a number between + min + and + max + .); theNum.value ; theNum.focus(); return false; } if (tmpFloat 100) { decplaces 2; } else { decplaces 0; } if (decplaces 0) { var fmtdnum formatInteger(theNum,decplaces); } else { var fmtdnum formatRealNum(theNum,decplaces); } if (addcommas) { fmtdnum commaFmt(fmtdnum); } theNum.value fmtdnum; return true}function str_Empty (theFormObj){ if (theFormObj.value+ null) return true; else if (theFormObj.value ) return true; return false;}function popup_Empty(theMenuObj) { var theSelection theMenuObj.selectedIndex; if (theSelection -1) return true; else if (theMenuObj.optionstheSelection.value ) return true; else return false;}function field_Empty (theFormObj){ if (!theFormObj) { return false; } var theType theFormObj.type; if (theType.indexOf(select) ! -1) return popup_Empty(theFormObj) else return str_Empty (theFormObj)}function list_Empty(theMenuObj) { var isEmpty true; for(i1;itheMenuObj.length;i++) { if (theMenuObj.optionsi.selected) isEmpty false; } return isEmpty;}function numberRange_OK(fromNumObj,toNumObj){ if (fromNumObj.value || toNumObj.value ) return true; var tmpFromFloat parseFloat(filterNum(fromNumObj.value)); var tmpToFloat parseFloat(filterNum(toNumObj.value)); if (tmpToFloat tmpFromFloat) { alert(toNumObj.name+ is greater than +toNumObj.name+ Please re-enter); fromNumObj.value ; toNumObj.value ; fromNumObj.focus(); return false; } return true;}function wildcard_Alert () { alert(Wildcard Search Enabled\n ? - Searches for any single character.\n + * - Searches for any characters of any length.);}function scrub_multi_value_field(fieldContents,minWildcardPosition) { var result ; if (fieldContents || fieldContentsundefined) return ; if (minWildcardPosition || minWildcardPositionundefined) minWildcardPosition 0; fieldContents scrub_Text (fieldContents,true); if (fieldContents.indexOf(,) -1) { result parse_Wildcards (fieldContents,minWildcardPosition); } else { var fieldContents_Array fieldContents.split(,); for(var sc_x0;sc_x fieldContents_Array.length; sc_x++) { if (fieldContents_Arraysc_x ) continue; if(fieldContents_Arraysc_x.charAt(0) ) fieldContents_Arraysc_x fieldContents_Arraysc_x.substring(1,fieldContents_Arraysc_x.length); if(fieldContents_Arraysc_x.charAt(fieldContents_Arraysc_x.length - 1) ) fieldContents_Arraysc_x fieldContents_Arraysc_x.substring(0,fieldContents_Arraysc_x.length - 1); result result + parse_Wildcards (fieldContents_Arraysc_x,minWildcardPosition); result result + ,; } // remove commas from the end of the string for(sc_iresult.length-1; sc_i>0; sc_i--) { if(result.charAt(sc_i) ! ,) break; result result.substring(0,sc_i); } } return result;}function scrub_select_mult(elem, maxn) { var valid true; var cnt 0; for (var i0; ielem.options.length; i++) { if (valid) { if (elem.optionsi.selected) { cnt ++; if (cnt > maxn) { valid false; alert(You can select only + maxn + items in the list); elem.optionsi.selected false; } } } else { elem.optionsi.selected false; } } return valid; }function isNum(inString) { if(inString.length!1) return false; var refString1234567890; if (refString.indexOf(inString,0) -1) return false; return true;}function isChar(inString) { if(inString.length!1) return false; var refStringabcdefghijklmnopqrstuvwxyzABCEDFGHIJKLMNOPQRSTUVWXYZ; if (refString.indexOf(inString,0) -1) return false; return true;}function replace_Char (unwantedChar,wantedChar,theStr) { while ((xtheStr.indexOf(unwantedChar)) ! -1) { theStr theStr.substring(0,x) + wantedChar + theStr.substring(x+unwantedChar.length,theStr.length); } return theStr;}function scrub_String_Unwanted(theStr,charsUnwanted) { var result ; var theChar ; var ok true; var i 0; for(i0;itheStr.length;i++) { theChar theStr.charAt(i); if (theChar ) result + ` else if (theChar ) result + ` else if (charsUnwanted.indexOf(theChar) -1) result + theChar; } return result;}function parse_Wildcards (theStr,minWildcardPosition) { theStr scrub_String_Unwanted(theStr,%_); if (minWildcardPosition 0) { if (theStr.indexOf(*) ! -1 || theStr.indexOf(?) ! -1 ) { alert(Wildcards are not allowed in this field.); theStr replace_Char(*,,theStr); theStr replace_Char(?,,theStr); } } else { var tmpStr theStr.substring(0,minWildcardPosition); if (tmpStr.indexOf(*) ! -1 || tmpStr.indexOf(?) ! -1 ) { alert(A wildcard can only be used after character + minWildcardPosition + in this field.); theStr replace_Char(*,,theStr); theStr replace_Char(?,,theStr); } else { var x theStr.indexOf(*); if (x ! -1) { tmpStr theStr.substring(x+1,theStr.length); if (tmpStr.indexOf(*) ! -1 ) { alert(Only one * wildcard is allowed in this field.); theStr replace_Char(*,,theStr); theStr replace_Char(?,,theStr); } } } } return theStr;}function scrub_Text (theStr,makeUpper,minWildcardPosition,allowQuotes) { theStr + ; if (theStr null || theStr ) return ; for(var i0; itheStr.length; i++) { if(theStr.charAt(0) ! ) break; theStr theStr.substring(1,theStr.length); } for(itheStr.length-1; i>0; i--) { if(theStr.charAt(i) ! ) break; theStr theStr.substring(0,i); } var perc ; if (makeUpper) { theStr theStr.toUpperCase(); perc %_; } if (allowQuotes ! true) theStr scrub_String_Unwanted(theStr,perc); if (minWildcardPosition && minWildcardPosition > ) theStr parse_Wildcards (theStr,minWildcardPosition); return theStr;}function numberFilter (s) {filteredValues 1234567890; var i;var returnString ;for (i 0; i s.length; i++) { var c s.charAt(i);if (filteredValues.indexOf(c) ! -1) returnString + c;} return returnString;}function calculate(){ price numberFilter(document.calculator.price.value); leftt price; total_tax 0; toronto_tax 0; if (price > 55000){ tmp_tax 55000 * 0.005; total_tax + tmp_tax; price - 55000; } else { tmp_tax price * 0.005; total_tax + tmp_tax; price 0; } if (price > 195000){ tmp_tax 195000 * 0.01; total_tax + tmp_tax; price - 195000; } else { tmp_tax price * 0.01; total_tax + tmp_tax; price 0; } if (price > 150000){ tmp_tax 150000 * 0.015; total_tax + tmp_tax; price - 150000; } else { tmp_tax price * 0.015; total_tax + tmp_tax; price 0; } if (price > 0){ tmp_tax price * 0.02; total_tax + tmp_tax; price 0; } if (document.calculator.firsttimehomebuyer.checkedtrue){ if (total_tax > 2000) total_tax total_tax - 2000; else total_tax 0; } total_tax Math.round(total_tax); if (document.calculator.torontopurchase.checkedtrue){ if (leftt > 55000){ toronto_tax 275; leftt leftt - 55000; } else { toronto_tax leftt * .005; leftt 0; } if (leftt > 345000){ toronto_tax toronto_tax + 3450; leftt leftt - 345000; } else { toronto_tax toronto_tax + (leftt * .01); leftt 0; } if (document.calculator.firsttimehomebuyer.checkedtrue) toronto_tax 0; if (leftt > 0){ toronto_tax toronto_tax + (leftt * .02); } toronto_tax Math.round(toronto_tax); total_tax total_tax + toronto_tax; } document.calculator.tax.value total_tax;}/script>/head>body>form namecalculateThis methodget> input typehidden nameio_listing_afford value>!