31 ALBION WAY, Niagara-on-the-lake, ON L0S 1J0
31 ALBION WAY , Niagara-on-the-lake, ON L0S 1J0
$ 1,849,500
Bed Rooms
1
Bath Rooms
3
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Year Built
--
Days of On-Site Use
--
Property Type
Townhouse
Price per Sqft
--
Car Garage
2.0
Property Details
Key Details
Sub Type
Condo Townhouse
Listing Status
Pending
Purchase Type
For Sale
Approx. Sqft
1400-1599
Subdivision
101 - Town
MLS Listing ID
X9767557
Style
Bungalow
Bedrooms
1
Annual Tax Amount
$6,799
Tax Year
2024
Property Sub-Type
Condo Townhouse
Location
Province
ON
County
Niagara
Area
Niagara
Zoning
R1
Rooms
Basement
Partially Finished, Full
Kitchen
1
Separate Den/Office
1
Interior
Interior Features
Countertop Range, Separate Heating Controls, Upgraded Insulation, Bar Fridge, Water Heater, Sump Pump
Cooling
Central Air
Inclusions
Built-in Microwave, Dishwasher, Dryer, Gas Oven Range, Garage Door Opener, Microwave, RangeHood, Refrigerator, Washer
Exterior
Exterior Feature
Canopy, Hot Tub, Lighting, Lawn Sprinkler System, Lighting, Porch, Privacy, Private Entrance
Parking Features
Private Double
Pool
None
Amenities Available
Visitor Parking
Roof Type
Asphalt Rolled
Lot Frontage
40.75
Lot Depth
88.22
Exposure
North
Total Parking Spaces
4
Balcony
Terrace
Building
Building Age
0-5
Foundation
Concrete
Locker
None
New Construction
true
Others
Senior Community
Yes
Monthly Total Fees
$150
Pets Allowed
Restricted
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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31 ALBION WAY

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Navjot Singh

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