45 RISTAU CRES, Kitchener, ON N2E 3A8
45 RISTAU CRES , Kitchener, ON N2E 3A8
$ 629,000
Bed Rooms
3
Bath Rooms
3
SqFt
1,700
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Year Built
--
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$370
Car Garage
--
Property Details
Key Details
Sub Type
Detached
Listing Status
Pending
Purchase Type
For Sale
Square Footage
1,700 sqft
MLS Listing ID
X9415365
Style
2-Storey
Bedrooms
3
Annual Tax Amount
$3,500
Tax Year
2024
Property Sub-Type
Detached
Location
Province
ON
County
Waterloo
Area
Waterloo
Zoning
R1
Rooms
Basement
Finished, Full
Kitchen
1
Separate Den/Office
1
Interior
Interior Features
Water Heater
Cooling
Central Air
Inclusions
Dishwasher, Dryer, RangeHood, Refrigerator, Stove, Washer
Laundry
Ensuite
Exterior
Parking Features
Private Double, Other
Pool
None
Roof Type
Asphalt Shingle
Lot Frontage
30.0
Exposure
South
Total Parking Spaces
4
Building
Building Age
31-50
Foundation
Poured Concrete
New Construction
false
Others
Senior Community
No
ParcelsYN
No
Listed by ROYAL LEPAGE NRC REALTY
Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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45 RISTAU CRES

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Navjot Singh
Navjot Singh

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