-- input typehidden nameio_gds value39> --> table aligncenter cellpadding5 cellspacing0 border0> tr> td alignright>Purchase Price $/td> td>input nameio_price typetext classinput size15 value500,000 onchange addOptionsForDownPercentages();>/td> input nameio_heating typehidden classinput size15 value0> /tr> tr> td alignright>span stylefont-weight:bold>Annual/span> Property Tax $/td> td>input nameio_taxes typetext classinput size15 value3,600> /tr> /tr> td alignright>span stylefont-weight:bold>Monthly/span> Condo Fee/td> td>input nameio_condo typetext classinput size15 value0>/td> /tr> tr> td alignright>Percent Down/td>td> select classinput idmyID namepercent_down1 onChangedoCalc();> option value1 selected>Minimum !-- option value05>5% --> option value10>10% option value15>15% option value20>20% option value25>25% option value30>30% option value35>35% option value40>40% option value45>45% option value50>50% option value55>55% option value60>60% option value65>65% option value70>70% option value75>75% option value80>80% option value85>85% option value90>90% option value95>95% /select> /td> /tr> tr> td alignright>Interest Rate %/td> td>input nameio_actual_interest_rate typetext classinput size15 value4.35>/td> /tr> tr> td alignright>Amortization /td> td>select nameio_amortization onChangedoCalc(); classinput size1 readonly> !-- option value10 >10 Years --> !-- option value15 >15 Years --> !-- option value20 >20 Years --> option value25 selected>25 Years option value30 >30 Years !-- option value35 >35 Years --> !-- option value40 >40 Years --> /select>/td> /tr> tr> td colspan2 stylepadding:12px aligncenter>input stylewidth: 100%; padding: 12px; cursor: pointer; background: #ee6059; color: #ffffff; font-size: 100%; typebutton valueCALCULATE onclickdoCalc(); calculate(); />!--input typebutton classbutton onClickdoCalc(); calculate(); valueCalculate>/td>--> /tr> tr> td alignright>span stylefont-weight:bold;color:yellow>Income Required/span> $/td> td>input size12 typetext classinput nameincome_required1 readonly>/td> /tr> tr> td alignright> Down Payment $/td> td>input size12 typetext classinput namedown_payment1 readonly>/td> /tr> tr> td alignright>Monthly Payment $/td> td>input size12 typetext classinput nametotal_payment_actual readonly>/td> /tr> /table> style typetext/css>#accordion-73-1 .fusion-panel:hover{ border-color: #3e3e3e } #accordion-73-1 .fusion-panel { border-color:#3e3e3e; }.fusion-accordian #accordion-73-1 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian #accordion-73-1 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}.fusion-accordian #accordion-73-1 .panel-title a{font-size:15px;line-height:1.67;letter-spacing:0px;color:#ffffff;font-family:Montserrat;font-weight:700;}.fusion-accordian #accordion-73-1 .toggle-content{font-size:15px;color:#aaa9a9;font-family:Open Sans;font-weight:400;}.fusion-accordian #accordion-73-1 .fa-fusion-box { background-color: #3e3e3e;border-color: #3e3e3e;}.fusion-accordian #accordion-73-1 .panel-title a:not(.active):hover, #accordion-73-1 .fusion-toggle-boxed-mode:hover .panel-title a { color: #ee6059;}.fusion-accordian #accordion-73-1 .panel-title .active .fa-fusion-box,.fusion-accordian #accordion-73-1 .panel-title a:not(.active):hover .fa-fusion-box { background-color: #ee6059!important;border-color: #ee6059!important;}/style>div classaccordian fusion-accordian>div classpanel-group idaccordion-73-1>style typetext/css>.fusion-accordian #accordion-73-1 .panel-ae53d0df0fa130573 .panel-title a{}.fusion-accordian #accordion-73-1 .panel-ae53d0df0fa130573 .toggle-content{}/style>div classfusion-panel panel-default panel-ae53d0df0fa130573 fusion-toggle-no-divider>div classpanel-heading>h4 classpanel-title toggle idtoggle_ae53d0df0fa130573>a aria-expandedfalse aria-controlsae53d0df0fa130573 rolebutton data-togglecollapse data-parent#accordion-73-1 data-target#ae53d0df0fa130573 href#ae53d0df0fa130573>span classfusion-toggle-icon-wrapper aria-hiddentrue>i classfa-fusion-box active-icon awb-icon-minus aria-hiddentrue>/i>i classfa-fusion-box inactive-icon awb-icon-plus aria-hiddentrue>/i>/span>span classfusion-toggle-heading>Expand For Mortgage Details/span>/a>/h4>/div>div idae53d0df0fa130573 classpanel-collapse collapse araia-labelledbytoggle_ae53d0df0fa130573>div classpanel-body toggle-content fusion-clearfix> table aligncenter cellpadding4 cellspacing0 border0> tr> td alignright> Max Debt Payment $/td> td>input size12 typetext classinput namedebt_obligations readonly>/td> /tr> tr> td alignright> Remaining Mortgage $/td> td>input size12 typetext classinput namefirst_mortgage1 readonly>/td> /tr> tr> td alignright> Mortgage Insurance $/td> td>input size12 typetext classinput namecmhc1 readonly>/td> /tr> tr> td alignright> Total Financing $/td> td>input size12 typetext classinput nametotal_financing1 readonly>/td> /tr>!-- tr> td alignright> Mortgage Payment $/td> td>input size12 typetext classinput namemonthly_payment1 readonly>/td> /tr> --> tr> td alignright> Mortgage Payment $/td> td>input size12 typetext classinput nameactual_monthly_mortgage readonly>/td> /tr> tr> td alignright> Prop Tax/Condo Fee $/td> td>input size12 typetext classinput nameexpenses1 readonly>/td> /tr>!-- tr> td alignright> Total Payment $/td> td>input size12 typetext classinput nametotal_payment1 readonly>/td> /tr> --> tr> td alignright>BoC Qualifying Rate %/td> td>input nameio_interest typetext size15 value6.59>/td>/tr> tr> td alignright> GDS/td> td>input size12 typetext classinput nameio_gds value39>/td> /tr>/div>/div>/div>/div>/div>/table>/form>div classfusion-text fusion-text-2>p styletext-align: center;>b stylecolor: #eadf69;>Have Questions?/b> Here is a a hrefhttps://www.youtube.com/watch?vNGSW80UIZo0>3 minute video walk through/a> on how to use this calculatorb>br />/b>/p>p styletext-align: center;>b>Monthly Payment/b> includes Mortgage, Property Taxes and Condo Fees (if applicable)/p>p styletext-align: center;>b>Max Debt Payment/b> is the maximum amount of NON mortgage debt (b>loans and credit card minimums/b>) that can be carried each month. Any debt obligations above this number will begin to reduce your maximum mortgage affordability. b>PRO TIP/b> A $475 monthly car loan can reduce your mortgage affordability by $100,000./p>p styletext-align: center;>A strong>Credit Score/strong> of 680+ was used to determine the required income. It is recommended that your credit score be at least 600. Your credit score can be obtained for free and instantly at a hrefhttps://www.creditkarma.ca/ relnoopener>Credit Karma/a>, a hrefhttps://borrowell.com/ relnoopener>Borrowell/a>, a hrefhttps://www.rbcroyalbank.com/personal.html>RBC/a> + a hrefhttps://www.scotiabank.com/ca/en/personal.html>Scotiabank/a> online banking./p>p styletext-align: center;>b>Credit Requirements/b> – In addition to a credit score of 600+, most mortgage insurers require that you have at least 2 credit items (loan, credit card, line of credit) open for at least 2 years and in good standing. This is generally a requirement for each applicant. There is an exception to this rule for those a hrefhttps://eppdscrmssa01.blob.core.windows.net/cmhcprodcontainer/sf/project/cmhc/pdfs/factsheets/cmhc-newcomers-fact-sheet.pdf relnoopener>New To Canada/a> (permanent + non permanent resident that arrived within the last 5 years)./p>p styletext-align: center;>strong>30 Year Amortizations/strong> are available for down payments of 20% or more. A longer amortization helps lower the income required./p>p styletext-align: center;>Mortgages above b>$1,000,000/b> require 20% down./p>p styletext-align: center;>b>Mortgage Insurance/b> (a hrefhttps://www.cmhc-schl.gc.ca/en/finance-and-investing/mortgage-loan-insurance/mortgage-loan-insurance-homeownership-programs/mortgage-loan-insurance-quick-reference-guide>CMHC/a>, a hrefhttp://homeownership.ca/products/>Genworth/a>, a hrefhttps://www.canadaguaranty.ca/products-at-a-glance/>Canada Guaranty/a>) is required in Canada for mortgages with less than 20% down payment./p>p styletext-align: center;>strong>Qualifying Rate/strong> – Borrowers must qualify using the a hrefhttps://www.bankofcanada.ca/rates/interest-rates/canadian-interest-rates/?rangeTypedates&rangeValue1&rangeWeeklyValue1&rangeMonthlyValue1&ByDate_frequencydaily&lPlookup_canadian_interest.php&seLOOKUPS_V121764>Bank of Canada (BoC) qualifying rate/a> or the lenders mortgage rate plus 2%, whichever is higher./p>p styletext-align: center;>The Gross Debt Service ratio (strong>GDS/strong>) is set to 39% by default for credit scores 680 and higher. b>If your credit score is between 600-680/b>, set the GDS to b>35/b> for a more accurate income calculation. Lenders like TD Bank set GDS to 35% with a minimum credit score of 650 and GDS to 39% for scores 680+./p>/div>div classfusion-clearfix>/div>/div>/div>div classfusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last stylemargin-top:0px;margin-bottom:20px;>div classfusion-column-wrapper fusion-flex-column-wrapper-legacy stylebackground-position:left top;background-blend-mode: overlay;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;>script>function calculate(){ price numberFilter(document.calculator.price.value); leftt price; total_tax 0; toronto_tax 0; if (price > 55000){ tmp_tax 55000 * 0.005; total_tax + tmp_tax; price - 55000; } else { tmp_tax price * 0.005; total_tax + tmp_tax; price 0; } if (price > 195000){ tmp_tax 195000 * 0.01; total_tax + tmp_tax; price - 195000; } else { tmp_tax price * 0.01; total_tax + tmp_tax; price 0; } if (price > 150000){ tmp_tax 150000 * 0.015; total_tax + tmp_tax; price - 150000; } else { tmp_tax price * 0.015; total_tax + tmp_tax; price 0; } if (price > 0){ tmp_tax price * 0.02; total_tax + tmp_tax; price 0; } if (document.calculator.firsttimehomebuyer.checkedtrue){ if (total_tax > 4000) total_tax total_tax - 4000; else total_tax 0; } total_tax Math.round(total_tax); if (document.calculator.torontopurchase.checkedtrue){ if (leftt > 55000){ toronto_tax 275; leftt leftt - 55000; } else { toronto_tax leftt * .005; leftt 0; } if (leftt > 345000){ toronto_tax toronto_tax + 3450; leftt leftt - 345000; } else { toronto_tax toronto_tax + (leftt * .01); leftt 0; } if (document.calculator.firsttimehomebuyer.checkedtrue) toronto_tax 0; if (leftt > 0){ toronto_tax toronto_tax + (leftt * .02); } toronto_tax Math.round(toronto_tax); total_tax total_tax + toronto_tax; } document.calculator.tax.value total_tax;}/script>style typetext/css>#accordion-73-2 .fusion-panel:hover{ border-color: #3e3e3e } #accordion-73-2 .fusion-panel { border-color:#3e3e3e; }.fusion-accordian #accordion-73-2 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian #accordion-73-2 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}.fusion-accordian #accordion-73-2 .panel-title a{font-size:15px;line-height:1.67;letter-spacing:0px;color:#ffffff;font-family:Montserrat;font-weight:700;}.fusion-accordian #accordion-73-2 .toggle-content{font-size:15px;color:#aaa9a9;font-family:Open Sans;font-weight:400;}.fusion-accordian #accordion-73-2 .fa-fusion-box { background-color: #3e3e3e;border-color: #3e3e3e;}.fusion-accordian #accordion-73-2 .panel-title a:not(.active):hover, #accordion-73-2 .fusion-toggle-boxed-mode:hover .panel-title a { color: #ee6059;}.fusion-accordian #accordion-73-2 .panel-title .active .fa-fusion-box,.fusion-accordian #accordion-73-2 .panel-title a:not(.active):hover .fa-fusion-box { background-color: #ee6059!important;border-color: #ee6059!important;}/style>div classaccordian fusion-accordian>div classpanel-group idaccordion-73-2>style typetext/css>.fusion-accordian #accordion-73-2 .panel-9f62e5f3aaa95b152 .panel-title a{}.fusion-accordian #accordion-73-2 .panel-9f62e5f3aaa95b152 .toggle-content{}/style>div classfusion-panel panel-default panel-9f62e5f3aaa95b152 fusion-toggle-no-divider>div classpanel-heading>h4 classpanel-title toggle idtoggle_9f62e5f3aaa95b152>a aria-expandedfalse aria-controls9f62e5f3aaa95b152 rolebutton data-togglecollapse data-parent#accordion-73-2 data-target#9f62e5f3aaa95b152 href#9f62e5f3aaa95b152>span classfusion-toggle-icon-wrapper aria-hiddentrue>i classfa-fusion-box active-icon awb-icon-minus aria-hiddentrue>/i>i classfa-fusion-box inactive-icon awb-icon-plus aria-hiddentrue>/i>/span>span classfusion-toggle-heading>Land Transfer Tax Calculator/span>/a>/h4>/div>div id9f62e5f3aaa95b152 classpanel-collapse collapse araia-labelledbytoggle_9f62e5f3aaa95b152>div classpanel-body toggle-content fusion-clearfix> form namecalculator> table aligncenter cellpadding5 cellspacing0 border0> tr > td alignright classAHbuySellBody>Purchase Price $/td> td>input typetext size15 classinput value stylebackground-color: #3E3E3E nameprice>/td> /tr> tr> td alignright classAHbuySellBody>Land Transfer Tax $/td> td classAHbuySellBody>input typetext size15 classinput value nametax readonly>/td> /tr> tr>td colspan2 aligncenter>input typecheckbox classinput value1 namefirsttimehomebuyer onChangecalculate();> - First Time Home Buyer/td>/tr> tr>td colspan2 aligncenter>input typecheckbox classinput value1 nametorontopurchase onChangecalculate();> - Property Located in Toronto/td>/tr> tr>td colspan2 stylepadding:12px aligncenter>input stylewidth: 100%; padding: 12px; cursor: pointer; background: #ee6059; color: #ffffff; font-size: 100%; typebutton valueCALCULATE onClickcalculate(); />/td>/tr> /table> /form>/td>/table>/div>/div>/div>/div>/div>style typetext/css>#accordion-73-3 .fusion-panel:hover{ border-color: #3e3e3e } #accordion-73-3 .fusion-panel { border-color:#3e3e3e; }.fusion-accordian #accordion-73-3 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian #accordion-73-3 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}.fusion-accordian #accordion-73-3 .panel-title a{font-size:15px;line-height:1.67;letter-spacing:0px;color:#ffffff;font-family:Montserrat;font-weight:700;}.fusion-accordian #accordion-73-3 .toggle-content{font-size:15px;color:#aaa9a9;font-family:Open Sans;font-weight:400;}.fusion-accordian #accordion-73-3 .fa-fusion-box { background-color: #3e3e3e;border-color: #3e3e3e;}.fusion-accordian #accordion-73-3 .panel-title a:not(.active):hover, #accordion-73-3 .fusion-toggle-boxed-mode:hover .panel-title a { color: #ee6059;}.fusion-accordian #accordion-73-3 .panel-title .active .fa-fusion-box,.fusion-accordian #accordion-73-3 .panel-title a:not(.active):hover .fa-fusion-box { background-color: #ee6059!important;border-color: #ee6059!important;}/style>div classaccordian fusion-accordian>div classpanel-group idaccordion-73-3>style typetext/css>.fusion-accordian #accordion-73-3 .panel-dd09aab32fb3531f1 .panel-title a{}.fusion-accordian #accordion-73-3 .panel-dd09aab32fb3531f1 .toggle-content{}/style>div classfusion-panel panel-default panel-dd09aab32fb3531f1 fusion-toggle-no-divider>div classpanel-heading>h4 classpanel-title toggle idtoggle_dd09aab32fb3531f1>a aria-expandedfalse aria-controlsdd09aab32fb3531f1 rolebutton data-togglecollapse data-parent#accordion-73-3 data-target#dd09aab32fb3531f1 href#dd09aab32fb3531f1>span classfusion-toggle-icon-wrapper aria-hiddentrue>i classfa-fusion-box active-icon awb-icon-minus aria-hiddentrue>/i>i classfa-fusion-box inactive-icon awb-icon-plus aria-hiddentrue>/i>/span>span classfusion-toggle-heading>First Time Buyer Incentive Calculator/span>/a>/h4>/div>div iddd09aab32fb3531f1 classpanel-collapse collapse araia-labelledbytoggle_dd09aab32fb3531f1>div classpanel-body toggle-content fusion-clearfix>iframe width100% height1080 srchttps://www.placetocallhome.ca/fthbi/eligibility-savings-calculator frameborder0>/iframe>/div>/div>/div>/div>/div>style typetext/css>#accordion-73-4 .fusion-panel:hover{ border-color: #3e3e3e } #accordion-73-4 .fusion-panel { border-color:#3e3e3e; }.fusion-accordian #accordion-73-4 .panel-title a .fa-fusion-box{ color: #ffffff;}.fusion-accordian #accordion-73-4 .panel-title a .fa-fusion-box:before{ font-size: 13px; width: 13px;}.fusion-accordian #accordion-73-4 .panel-title a{font-size:15px;line-height:1.67;letter-spacing:0px;color:#ffffff;font-family:Montserrat;font-weight:700;}.fusion-accordian #accordion-73-4 .toggle-content{font-size:15px;color:#aaa9a9;font-family:Open Sans;font-weight:400;}.fusion-accordian #accordion-73-4 .fa-fusion-box { background-color: #3e3e3e;border-color: #3e3e3e;}.fusion-accordian #accordion-73-4 .panel-title a:not(.active):hover, #accordion-73-4 .fusion-toggle-boxed-mode:hover .panel-title a { color: #ee6059;}.fusion-accordian #accordion-73-4 .panel-title .active .fa-fusion-box,.fusion-accordian #accordion-73-4 .panel-title a:not(.active):hover .fa-fusion-box { background-color: #ee6059!important;border-color: #ee6059!important;}/style>div classaccordian fusion-accordian>div classpanel-group idaccordion-73-4>style typetext/css>.fusion-accordian #accordion-73-4 .panel-cb6838a888c819cee .panel-title a{}.fusion-accordian #accordion-73-4 .panel-cb6838a888c819cee .toggle-content{}/style>div classfusion-panel panel-default panel-cb6838a888c819cee fusion-toggle-no-divider>div classpanel-heading>h4 classpanel-title toggle idtoggle_cb6838a888c819cee>a aria-expandedfalse aria-controlscb6838a888c819cee rolebutton data-togglecollapse data-parent#accordion-73-4 data-target#cb6838a888c819cee href#cb6838a888c819cee>span classfusion-toggle-icon-wrapper aria-hiddentrue>i classfa-fusion-box active-icon awb-icon-minus aria-hiddentrue>/i>i classfa-fusion-box inactive-icon awb-icon-plus aria-hiddentrue>/i>/span>span classfusion-toggle-heading>Other Mortgage Calculators/span>/a>/h4>/div>div idcb6838a888c819cee classpanel-collapse collapse araia-labelledbytoggle_cb6838a888c819cee>div classpanel-body toggle-content fusion-clearfix>p styletext-align: center;>a hrefhttps://www.whatcaniafford.ca/mortgage-calculator.html>Mortgage Calculator (Old)/a>/p>p styletext-align: center;>a hrefhttps://www.whatcaniafford.ca/ontario-amortization-schedule.htm>Amortization Schedule Creator/a>/p>p styletext-align: center;>a hrefhttps://www.whatcaniafford.ca/Prepayment-Analyzer.html>Prepayment Calculator/a>/p>/div>/div>/div>/div>/div>div classfusion-clearfix>/div>/div>/div>/div>/div>div classfusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling stylebackground-color: #242424;background-position: center center;background-repeat: 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classvideo-container>iframe width560 height315 srchttps://www.youtube.com/embed/NGSW80UIZo0?rel0&showinfo0 frameborder0 allowaccelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture allowfullscreen>/iframe>/div>div classfusion-clearfix>/div>/div>/div>/div>/div>div classfusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling stylebackground-color: #1e2123;background-position: left top;background-repeat: no-repeat;padding-top:50px;padding-right:30px;padding-bottom:50px;padding-left:30px;margin-bottom: 0px;margin-top: 0px;border-width: 0px 0px 0px 0px;border-color:#3e3e3e;border-style:solid; >div classfusion-builder-row fusion-row>div classfusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last stylemargin-top:0px;margin-bottom:20px;>div classfusion-column-wrapper fusion-flex-column-wrapper-legacy stylebackground-position:left top;background-blend-mode: overlay;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;>div classfusion-person person fusion-person-left fusion-person-1 fusion-person-icon-bottom>div classperson-shortcode-image-wrapper>div classperson-image-container hover-type-none styleborder:0px solid #494848;-webkit-border-radius:0px;-moz-border-radius:0px;border-radius:0px;>img fetchpriorityhigh decodingasync classperson-img img-responsive wp-image-1404 width868 height868 srchttp://whatcaniafford.ca/wp-content/uploads/2023/04/C0A0680-Edit-v3-shrunk.jpg altLawrence Kobescak srcsethttps://whatcaniafford.ca/wp-content/uploads/2023/04/C0A0680-Edit-v3-shrunk-200x200.jpg 200w, https://whatcaniafford.ca/wp-content/uploads/2023/04/C0A0680-Edit-v3-shrunk-400x400.jpg 400w, https://whatcaniafford.ca/wp-content/uploads/2023/04/C0A0680-Edit-v3-shrunk-600x600.jpg 600w, https://whatcaniafford.ca/wp-content/uploads/2023/04/C0A0680-Edit-v3-shrunk-800x800.jpg 800w, https://whatcaniafford.ca/wp-content/uploads/2023/04/C0A0680-Edit-v3-shrunk.jpg 868w sizes(max-width: 800px) 100vw, 868px />/div>/div>div classperson-desc stylebackground-color:#25292b;padding:40px;margin-top:0;>div classperson-author>div classperson-author-wrapper>span classperson-name>Lawrence Kobescak/span>span classperson-title>Sales Representative/span>/div>/div>div classperson-content fusion-clearfix>p>Call or Text a hreftel:905-621-2518>905-621-2518/a>/p>p>Add my a href/wp-content/uploads/Lawrence Kobescak.vcf>VCF card/a> to your contacts/p>/div>div classfusion-social-networks boxed-icons>div classfusion-social-networks-wrapper>a classfusion-social-network-icon fusion-tooltip fusion-facebook awb-icon-facebook aria-labelfusion-facebook hrefhttps://www.facebook.com/whatcanIafford/ target_blank relnoopener noreferrer 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